personal.loans

personal.loans

личная ссуда: банковская ссуда (обычно без обеспечения), выдаваемая на личные потребности типа оплаты отпуска или образования детей, покупки автомобиля; основная сумма и проценты выплачиваются равными взносами в течение оговоренного срока; выдается на основе анализа кредитоспособности клиента по ставкам существенно выше рыночных межбанковских ставок.

Англо-русский экономический словарь .

Смотреть что такое "personal loan" в других словарях:

personal loan — ➔ loan1 * * * personal loan UK US noun [C] ► FINANCE money that you borrow from a bank or other financial organization for your personal, rather than business, use: »She is wondering whether to consolidate her debts by taking out a personal loan … Financial and business terms

personal loan — loan given to an individual for personal use … English contemporary dictionary

personal loan — noun a loan that establishes consumer credit that is granted for personal use; usually unsecured and based on the borrower s integrity and ability to pay • Syn: ↑consumer loan • Hypernyms: ↑loan • Hyponyms: ↑automobile loan, ↑auto loan, ↑car loan … Useful english dictionary

personal loan — / pɜ:s(ə)nəl ləυn/ noun a loan to a person for household or other personal use, not for business use … Dictionary of banking and finance

personal loan — A loan to a private person by a bank or building society for domestic purposes, buying a car, etc. There is usually no security required and consequently a high rate of interest is charged. Repayment is usually by monthly instalments over a fixed … Big dictionary of business and management

personal loan — /pɜsənəl ˈloʊn/ (say persuhnuhl lohn) noun a loan from a financial institution to an individual, for a purpose other than the purchase of property … Australian English dictionary

Loan protection insurance — Loan protection insurance, or loan payment protection insurance, is a form of payment protection insurance. This type of insurance can help you protect your monthly loan payments if you become unemployed or suffer an accident or sickness.Loan… … Wikipedia

personal — UK US /ˈpɜːsənəl/ adjective ► belonging to a single or particular person rather than to a group or an organization: »The rising levels of personal debt are already a considerable problem for the economy. »There is always some personal risk… … Financial and business terms

loan — money lent at interest.A lender makes a loan with the idea that it will be paid back as agreed and that interest will be paid for the use of the money. Glossary of Business Terms Temporary borrowing of a sum of money. If you borrow $1 million you … Financial and business terms

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."

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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.

We don't just lend money.

Personal loans up to $35,000

Personal loans are unsecured loans used to consolidate debt or pay for life's big events. With a fixed rate and fixed term, personal loans could help you save hundreds—or even thousands—of dollars by eliminating higher-interest debt. A Discover personal loan, which has no origination fees, may be an ideal solution for people with good credit and a strong financial history.

Why get a personal loan from Discover

No loan origination fees. No fees of any kind as long as you pay on time.

6.99% to 24.99% APR

Lock in your rate. Your monthly payment will never change.

loan terms around you

Use our personal loan calculator to design your loan around the loan amount and length.

  • Pay off higher rate loans and credit cards. You can save hundreds - or even thousands - of dollars.

    You can start the process anytime. Select a loan amount and term and find out your personal loan interest rate.

    Once you get your interest rate, apply for the loan either online or over the phone. You could receive a decision in minutes.

    If your application is approved, your funds can be sent as early as next business day after acceptance.

    See how Discover's loan benefits compare 1

    • Comparison conducted by an independent research firm and based on data compiled in December 2017 from company websites, customer service agents, and consumer credit offers.
    • Origination fee estimates are based on average loan amount and average origination fee % listed in company filings (10-Q) for quarter ended September 30, 2017.

    We’ve helped more than 1 million people reach their goals

    Personal loan tools and resources

    From helpful articles to loan payment calculators, we're here to help you understand your options.

  • Learn more about personal loans

    Give us a call and speak with a dedicated, U.S-based loan specialist.

    • Monday-Friday, 8am-11pm ET
    • Saturday-Sunday, 9am-6pm ET

    What can I use a personal loan for?

