Alternative Personal Loan
We help our clients find quick finance – whether you have good credit, or bad credit, we can help.
Alternative Personal Loans for U.S. clients with a credit score of 610+.
- Alternative Personal loans up to $100,000
- No paperwork, no hidden fees
- Interest Rates from 8.99% - 29.49%
How it Works
| Prequalify | Choose Your Loan Terms | Receive Your Funds |
| Find the rate that you qualify for in 60 seconds with no commitment. | Choose from 2-7 year terms and finish your application online. | Sign your documents and funds will be wired to your account—as quickly as the same day. |
| Low Rates | No Fees Required | Same Day Funding |
| Low fixed rates that won't change over time, protecting you from rising interest rates. | That means no origination fees required, no prepayment penalty fees and no late fees whatsoever. | Your funds could be available as quickly as the same day your loan is approved. |
FAQ
| What can I use a personal loan for? | Many people apply for a low-interest personal loan to consolidate high-interest credit card debt. These loans can also be used to fund major life purchases or expenses, like home improvements, weddings, unexpected medical expenses, moving expenses, or funerals. |
| What is a personal loan? | A personal loan is a loan offered by many banks, credit unions, or online personal loan lenders and typically range from $5K-$100K. While many loans specify how the money should be spent, personal loans allow for more flexibility and can be used to cover big expenses or consolidate high-interest debt with a more favorable rate. |
| Should I take out a personal loan to pay off my credit cards? | Personal loans can be used for a variety of purposes, but are commonly used to consolidate high-interest credit card debt. When using a personal loan to pay off credit card debt, the loan funding is used to pay off the cards’ outstanding balances. Ideally, the new debt consolidation loans will have a lower interest rate, making payments more manageable or saving the person money from accrued interest. |
| How can I calculate my expected monthly payments for a personal loan? | The monthly payment for a personal loan is determined by a variety of factors, including your interest rate, loan amount, loan term, and more. Our Personal Loan Calculator can help you figure out your monthly payments and decide whether applying for a personal loan is the right move for you. |
| Do personal loans require down payments? | No, unsecured personal loans do not require a down payment, unlike a secured home loan. |
| What credit score is needed for a personal loan? | Applying for personal loans online or at your financial institution will require meeting your lender’s criteria. Since most personal loans are unsecured (meaning they don’t require collateral) this criteria assures the lender that you can repay the loan. Lenders will typically evaluate your credit score, income, and debt-to-income ratio, among other factors. Lower credit scores could affect your eligibility, terms or rate for a Personal Loan. |
| Are personal loans fixed interest rate or variable interest rate loans? | Personal Loans are fixed rate loans. If you like the consistency of knowing exactly what your monthly payments will be over time, you might prefer a fixed rate loan. Also, if you plan to pay your loan back over a longer period of time, say 10 or 20 years, you might prefer to eliminate the risk of interest rate changes over time by selecting a fixed rate loan. |
| Is the personal loan secured or unsecured? | Personal Loans are unsecured loans. This means that you do not need to provide collateral for the loan. |
| How much money can I get a personal loan for? | The answer depends on a wide range of factors, which mainly includes the type of lender and your credit score. A Personal Loan allows applicants to borrow between $5,000 and $100,000. |
| Will applying for a personal loan affect my credit? | To check the rates and terms you qualify for, our lenders conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more credit bureaus, which is considered a hard credit pull. |