best place for personal loans

best place for personal loans

Best Unsecured Personal Loans for 2018

A personal loan can get you the money you need in short order if you qualify. Personal loans are a popular tool for consolidating and eliminating high interest credit card debt. Just like credit cards, these personal loans don’t require collateral — they are unsecured. But unlike most credit cards, most personal loans offer fixed interest rates and payments, making them much easier to work into a budget. You’ll also probably be able to borrow a greater chunk of change than you could cover with a credit card, possibly at a lower rate.

Use our loan comparison tool to view multiple loan options from $500 to $35,000+ with no obligation.

Simply enter you zip code, estimated credit rating, monthly income, and the loan amount you need to instantly view loan companies available to accept your application online right now.

The Simple Dollar’s Best Personal Loan Picks

If you want to get started on your search right now, here are a few lenders that stood out as I looked for the best personal loans:

The personal loan space is growing with a number of online lenders challenging credit-card companies and traditional banks. In 2018, the trend toward a streamlined lending process, better interest rates and more transparent lending criteria will continue.

In fact, some brick-and-mortar banks are only recently returning to this kind of lending after the subprime mortgage crisis. So if you’re in the market for an unsecured personal loan, you’ll have plenty of options, especially if you have good credit.

As you read on, I’ll discuss unsecured personal loans in greater detail, why they’re difficult to obtain with bad credit, and strategies you can use while shopping to make sure you find a loan that’s right for you.

When and When Not to Use a Personal Loan

Before you get an unsecured personal loan, there may be other options to explore first depending on your situation and goals. Personal loans are great if you do not want to pledge anything as collateral, or you don’t have any collateral to pledge. However, unsecured loans probably won’t get you the best rate. For instance, a home equity loan will net you much better terms because it’s less risky for the lender. Also, some lenders have tailored loans for people with bad credit, which may or may not require collateral.

It’s not a wise idea to use a personal loan for a discretionary purchase because of potentially high interest rates. However, personal loans have their place. For instance, you may be a small business owner who needs to cover your quarterly taxes until a major supplier pays their invoice. Or perhaps you want to consolidate high-interest debt and can better manage a single payment.

The companies below are among the biggest names in personal lending, targeting borrowers who have solid credit (and better). They’re worth considering for anyone who needs an unsecured personal loan. However, if your credit is top-notch — or not so hot — make sure you keep reading for some lenders that target excellent- and average-credit borrowers.

One of the biggest peer-to-peer lenders, Lending Club makes loans up to $40,000. Though very similar to other peer-to-peer lenders in many ways, it is a bit more lenient with credit scores, requiring a minimum of 600, but a bit stricter with other criteria such as debt-to-income data. APRs range from 5.99% to 35.89%* APR. Best APR is available to borrowers with excellent credit.

LendingClub does business in 49 states (right now, you’re out of luck in Iowa). LendingClub also charges a loan origination fee from 1% to 6% and charges a $7 processing fee for each monthly payment made by check. Terms are three or five years.

Why it’s a solid bet: LendingClub is a major player and pioneer in the peer-to-peer lending business. Their strengths include competitive interest rates, wide availability, and transparency. If you’re thinking of seeing what kind of rate you can obtain, applying for a loan through LendingClub generates a “soft inquiry” that won’t impact your credit score.

If you have good credit and would rather keep your business with a long-established bank, Wells Fargo could be a good option. With advertised APRs of 6.74% to 19.74% ($10,000 three-year loan, including 0.25% relationship discount) and loans from $3,000 to $100,000, this brick-and-mortar lender could be worth a look for any borrower with solid credit.

Repayment terms can range from 12 to 60 months and there are no prepayment or origination fees. The main downside here is convenience: You can’t apply online unless you’re an existing Wells Fargo customer, so you’ll need to be near one of their branches. Wells Fargo also doesn’t fare as well as many competitors in customer service ratings, and they aren’t as transparent about lending criteria as many online competitors.

Why it’s a solid bet: When it comes to a loan, some people prefer doing business face to face. If you’re among them, Wells Fargo offers competitive rates, the comfort of a big name, and the convenience of a huge branch network — there are more than 6,000 locations nationwide. Wells Fargo also offers a couple of other options that aren’t as common with online lenders: a more flexible personal line of credit as well as a loan that you can secure with a savings account or CD in order to get a lower rate.

Prosper is slightly more liberal with its lending criteria than major competitors. It requires a minimum credit score of 640, but Prosper will look at several other factors to give you a shot at a better interest rate. Loan terms are three years and five years. You can borrow from $2,000 to $35,000 at APRs ranging from 5.99% to 35.99% for first-time borrowers.

