Our Favorite Personal Loan Options for 2024
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FinSpot Favorite
Up to $15,000 as soon as tomorrow! PERSONAL LOANS MADE SIMPLE AND FAST.
- Est. APR: Depends on lender selected
- Loan Amount: $100-15,000
- Min. Credit Score?: Yes. Depends on lender selected.
Get Rate
on ZippyLoans website
Get up to $50,000 with a low, fixed rate loan
- Est. APR: 8.49%-35.99%
- Loan Amount: $1,000-50,000
- Min. Credit Score?: Yes. Depends on term and value of loan.
Get Rate
on Upgrades website
Personal Loans with low fixed rates
- Est. APR: 5.2%-35.99%
- Loan Amount: $1,000-50,000
- Min. Credit Score?: Yes. Depends on term and value of loan.
Get Rate
on Upstart's website
Get funding fast, directly to your account
- Est. APR: Depends on lender selected
- Loan Amount: $250-35,000
- Min. Credit Score: Yes. Depends on lender selected.
Get Rate
on Personal Loan's website
Auto Title Loans
Auto Title Loans Starting at $2,500
- Instant Phone Approvals
- No Hidden Fees, Payoff Anytime
- Get Cash, Keep Your Car
Get Rate
on LoanMarts website
Choosing the Right Personal Loan for You
Whether you're behind on bills, have an unexpected expense, medical bill, or simply want to take a vacation - Zippyloan provides fast access to the funds you need to accomplish your financial goals without delay. Once you're connected with a lender in their network, funds are typically deposited as soon as the next business day, provided the request is received before 5pm CST. It's important to always do your own research before you decide on the right personal loan for you. Scroll down to find our step-by-step guide to selecting the right lender!
Our Top Recommended Personal Loan Providers
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Up to $15,000 as soon as tomorrow
- Next Day Loans for All Credit Types
- Request a Loan Online in Minutes
- Connect with Lenders in Real Time
Zippyloan manages an expansive network of lenders to provide our users with premium access to personal loans.
Request up to $15,000 through one simple online form, 24 hours a day, 7 days a week.
Our lenders offer both installment and short-term loans, connecting you with the loan that works for you.
Whether you are behind on bills, have an unexpected expense or simply want to take a vacation - Zippyloan provides fast access to the funds you need so you can accomplish your financial goals without delay. Once you are connected with a lender in our network, funds are typically deposited as soon as the next business day provided the request is received before 5pm CST.
Zippyloan's network of lenders offers a full range of loans for people with excellent credit as well as bad credit. If you are 18 years or older and have a regular source of income, you can use our online form. Several of the lenders in Zippyloan's network report on-time payment to credit agencies, which can ultimately improve your credit score.
Why we chose Zippyloan: It's extremely easy to get started simply and securely with Zippyloan.
- Request online in 5 minutes: Their secure form only takes a few minutes to complete. The process is completely online - no lineups and no waiting.
- Sign for your loan and collect your funds: Once they've connected you with a lender, review and e-sign your loan agreement on the spot.
- Repay your loan: Many of Zippyloan's lenders offer the flexibility to repay with multiple installments, in some cases up to 60 months.
Get up to $50,000 with a low, fixed rate loan
- Credit Card Refinance Loans
- Debt Consolidation
- Home Improvement or Major Purchase
Our personal loans are often used for;
- Helping eliminate high-interest credit card debt and get a clear payoff date.
- Streamlining your credit card and loan payments into a single monthly payment.
- Getting the funds you need to remodel, repair, or build the home you want without the hassle of refinancing or taking out a home equity loan.
- Helping you upgrade your life with a fixed-rate loan instead of a high-interest credit card.
A Simple Breakdown of a Personal Loan from Upgrade:
- If you're approved for a $10,000 loan with a 17.98% APR and 36-month term…
- The 17.98% APR includes: 14.32% yearly interest rate and a 5% one-time origination fee ($500)
- You would get $9,500 deposited directly in your account. $10,000 — $500 = $9,500.
- And, each month you would pay back $343.33 over 36 months
Why we chose Upgrade: Rated Excellent on Trustpilot with over 39K reviews. Superior customer support staff available via phone or email. Multiple offerings including loans, credit cards, online banking, and credit checks. Need we say more?
Personal Loans with low fixed rates
- No hidden fees. Next day funds.