    A common use for a personal loan is to consolidate debt. But there are many uses for a personal loan. For example, you could use a personal loan for financing a trip to Europe, a dream wedding or home appliances. Besides funding a major purchase, a personal loan could help you manage major expenses, such as medical bills or moving costs.

    How can I get approved for a personal loan?

    Whether or not you'll be approved for a personal loan is determined by many factors. Some of these include basic information on the application and data compiled from credit bureaus.

    In general, keep an eye on your financial situation and review your credit report regularly. If you maintain good financial standing by doing things like paying bills on time, you could improve your chances for approval.

    What kind of personal loan interest rate can I get?

    Interest rates are determined by many factors such as your credit history, application information, and the term you select. While your personal loan interest rate is important, you should consider the overall cost of the loan. For example, origination fees and closing costs reduce the amount of the loan proceeds you receive. At Discover, we offer competitive, fixed rates and no fees as long as you pay on time. Ultimately the interest rate you get could help you consolidate debt as well as save on overall interest.

    If I use a personal loan to consolidate debt, do all the funds have to go directly to creditors?

    You could use the funds to pay your creditors directly or receive the funds via direct deposit or check. You could also decide to pay your creditors directly and receive a portion of the funds as well.

    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!

    Your custom rate quote is 2 minutes away!

    Checking your offers will not impact your credit score*

    *Performing an offer inquiry will not impact your credit score and will allow you to see offers containing potential terms and rates; however, upon electronically signing our Loan Agreement (by clicking "Accept and Apply Now"), we will report a hard inquiry to at least one Credit Reporting Agency. Please refer to the terms of our Credit Report Authorization for additional information.

    • Checking your offers will not impact your credit score*
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    Please note that all loan proceeds MUST be delivered electronically; however, you are not required to authorize monthly electronic funds transfer payments as a condition of your loan. You will have the option to opt-out of electronic funds transfer payments prior to the closing of your loan, but additional fees may apply and you run the risk of late payment fees if manual payments are not made on time.

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    Checking the box below constitutes your electronic signature which authorizes us to verify your bank account.

    Please note that all loan proceeds MUST be delivered electronically; however, you are not required to authorize monthly electronic funds transfer payments as a condition of your loan. You will have the option to opt-out of electronic funds transfer payments prior to the closing of your loan, but additional fees may apply and you run the risk of late payment fees if manual payments are not made on time.

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    Equal Housing Lender

    Street Address : 26642 Towne Centre Drive, Foothill Ranch, CA 92610. Toll Free (800) 656-2606

    Unsecured Personal Loans are issued by Cross River Bank; an FDIC insured New Jersey-chartered commercial bank located in Teaneck, New Jersey, Equal Housing Lender. Individuals must be a U.S. citizen or permanent resident and at least 18 years old to apply for credit from Cross River Bank. Valid bank account and Social Security Number/FEIN are required. All loan applications are subject to credit review and approval. All loans may be subject to an origination fee of 1% to 5% of the loan amount. Origination fees are deducted from loan proceeds. Offered loan terms depend upon credit score, requested amount, requested loan term, and credit usage and history.

    Loans are not available to residents of West Virginia.

    Residents of Alabama or Nebraska must be 19 years old to apply for credit.

    All loans to Massachusetts residents must be greater than or equal to $6,001.

    All loans to Ohio residents must be greater than or equal to $5,001.

    All loans to Connecticut residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval.

    All loans to New Hampshire residents less than or equal to $10,000 must qualify for an annual percentage rate (APR) of 10% or less to be considered for approval.

    All loans to New York residents must qualify for an annual percentage rate (APR) of less than 16% to be considered for approval.

    All loans to Vermont residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval.

    *Performing an offer inquiry will not impact your credit score and will allow you to see offers containing potential terms and rates; however, upon electronically signing our Loan Agreement (by clicking "Accept and Apply Now"), we will report a hard inquiry to at least one Credit Reporting Agency. Please refer to the terms of our Credit Report Authorization for additional information.

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