Interest rates and fees are easy to find and evaluate, and Prosper can make loans in 46 states (loans aren’t available in Iowa, Maine, North Dakota, and West Virginia). You could be waiting seven business days for your loan to be funded, however.

Why it’s a solid bet: Along with Lending Club, Prosper is one of the biggest names in peer-to-peer lending, which should inspire confidence in anyone who is leery of dipping a toe into online lending. It is impressively transparent, widely available, and a bit looser with lending criteria such as debt-to-income ratio and the number of recent credit inquiries on your credit report.

Best Personal Loans for Excellent Credit

If you have great credit, good news: You may qualify for personal loans with impressively low interest rates. However, keep in mind that lenders who offer these low rates will also want to see other markers of financial health, such as steady employment and a low debt-to-income ratio.

LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers, currently 2.49% – 17.49% (rates as of January 2018), for non-home and auto-related personal loans. Another pro: There are no fees for loan origination, prepayment, or anything else..

The main downside here is the high threshold you’ll have to meet to qualify. Your credit score will have to be good and you can potentially have your money in as little as a day, but you’ll also need to prove “stable and sufficient” income and assets as well as a solid savings history, among other requirements.

Why it’s a solid bet: LightStream’s flexible terms and high borrowing limits make it a good choice for prospective borrowers who need a hefty amount and a longer time to pay it back. Loans of $5,000 to $100,000 are available, and terms can be anywhere from 24 to 84 months. If you need money fast, LightStream is also speedier than peer-to-peer competitors — you can have your money in as little as a day.

* Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years could result in 36 monthly payments of $304.17. Rates as of 1/2/2018.

SoFi may be best known for student loan refinancing, but it also offers extremely competitive personal loans from $5,000 to a whopping $100,000. There are fixed rate options ranging from 5.49% – 14.24% APR (with AutoPay) and variable 4.98% – 11.44% APR (with AutoPay). You also won’t pay any fees for loan origination or anything else.

Choose from three-, five-, or seven-year repayment terms. You’ll need to meet a high threshold to qualify, with a favorable debt-to-income ratio, dependable employment, and a high credit score. SoFi holds consumer lending licenses in 22 states and Washington, D.C.

Why it’s a solid bet: If you’re a rate hawk, SoFi features some of the lowest rates I saw, and its variable-rate option offers a chance for even more savings if you’re willing to accept the risk that rates will rise. (Interest rates on variable rate loans are capped at 14.95%.) SoFi also sets itself apart with its hefty loan amounts of up to $100,000 and a unique unemployment protection program that allows you to suspend loan payments.

Disclaimer: Fixed rates from 5.49% APR to 14.24% APR (with AutoPay). Variable rates from 5.29% APR to 11.44% APR (with AutoPay). SoFi rate ranges are current as of December 1, 2017 and are subject to change without notice. Not all rates and amounts available in all states. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.29% APR assumes current 1-month LIBOR rate of 1.34% plus 4.20% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

Earnest, a relatively recent startup, bills itself as “low-cost loans for the financially responsible.” Indeed, this online lender offers fixed rates starting at 5.25% APR on loans up to $50,000. It also looks beyond your credit score to evaluate other criteria including education, career, and savings.

On the downside, Earnest only offers one-, two-, and three-year loans, but the company will work with you to match repayment terms to your budget. Loans are available in 45 states and Washington, D.C.

Why it’s a solid bet: Earnest could be a great option for younger borrowers who may not have a long credit history. Keep in mind that whatever history you do have will need to be mostly blemish-free, and you’ll also have to show that you have a healthy savings account and income that can easily support living expenses and a loan.

Best Unsecured Loans for Average Credit

It can be hard to find a personal loan with a reasonable interest rate if your credit isn’t top-notch. The lenders below will still consider you if you have less-than-sterling credit, with rates that are much better and practices that are much more reputable than payday lenders and the like.

PersonalLoans.com offers several types of loans from traditional bank personal loans, peer-to-peer loans, and installment loans. This service is available in all 50 states and loan amounts go up to $35,000 with APRs ranging from from 5.99% to 35.99%.

Keep in mind, PersonalLoans.com is only a referral site and not a direct lender. This makes it hard to know in advance of any critical information that might be easier to understand with a direct lender such as which fees will be attached to your loan or which APR rates will be offered.