- Car loan refinancing also available
- Borrow up to $50,000
Why choose Upstart for your online personal loan? You're more than your credit score—Our model looks at factors such as your education and employment to help you get a rate you deserve.
- Flexible loan amounts: You can get a personal loan from $1,000 to $50,000
- Fixed rates and terms: Choose between personal loans in 3 or 5 year terms, with fixed rates of 5.2% - 35.99% APR
- No prepayment fees: You can prepay your loan at any time with no fee or penalty
The simple way to refinance your auto loan. We make it easy to save. Check your rate, confirm your details and we'll take care of the rest when it comes to your new auto loan.
- Flexible loan amounts: Upstart-powered car refinance loans start at $9,000 and loan terms range from 24 to 84 months
- Custom rates: Our model looks beyond your credit score and uses education and employment to get you the rate you deserve
- No hidden fees: No application fee or prepayment penalty”
Why we chose Upstart: Upstart is the leading AI lending marketplace. They connect millions of consumers to 100+ banks and credit unions who leverage Upstart’s artificial intelligence models and cloud applications to deliver superior credit products. Their platform includes personal loans, automotive retail and refinance loans, small dollar “relief” loans, and later this year, home loans! They’re dedicated to improving access to credit for all.
Get funding fast, directly to your account
- Request from $250 to $35,000
- Simple, straightforward, and secure
- No hidden fees. No upfront cost. Zero obligation.
PersonalLoans.com provides an easy and convenient way for consumers to be connected with a personal loan through our network of lenders and the other third-party lender networks we use. Our online service can help you to get a loan of between $250 and $35,000, right from your home or office, or even on the go through your mobile device. We help people looking to borrow for any number of reasons, whether it be for a home improvement project, a payday loan, debt consolidation, bad credit, medical expense, or anything else. We connect consumers seeking fast, hassle-free financial assistance with the lenders and lending partners in our large network, and we do this without charging any fees. Through the lenders in the PersonalLoans.com network and in the other third-party lender networks in our network, you can get needed loan funds quickly, in as little as just one business day.
With our secure form submission process, we make it simple for you to get your information in front of our large network of lenders and other third-party lender networks. Once you submit the form on our site, we immediately go to work presenting your information to these lenders to give them a chance to offer you a loan. If a lender chooses to offer you a loan, we redirect you to the lender or lending partner’s offer page containing the details of the loan for you to review.
Why we chose Personal Loans: Simplicity and variety. Personal Loans makes the application process easy and immediately goes to work for you to secure a loan as quickly as possible. Though most applicants are approved, if Personal Loans can’t find a loan that’s right for you, they may suggest alternatives that will be beneficial to your current financial situation.
Auto Title Loans Starting at $2,500
- Instant Phone Approvals
- No Hidden Fees, Payoff Anytime
- Get Cash, Keep Your Car
Apply for Title Loans Online or Near You!
Are you in a financial situation where you must pay an unexpected bill or expense, but you do not have the funds to cover it? Over 25% of Americans do not have an emergency fund to fall back on if something unexpected happens. You can always sell items to allocate the money you need or get a second job to get extra income, but those can take a lot of time that you do not have.
You may also resort to asking your friends or family for emergency cash, but the truth of the matter is that it could also take effort to get it, and you may find yourself running late on your payments. Thankfully, there is an option available that can be quick and easy for you to get funded! You can easily apply for title loans online or near you today through LoanMart.
Here is what you can expect when you apply for auto title loans:
- Affordable Loan Payments: LoanMart allows you to choose loan terms convenient for what you can afford.
- Incredibly Quick Funding: With LoanMart, it only takes a few minutes to inquire about a title loan! Once a loan agent approves you for the loan, you could receive your money in as little as 24 hours!
- Bad Credit Won’t Hold You Back: You do not need to have a strong credit history to be eligible for a title loan serviced by LoanMart! You can still qualify for a loan with your car title and proof of income.
- No Hidden Fees: Many loan options stun you with hidden fees that leave you in a cycle of debt in the long run. With LoanMart, there are no hidden fees or balloon payments to be found. There are also no prepayment penalties if you have the means to pay off your loan early!
- Large Maximum Amount: You may be able to get a high loan amount based on your vehicle’s equity. The amount you would receive depends on your car, your financial situation, and the state you reside in.
