personal loans.com reviews

personal loans.com reviews

Unsecured Personal Loan Programs for All Credit Types!

Need extra cash for unexpected bills? Car repairs? Buy a motorcycle? Home improvements? Family emergency? Let us help you! EZ-Personal-Loans.com, powered by a network of over 30 lenders, specializes in providing consumers with the quickest and most convenient experience for obtaining GOOD and BAD CREDIT personal loans online.

The application is simple, and your privacy is 100% guaranteed protected! Getting approved for unsecured personal loans is as easy as filling in the blanks! You can apply 24 hours a day, 7 days a week! Why wait? Get the cash you need & deserve today! Apply for as little as $100 to as much as $15,000!

We work with a national network of lenders. This allows us to match our applicants with loan programs that offer competitive rates and terms, even for those with bad credit.

WE HELP HUNDREDS OF CUSTOMERS EVERY WEEK

GET APPROVED FOR GOOD AND BAD CREDIT PERSONAL LOANS!

Experience the FAST, no hassle online service provided by EZ-Personal-Loans.com! Don't deny yourself! We will turn your financial dreams into a reality! We can get you the unsecured loans you need even if you have have the worst credit, poor credit or no credit! You can achieve approval for bad credit loans if you have recently experienced bankruptcy, divorce, liens, judgments, foreclosure and/or repossession!

Your bad credit, or lack of credit, should not prevent you from getting approved for personal loans! DON'T DELAY!

Submit an application for personal loans today!

© 2014 All Rights Reserved EZ-Personal-Loans.com

The operator of this website is not a lender. The form on this website is not a credit application. This service is not available in all states. Available loan amount vary from to lender to lender. There is no guarantee that by completing this form a loan will be provided. The owner of this form is NOT A LENDER and does not charge consumers any fees. Your request may be verified with independent verification companies.

Personal Loans Make Life Easier

Whether you have good credit or bad credit, personal loans are a great way to get some extra cash for anything that you need. That is one of the great things about personal loans. You can use them for anything. Traditional loan products are always used for a very specific things like cars, boats, or homes. With a personal loan you can do so much more!

Here are the most typical ways to use personal financial loans:

One of the most common reasons people choose a personal loan is to consolidate all of their debt into one easy to remember payment. Not only does it make things easier at the end of the month, but you can also save quite a bit of money on higher interest credit cards. Pay them all off with a personal loan and enjoy some financial freedom.

Making changes to your home is a great way to invest your money, but most home improvements are not financially possible. That is where a personal loan comes in handy. You can use these type of loans to make some great home improvements. Remodel your kitchen, remodel your bathroom, or put a pool in the backyard. These are just a few great things you can do with a personal loan.

Unpaid medical expenses can ruin your credit. A personal loan will allow you to pay off any unexpected medical expenses before they can ruin your credit. Don’t let this happen to you. It is hard to deal with unexpected medical issues. Having a personal loan will put your mind at ease during difficult times.

Banks will usually only allow you to secure auto loans for new cars. You can save quite a bit of money by purchasing a used vehicle from a private seller. If you had a personal loan, you would be able to pay with cash. Cash will always give you even more bargaining power.

Everyone needs a break every once in a while, and that includes you. A lot of people will pay for their vacation using high interest credit cards. They will then spend the rest of the year paying off their debt. With that kind of a loan, you could pay for your entire vacation in advance with cash and never have to worry about making those high interest payments.

These are just a few great reasons that so many people are choosing personal loans to fund whatever their heart desires.

Get a Personal Loan with The Best Interest Rate!

Not all personal loans are the same. Some will require higher interest rates than others. Some will require collateral, and others will not. Our unique system will find you the best personal loan with the best rate. All you need to do is fill out one safe and secure application, and we will match you with the best personal loans online on the market today. The whole process is fast, simple, and secure. It is the best way to find a loan with the best rates.

Offers and Save!

Take Advantage of What Personal Loans ® Can Offer You

During these uncertain economic times, many people are finding themselves faced with a situation where they could use some financial assistance. Whether it be for an emergency, home improvement, consolidating debt or even a family vacation – a low interest personal loan is a safe and reliable way to meet your financial needs. At PersonalLoans.com, we specialize in quickly and efficiently connecting people to a personal loan that may work for them.

Compared to other loan options, personal loans offer greater flexibility with how much a person can borrow. Utilizing our comprehensive network of lenders and lending partners we can offer wide ranges of funding, and give you the opportunity to be qualified for as much as $35,000.

Broadly defined, a personal loan is a type of installment loan, which means that it is repaid over time with a set number of scheduled payments. It is also a form of loan that can be utilized for practically any purpose whatsoever. This can be beneficial in any scenario where additional funds are required.