Why it’s a solid bet: PersonalLoans.com is a great option for borrowers looking for a quick turnaround on their loan. Just a three-step application process and you can have loan approval in minutes. Not only is it a well designed and informative website, but, since PersonalLoans.com is a referral resource, they can find you multiple offers with competitive interest rates, which is a huge timesaver when shopping around.

While most peer-to-peer lenders focus on borrowers with good or excellent credit, Peerform is an option for borrowers with credit scores as low as 600. Its APRs are competitive (5.99% to 29.99%), and its fees are clearly disclosed.

However, this lender is only available in 42 states, and you may need to wait up to two weeks to get your money as investors decide whether to fund your loan. Peerform also charges several fees, including up to 5% for loan origination, a Late Payment Fee and a Check Processing Fee.

Why it’s a solid bet: Peerform’s rates are among the best you’ll find with average credit, and the website is impressively transparent about exactly what you’ll need to qualify for a loan. Peerform also lends up to $25,000, a generous amount for average-credit borrowers. Just be aware that you won’t be able to choose a repayment term with Peerform — all loans require a three-year term.

Through Avant, you could borrow from $2,000 to $35,000* with rates ranging from 9.95% to 35.99%, depending on your credit history, income, and other factors. There’s also an administration fee of 4.75%**. Avant is available in 46 states and the District of Columbia.

Why it’s a solid bet: Loans of as much as $35,000 are hard to come by if your credit isn’t top-notch, and while the APRs aren’t the lowest around, they’re still fair for an unsecured loan at that level. Since Avant isn’t a peer-to-peer lender, you can have your money more quickly since you don’t have to wait around for investors to fund your loan.

* The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Minimum loan amounts vary by state.

**Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33.

Avant branded credit products are issued by WebBank, member FDIC.

Where Is the Best Place to Get a Personal Loan?

First, if you possess decent credit and a bank account, you may wish to apply at your local bank or other financial institution, such as a credit union. Banks have standard underwriting guidelines, which include proof of income, employment history and residency. This type of loan is suitable for someone who can document his income.

There are several other companies that issue personal loans. You will need to be prepared to submit personal identification documents, such as a driver's license and Social Security card as well as proof of income.

Lenders With Flexible Requirements

American General Financial Services offers unsecured and secured loans with no application fee. You may use a personal loan for debt consolidation, home improvements, vacations, emergency expenses or other expenses. If you have a free and clear title of your automobile, this is a good source for a personal loan. The lending institution will usually loan on the value of your vehicle. Additionally, you may apply online and a representative will contact you by phone. Typically, you will need to show proof of income and several references. The interest rates are comparable with other lenders offering personal loans. Additionally, this is not a sufficient choice for a loan provider if you have no credit established or do not maintain any positive credit accounts.

First Bank of Delaware is a company that can also assist you in obtaining a personal loan. No paperwork or faxing is required, and you can apply online for a quick decision. If you are approved, you can receive your funds in as little as the next business day. Be prepared to submit your bank account information and at least two references.

Capital One offers personal loans; however, they are offered by invitation only. Additionally, you cannot have applied for a Capital One personal loan within the past 90 days and cannot be currently delinquent or have defaulted on any Capital One account in the past year. If you meet these criteria and you have received an offer through the mail, Capital One does offer flexible payment terms, a fixed rate guarantee in which you pay the same amount from month to month, no prepayment penalty and automatic payment options. If approved, you will receive your personal loan check, usually within 10 days.

CitiFinancial assists borrowers who have established good credit. Rates are based on credit history and your ability to repay the loan. You may receive a lower rate if you own a home. Additionally, CitiFinancial offers the ability to check the status of your loan application online.

Lendingtree.com is a source for matching borrowers to lenders. It has a variety of lenders that compete for your business. At its website you may apply for a personal loan among other types of loans, such as mortgage loans and auto loans. You will submit an application online with your personal information, and then you are matched to lenders. The lenders will then contact you by phone or email. There does seem to be a limited amount of lenders who can assist with personal loans. Additionally, Lendingtree will initially check your credit and any other lenders would run your credit report as well, if necessary.

Keep in mind that applying with several lenders will lower your credit score. Each time you apply with a lender, it will pull your credit, which results in an inquiry, which results in lowering your credit score.

When applying online, be sure to check whether the lender is properly licensed in your state. You may do this by checking with the financial division in your state. You may also access this information by visiting the Better Business Bureau online. By using the search business tool on the BBB site, you may access any licensing that the business or lender has, or is required to have. You may also check to see whether any complaints have been filed as well.

