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Top Personal Loan Services

Are you in need of a personal loan for anything from debt consolidation to home improvement? Browse our expert reviews and compare the best personal loan services offering top rates and fast approval.

Updated for December 2017
Services
Score
Loan Amount
Loan Terms
9.8

Up to $100,000

  • Min. Credit Score: 660
  • APR: 4.99% - 14.95%
  • Term: 3, 5, or 7 Years
9.7

Up to $35,000

  • Min. Credit Score: 600
  • APR: 5.99% - 35.99%
  • Term: Varies
9.5

Up to $40,000

  • Min. Credit Score: 660
  • APR: 5.93% - 35.89%
  • Term: 36 or 60 Months
9.3

Up to $40,000

  • Min. Credit Score: 599
  • APR: 4.93% - 35.99%
  • Term: 24 - 84 Months
9.2

Up to $20,000

  • Min. Credit Score: 599
  • APR: 15.49%-34.99%
  • Term: 24 - 48 Months
9.0

Up to $35,000

  • Min. Credit Score: 640
  • APR: 5.99% - 35.99%
  • Term: 3 or 5 years
8.8

Up to $10,000

  • Min. Credit Score: 0
  • APR: 5.99% - 35.99%
  • Term: 3 - 60 Months
8.3

Up to $5,000

  • Min. Credit Score: 0
  • APR: 5.99% - 35.99%
  • Term: 3 - 60 Months
8.1

Up to $35,000

  • Min. Credit Score: 0
  • APR: 5.99%-35.99%
  • Term: 2 - 72 Months
7.1

Up to $100,000

  • Min. Credit Score: 580
  • APR: 4.83% - 35.99%
  • Term: 24 - 84 Months
Try our side-by-side comparison feature »

Most Commonly Asked Questions about Personal Loans

If you’re in need of some fast cash or extra money to help make ends meet, personal loan services provide quick and easy ways to receive a loan right away. Before accepting a loan, it’s important to understand how a loan works and different loan features offered by services. To help you get started, we’ve answered some of the most commonly asked questions about personal loan services below.

1How do personal loans services work?

Many of the top personal loan services function as a middleman between the loan applicant and lenders. As an applicant, you can fill out your basic information on the loan service website. Then the loan service will connect you with personal, installment, or short-term lenders. Lenders will make an offer as to how much money they can loan and the repayment conditions.

2 What kind of information do I need to provide to apply for a loan?

Applying for a loan online doesn’t require that much time usually. In fact, many of the applications for the top personal loan services only take a couple of minutes to finish. Usually, loan requests include basic questions like name, address, or contact information. It is normal for these forms to include questions concerning your financial history, credit score, income, and other related information. Also, they may ask about whether or not you are currently serving in the military.

3 What is APR?

The APR (annual percentage rate) refers to the annualized interest rate charged for your personal loan. Typical APRs range from about 5% up to 30%. The APR of the loan depends on the applicant’s financial history, assets, income, credit history, and other factors.

4 How much time do I have to repay the loan?

Your repayment agreement depends on the terms negotiated between you and the lender. Repayment periods can be as low as 6 months or less or for up to 5 years or more. When negotiating your loan, make sure to agree upon repayment terms that suit your current budget.

Representative Example: Borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63. Total repayment will be $2203.56.

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