We do not charge any fee or cost to submit a loan request on PersonalLoans.com. The APR on a personal loan from our network of lenders and lending partners varies, with many providers offering rates from 5.99% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner and accept their loan agreement.

Representative Example: If you borrow $4,000 on a 2 year repayment term, the monthly repayment will be $182.74. Total repayment will be $4,385.74.

There are three types of personal loans available through our network: peer-to-peer loans, personal installment loans and bank personal loans. You can learn more about these products by viewing the How It Works page on our site.

Simple and Secure Online Loans

We understand that searching for a loan can often be a daunting and confusing task, especially given the wide array of options that are available. We had this in mind when we created PersonalLoans.com. Every aspect of our service has been designed and optimized with the customer in mind. We strive to offer you the most innovative and user friendly experience possible.

Given that each individual lender or lending partner is looking for a particular type of customer, many people end up getting turned down multiple times for any number of reasons – which can sometimes be as simple as living in the wrong state. What makes PersonalLoans.com unique is that we have assembled one of the largest networks of personal loan lenders and lending partners available anywhere.

When you submit a loan request on PersonalLoans.com, our proprietary technology evaluates your request and searches for potential lenders or lending partners.

With our simple three-step request process, it has never been easier to find out if you qualify for the help you need, and enjoy financial security. If you have any questions, our in-house customer support team is standing by and ready to help.

To begin the process of getting your personal loan, please visit our Get Started page.

The annual percentage rate (APR) is the annualized interest rate that you are charged on your personal loan. PersonalLoans.com is not a lending operation and doesn't provide loans, but it does refer consumers to reputable professional lenders or lending partners who can provide quick and convenient loan assistance. We don't charge fees for this service. PersonalLoans.com does not have the ability tell you the exact APR that your lender or lending partner will charge. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender or lending partner supplies to you as well.

Your lender or lending partner will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a personal loan. We recommend that you closely view the terms of any loan offer you get. If you should require help with any PersonalLoans.com–related services, you can contact us at your convenience.

Example of a Personal Loan APR Range

PersonalLoans.com is only partnered with professional lenders or lending partners who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any personal loan offer. We recommend that you closely view the terms of any loan offer you get. To get more details on these considerations you can view the Lending Policy and Rates & Fees sections of our website.

Financial Implications (Interest and Finance Charges)

If you get approved for a personal loan, the lender or lending partner will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. As mentioned earlier, PersonalLoans.com is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender or lending partner gives you.

Accepting the terms and conditions for a personal loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. PersonalLoans.com does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition, we have no control or knowledge of the loan details between you and your lender or lending partner.

Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of PersonalLoans.com is to partner only with reputable, trustworthy lenders and lending partners who pursue collections of past-due loan accounts always in a fair and reasonable manner.

Potential Impact to Credit Score

It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment may negatively impact their credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time may negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, most loans are subject to credit approval. PersonalLoans.com may do a "soft pull" of your credit information, which will not impact your credit score. Further, the lender or lending partner that you are connected with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

As previously stated, PersonalLoans.com is not a lending operation, and we do not get involved in the process of debt collection. As part of the loan documents your lender or lending partner will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you explore that issue with the lender or lending partner. At PersonalLoans.com we are proud of our policy of only working with lenders or lending partners who pursue delinquent accounts using Fair Debt Collection Practices.

Prior to accepting a particular personal loan offer, you will be presented with various loan renewal options by your lender or lending partner. Carefully look through the loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine loan renewal policies to a significant extent.

Personal loans should not be used as a long-term financial solution. At PersonalLoans.com, we always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a personal loan after borrowing it, PersonalLoans.com advises you to closely examine different loan alternatives before you take the step of requesting for loan assistance through us.

APR – Representative Range Explanation

Examples from some of our lenders

"If you receive a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of approximately $152.18 at a 6.78% APR."

"In the case of a $15,000 60-month loan at an interest rate of 7.90% with a 3.00% origination fee of $450.00, you will receive a loan amount of $14,550.00 and will make 60 monthly payments of approximately $303.43 at a 9.20% APR."

© 2018 PersonalLoans.com All Rights Reserved.

Customer Notice: A personal loan is an online installment loan with loans sizes between $1,000 and $35,000. A personal loan can be a great option for those customers looking to borrow money for a wedding, home improvement, or family vacation. The online process is designed with customer convenience in mind.