Best Place to Get a Personal Loan

Personal loans are exclusive options for people, who are in need of money for certain everyday expenses.

The tool is beneficial for people, who need some cash to cover medical bills, home improvement expenses, tuition fees and similar uses.

Additionally, personal loans serve a great solution for debt consolidation and getting lower interest rates.

Moreover, personal loans are frequently used to increase or build a dependable credit history and establish a high credit score.

However, to benefit from all these advantages, one should know the best place to get a personal loan, suiting his/her needs and providing moderate requirements.

Make Sure Personal Loan Will Help You

Before applying for a personal loan with any of the financial companies, it is important to make sure this is the exact option you need to get out of debt fast and successfully.

Mind that some loans have the same or even higher rates than the credit you have, thus, the experience is not always advantageous.

Generally, personal loans serve a great issue, when you want to consolidate your credit card balance and lower the interest rate of each single month. Avoid high-interest loans, especially car title loans and payday loans.

However, once you need a short-term personal loan, you should opt for the one with the most competitive rates, as well as convenient terms and conditions.

Once you have decided to take a personal loan, you should consider multiple lenders primarily to the final decision. Your own financial company is the best alternative to start with (in case your account is in a proper standing).

The institution is already equipped with the necessary financial records and information required for qualification. What is more, you may already be pre-qualified for certain personal loans, since your banks are always aware of your financial problems and difficulties.

Additionally, you can select a few extra lenders to compare interest rates and other conditions. Non-profit financial unions usually offer lower APRs and favorable qualification requirements.

Additionally, online lenders can serve an ultimate variant, as they offer a fast application process and quick approval.

Additionally, such lenders are approved to be more creative and flexible, as for loan conditions, terms and rates. Even if your credit score is not perfect, you still have an opportunity to get competitive APR and preferable terms.

Criteria of Beneficial Personal Loan

Before you choose a lender and the loan type, you should consider definite points to make the right decision and opt for the best.

Here are the features of the leading unsecured personal loans:

  • Low interest rates;
  • High loan limits;
  • No fees and extra payments;
  • Flexibility of terms and conditions;
  • Availability of the loan to people from different countries;
  • Simple qualification requirements;
  • Perfect reputation of the lender;
  • Transparency and dependability.

Top 5 Loan Providers for Various Borrowers

Surely, lenders and financial companies offering personal loans differ greatly and are aimed at various customers, though, here is the list of the most appreciated and reliable lenders

Advantageous for all types of borrowers:

Suit the customer with perfect credit history:

Are beneficial for people with an average credit score:

Browse the website of each lender, learn the difference in terms, rates and conditions and opt for the best place to get a personal loan suiting your needs and purposes.

Best Place to Get a Loan | Finding the Best Personal Loan Companies in 2017

Introduction: Best Place to Get a Loan and the Top Online Loan Companies

It is the end of the month, and because your car broke down (again) and needed a couple hundred dollars’ worth of repairs, you’re short on rent.

Your landlord has warned you that if you’re late on rent again, you’ll be out the door – and you have neither the time to start searching for another place to live nor the money for an expensive security payment.

Online loan companies offering advance cash loans may be your only option to get you through a tight financial spot, and you may be wondering, “Where is the best place to get a personal loan?”

While many online loan companies have gained a notorious reputation as loan sharks charging exorbitant interest rates, there are reputable places to find decent, advance loans.

The best place to get a loan should help you get through your tight financial situation within killing you in interest or miring you in long-term, inescapable debt.

In this brief article, AdvisoryHQ will look at why it is important to research the best place for a personal loan. We will explain the concept of advance loans or advance cash and then go over who benefits from these personal loans. Finally, we will review a few of the best places for a personal loan.

What Are Advance Loans and Advance Cash?

According to the Consumer Financial Protection Bureau of the U.S. government, “A payday loan is a short-term loan, generally for $500 or less, that is typically due on your next payday.”

These advance loans are generally given for small amounts, meaning you won’t be able to finance the purchase of a home or a car with a personal loan. They are usually due to be paid back on your next payday, and you may have to give access to your checking account to the lender.

Most advance cash loans have a finance charge of anywhere between $15 and $30 per every one hundred dollars borrowed. This charge usually is not expressed in a typical annual percentage rate (APR) because the loans are often paid off in a couple weeks’ time and also because the interest rate would appear unfavorable.

While you can get a mortgage for as low as 3% APR and a credit card for around 15% APR, on the other hand, a two-week payday loan offered by an online loan company that is charging $30 for every $100 borrowed would come out to 800% APR.