Step-by-Step Guide to Choosing the Right Lender
1. Assess Your Financial Situation
- Understand Your Needs: Start by figuring out why you need the loan and how much you need to borrow. This helps avoid overborrowing and ensures the loan serves its intended purpose.
- Check Your Credit Score: Your credit score is a key factor in determining the interest rate you'll receive. Obtain a copy of your credit report from major credit bureaus and check for any inaccuracies that could affect your loan application. Focus on building your credit before applying for a personal loan, if possible.
2. Know the Types of Personal Loans
- Unsecured vs. Secured: Unsecured loans don't require collateral, but usually have higher interest rates. Secured loans may offer lower rates, but you risk losing your collateral if you default.
- Fixed vs. Variable Interest Rates: Fixed rates stay the same, while variable rates can change, potentially lowering your costs but also adding uncertainty.
3. Research Loan Providers
- Traditional Banks: Typically offer personal loans with competitive rates and benefits for existing customers, but they may have stricter eligibility criteria.
- Credit Unions: Member-owned institutions that provide lower interest rates and fees than banks. You'll need to become a member to apply for a loan.
- Online Lenders: Typically offer a quick and easy application process. They might be more flexible with credit scores but often charge higher interest rates.
- Peer-to-Peer (P2P) Platforms: Connect borrowers with individual investors. Rates can be competitive, but fees and terms vary widely. This is becoming a lot more common nowadays!
4. Compare Loan Terms and Features
- Interest Rates: The APR (Annual Percentage Rate) includes the interest and any fees charged by the lender.
- Fees: Look out for origination fees, prepayment penalties, and late payment fees. These sometimes get buried in the fine print and can add significantly to the cost of your loan.
- Repayment Terms: Longer terms mean lower monthly payments but more interest over time. Shorter terms increase monthly payments but reduce the total interest cost.
- Loan Amounts: Ensure the lender offers the amount you need. Borrowing more than necessary increases your debt burden.
- Speed of Funding: If you need funds quickly, check out how long it takes for loans to be processed and disbursed.
5. Consider Your Eligibility
- Income: Lenders will assess your income to ensure you can repay the loan. You may need to provide pay stubs and tax stubs.
- Debt-to-Income Ratio (DTI): This measures your monthly debt payments against your income. A lower DTI indicates better financial health and improves your chances of approval.
- Credit Score Requirements: Each lender has different credit score requirements. Know where you stand - click here to check your score.
6. Read Reviews and Ratings
- Customer Feedback: Look for reviews from past borrowers to gauge their experiences with the lender.
- Financial Health: Check the lender's rating with financial agencies and consumer protection organizations. A strong rating indicates a reliable and stable lender.
7. Understand the Fine Print
- Prepayment Options: Some lenders charge a fee for paying off your loan early. If you plan to repay your loan ahead of schedule, look for a lender that doesn’t penalize prepayment. Why should you have to pay more for paying early?!
- Automatic Withdrawals: Many lenders offer a lower interest rate for setting up automatic payments. Ensure you understand the terms and that you can manage the monthly deductions from your account.
- Loan Use Restrictions: Some lenders restrict how you can use the loan funds (e.g., no business expenses).
8. Apply for Pre-Approval
- Soft Credit Check: Many lenders offer a pre-approval process with a soft credit check, which won’t affect your credit score. This gives you an idea of the interest rate and loan amount you might qualify for.
- Compare Offers: Use pre-approval to compare offers from multiple lenders without impacting your credit score. Look beyond the interest rate to consider fees, terms, and lender reputation.
9. Make a Decision
- Total Cost of Loan: Calculate the total cost over the life of the loan, including interest and fees. This figure is crucial for comparing different loan offers.
- Monthly Payments: Ensure the monthly payments are manageable. Overextending yourself can lead to financial stress or damage your credit score.
- Lender Reputation: Choose a lender with a good reputation for customer service and reliability. The cheapest loan isn’t always the best if it comes with poor service!
10. Finalize Application
- Documentation: Prepare all necessary documents, including identification, proof of income, and any other documents required by the lender.
- Complete Application: Fill out the loan application thoroughly and accurately. Mistakes or omissions can delay processing or affect your loan terms.
- Communicate with the Lender: If the lender needs additional information or clarification, respond promptly to keep the process moving smoothly.