Legal Disclaimer: PersonalLoans.com’s Terms of Use and the PersonalLoans.com Privacy Policy apply to the use of this website and its services. PersonalLoans.com connects borrowers with lenders or lending partners and thus the specific terms and conditions of the specific lender or lending partner will apply to any loan a borrower takes out. We are compensated by these lenders or lending partners for connecting you with them, and the compensation received may affect which offer you are presented with. Any display of APR, loan amounts, interest or other loan details are estimations only, and actual amounts will vary by lender or lending partner and by borrower. Please note that some lenders or lending partners may perform credit checks as part of their credit transaction approval process. The lender or lending partner you connect with may not offer the best possible terms and borrowers should always compare all available options before making any decisions. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative or broker of any lender or lending partner and does not endorse or charge you for any service or product.

Availability: Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.

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Our in-depth reviews provide a detailed understanding of top online personal loan companies. All of the information needed to choose the right personal loan provider can be found in the reviews below.

LendingTree was created with the specific goal of simplifying the loan research process. Founded in 1996, the company has quickly become one of the leading online lending marketplaces. LendingTree gives customers the ability to compare.

SoFi offers a fresh and innovative approach to lending that differentiates its services from traditional brick and mortar lenders. The company was founded by four graduate students at the Stanford Graduate School of Business in 2011. The.

LendingClub is a leading name in the loan marketplace industry. A peer-to-peer lender, LendingClub offers borrowers a wide range of loan options, therefore increasing the chances of getting approved for a loan. LendingClub also makes.

Founded in California in 2006, Prosper holds the title of the first peer-to-peer lending marketplace in America. The company offers both borrowing services and investment opportunities for customers looking to finance loans for others while.

Founded in 2005, GuideToLenders is dedicated to helping customers find the best possible financing solution. The company believes in providing education and information to consumers, empowering them to make the best possible decision for.

Marcus is a new personal loan solution from one of the nation’s oldest banking institutions—Goldman Sachs. This recently-launched branch of the venerable investment bank is currently testing their new approach to personal.

​Offering an algorithm-based marketplace for lenders and borrowers, Even Financial is the premier place for borrowers of all kinds to find their lender match. Even Financial works with the best-known brands in the alternative lending.

LendingPoint was established in 2014 to provide flexible, short-term funding to borrowers with fair credit scores and a responsible financial history. LendingPoint aims to gives borrowers the opportunity to rewrite their credit history and.

Through their lending network, PersonalLoans.com claims to provide fast, hassle-free financial assistance using personal installment and other types of loans.

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  • Website:
  • www.personalloans.com

If you need cash quickly, PersonalLoans.com claims to be an easy and convenient way to find a lender that best matches your specific needs. In fact, with a 3-step application process and the ability to obtain approval in minutes, PersonalLoans.com claims to “have assembled the single largest network of responsible personal loan lenders available anywhere.”

But should you take out personal loans like this in the first place, and if so, does PersonalLoans.com represent the best choice? Let’s withdraw the facts and see what they have to say.

PersonalLoans.com Features & Details

Utilizing a network of lenders, PersonalLoans.com claims to provide access to fast, hassle-free loans ranging between $1K and $35K, depending on your credit score. According to the company’s websites, the money your obtain from one of their lenders can be used for whatever you need, including emergencies, home renovations, debt consolidation, and more.

To accomplish this, PersonalLoans.com offers three different types of loans:

  • Peer-to-peer – Instead of borrowing from a bank, you’ll be borrowing money from an investor. This loan type allows you to borrow anywhere from $4K to $35K, although you may be assessed an origination fee of anywhere between 1% and 5%.
  • Personal installment – Here, you can take out a loan of anywhere between $1K to $20K and deal directly with a bank, although the overall terms will be highly regulated by the state in which you live.
  • Bank personal loans – This type of loan is typically taken out through a local bank, although the application can usually be processed online. You may be awarded with amounts ranging between $1K and $35K, but you’ll need to earn at least $3K per month in order to qualify.

In order to obtain a loan from one of PersonalLoan.com’s lender, you’ll need to go through a three-step application process:

First, you’ll need to fill out PersonalLoan.com’s short online loan request, which includes entering your personal information, requested loan amount, reason for requesting a loan, income, employment history, and more. Keep in mind that in order to apply for a loan through PersonalLoan.com, you’ll need to be at least 18 years, have a regular source of income and an active bank account, as well as relatively good credit score.

Next, you’ll be matched with the lender that can best meet your needs. Once this occurs, you’ll be redirected to the lender’s website to learn about your loan’s details, as well as to provide any additional information they require.

Finally, once the process is complete, your money will be sent via ACH within 1-5 business days.

Using PersonalLoan.com’s service is completely free, without hidden charges or fees.

However, your interest rate can vary greatly depending on a wide variety of factors such as your credit score, requested loan amount, the state in which you reside, and more. Your repayment terms will also vary, but will typically occur once every 2-4 weeks over the course of 6-72 months, which will be automatically withdrawn from your bank account.

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