The best place to get a loan may offer you more favorable loan terms and a lower interest rate. If you have a decent credit score and a strong relationship with a bank or credit union, you may even be able to secure an advance loan for several thousand dollars and negotiate a longer term on the loan as well.

Why Should You Do Research on the Best Place for a Personal Loan?

There are thousands of lenders out there all promising to be the best place for personal loans. Unfortunately, not all of these online loan companies offer fair interest rates and terms and conditions on the loans they offer.

Abnormally high interest rates are only one way that some online loan companies make money off unsuspecting borrowers. There are a whole host of other fees and charges that are often tacked on to your original loan.

The best places for personal loans should never charge any sort of prepayment penalties. If you are able to pay off your loan before the term, you should be rewarded for that extra effort – not penalized.

Furthermore, the best place to get personal loans should also never charge any sort of upfront “paperwork9rdquo; fee or origination fee. Lenders should plan to make the majority of their money from the interest they charge on the loan; not on hefty upfront fees. For example, if you’ve taken out a $200 loan but have to pay a $20 origination fee up front, then that lender is most likely not the best place for a personal loan.

Also, if you are looking for the best place to get a loan, stay away from lending agencies that try to oblige you to purchase additional insurance on that loan.

Many of the supposed best places for personal loans will try to sell you on the need to protect your family from the loan debt through extra insurance fees. Since most advance loans are short term, the chances of anything happening are minimal, and this is typically a trick used by lending agencies to make a few extra dollars.

Who Benefits from Getting a Personal Loan?

Let’s say you are two hundred dollars short on rent on this month. If you don’t pay on time, your property manager charges a hefty late fee of $150 whereas a personal loan might only charge you $30 to $40 for a $200 loan to be paid back in 2–3 weeks’ time.

Though the interest rate charged by the personal loan is still high, it is much less expensive than being charged the late fee on your rent. As long as you can make a little bit more money next month to break that cycle of debt, a personal loan may help you save hundreds of dollars.

Furthermore, since many banks have increasingly strict standards regarding who can receive a loan, if your credit score isn’t the best but you urgently need a loan for some emergency expense, then the best place to get a loan may very well be through online loan companies with less rigid rules regarding credit standing.

Where Is the Best Place to Get a Personal Loan?

Best Place to Get a Personal Loan: Lending Club

If you have a halfway decent credit score, Lending Club may very well be the best place to get a loan for you. This best place to get a personal loan is actually an online peer-to-peer lending platform, meaning that, instead of a bank, it is an individual who will be offering you a loan.

The minimum credit score required by this best place to get a loan is only 600, which is considerably lower than what most banks or credit unions charge. Furthermore, you can apply for a loan for up to $40,000 – much more than you could ever obtain from a payday loan.

The only downside to this best place to get a personal loan is that it charges an origination fee for loans that ranges from 1% to 6%. Though the 6% is on the high side, if you are applicable for a decent APR, that fee may cancel itself out over time through lower interest payments.

Best Place to Get a Personal Loan: Wells Fargo

If you prefer a big name bank for your loan, Wells Fargo is one of the best places to get a loan, especially if you have already chosen Wells Fargo for your other banking needs. It offers personal loans for anywhere between $3,000 and $100,000 and an annual percentage rate as low as 6.25% for borrowers with good credit standing.

What makes this one of the best places to get a personal loan, however, is that you can negotiate a loan term anywhere between 12 and 60 months, and Wells Fargo charges no prepayment fees. If you want a low monthly payment, you can choose the 60-month option on your loan and not be charged any fees if you are able to pay off your loan early.

Furthermore, this best place to get a loan also has no origination fees on the personal loans that it offers, making the interest payments the only thing you’ll be paying for over the course of your loan. If you don’t already bank with Wells Fargo, however, you won’t be able to apply online and will have to find a brick-and-mortar branch in order to begin the application process.

Social Finance, or SoFi, is best known for the student loan refinancing options that it offers, but it also has a quality personal loan program. What makes SoFi one of the best places to get a personal loan is its low APR. If you set up an auto-pay option and have a decent credit score, you might be able to get a fixed interest rate as low as 5.95%

Furthermore, Social Finance also has no origination or prepayment fees. With this best place to get a loan, you can apply online and also find live customer support.

Furthermore, if you lose your job or find yourself in some other sort of financial nightmare, SoFi will work with you to temporarily suspend your payment plan while you find a new job or source of income.

Another reason that makes SoFi one of the best places to get a personal loan is its flexible loan amounts. You can apply for a loan up to $100,000, which is one of the highest loan amounts offered by online loan companies not connected with big name banks.

Earnest is one of the best places to get a personal loan, even though it isn’t very well known. It offers a fixed rate starting at only 5.95%, on loans up to $50,000.

Furthermore, this best place to get a loan also will work with people who don’t have the best credit score and will take into account other factors, such as employment history, savings and other assets, and your education.

Conclusion: The Best Place for Personal Loans Can Help You Weather Any Financial Storm

The best place to get a loan will most likely help you save hundreds of dollars as well as improve your financial situation quickly.

Reasonable efforts have been made to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be our affiliates. Click to view our advertiser disclosures.

Personal Loans Comparison – Choose Smart, Live Better

Compare Personal Loans – No More Expensive Mistakes!

Choose in haste, and repent at leisure – most of us know too well how much the wrong personal loans for bad credit can cost. Comparing personal loan rates can be a chore and few people realize the importance of making the right choice, until things go wrong and they realize they have to repay a ridiculous amount in hidden fees and sky-high interest rates. It’s an expensive lesson in why you should always compare lenders before borrowing money, especially if you’ve already got the kind of credit background that means you don’t have that many choices to begin with.

So, how can you make loan comparison less of a chore? Obviously not by just running a search for personal loan companies! Good luck sorting through the inevitable hundreds of pages of search results. For many people that frustration and impatience is a big contributing factor to making a bad choice when they’re figuring out how to get a personal installment loan. They are pushed for time and dazzled somewhat by lofty promises of “best personal loans HERE!” and other marketing hyperbole. Comparing loan rates is something that can be pretty confusing, especially for new borrowers and even for seasoned veterans navigating the murky waters of debt. It’s definitely something you should get comfortable with, because even a fraction of a percentage APR point can make hundreds of dollars (maybe more!) worth of difference to the final cost of your borrowing. That new car doesn’t seem like such a great deal now, does it?

We’ve made it easier for you with this site, by reviewing lenders with the best personal loan rates so that you can borrow a great loan that provides the cash you need, with comfortable repayment terms while you learn the basics of comparing personal loans. You can apply with any one of our lenders with confidence, and know that you aren’t about to make another expensive mistake. As you get to know more about the best personal loan rates and learn to compare loans the smart way you’ll gain invaluable skills that will help you enjoy life without sacrificing your credit score.

The best personal loans are the ones that work for you. Our lenders understand the different even just a fraction of a percentage lowering of the interest rate can make – especially to long term installment payments – that’s why they go one step further and undercut industry-standard APRs by whole percentage points. This is the hand up that every poor credit borrower so desperately needs – it gives them back hundreds of dollars a month in most cases.

This is why it’s vital you understand how to find the best personal loan rates possible, as applicable to your financing needs, ability to meet repayments and credit history. We’ll help you do just that. If you are curious what’s in it for us, the answer is that we get to be a part of a fairer system of lending – we get to give back. We get to see our friends and relatives live a more comfortable life.

With personal loans, compare everything – not just the amount you qualify for, but also the repayment schedule and the terms. You’ll soon see it’s pretty straightforward to find a good deal. Don’t forget to apply this same discernment towards other sites and other lenders you may visit – a sloppy approach often goes hand in hand with a sloppy product. We have spent countless hours researching loans and writing our reviews because we care about “the little guy”- we want to help people make better choices. Simply put, we believe in an economy built on successes-not failures; an economy that includes everyone and promotes financial fairness.

If all that hasn’t got you convinced, try this: the single best motivator to comparing personal installment loans is the big savings you’ll make each paycheck.

TrustedInstallmentLoans have the best loans for your largest expenses – pay tuition, home repairs, medical bills with ease. Borrow a generous $1,000-$10,000 with 5year terms that spread the cost into easy monthly installments. Loans for all customers, for any purpose – you can even enjoy a luxury vacation of a lifetime.

Get a short term personal loan with BlueTrustLoans and deal with all your cash emergencies effortlessly – a quick no-refusal application and one click is all it takes to access $100-$1,250 today with the lowest applicable costs.

PersonalLoans give you back control, with lender comparison and customer’s choice that means you only pay back what you can comfortably afford. Loans from $100-$35,000 and flexible repayment terms put cash freedom in your hands.

CashAdvance work like magic so that you can compare loans before you borrow – and get a great deal on all their loans, whatever your credit score. A magic wish for all your fast cash emergencies!

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