Personal Loan Lender
List by Max Cash®
Discover the best personal loan lender list all in one place through the Max Cash® directory. Access a personal loan to consolidate debt, handle large bills, or pay for unexpected expenses.2 5
Up to $2.5K for Personal Loans1
The application process through TitleMax is straightforward and can be done online or in-store, making it accessible to a wide range of borrowers. While it is typically possible for individuals to skip a credit check and keep driving their vehicles during the repayment process, these loans tend to come with shorter repayment periods, which might not be feasible for everyone.5
- Bad credit borrowers may be eligible for title loans
- In store options for some borrowers
- Quick approval and competitive rates4
- Funding is possible as soon as the same day or by the next business day1 2
- Securing a loan against your car can result in repossession if you default on your loan
- Cannot be used for non-personal related expenses
- Must have a bank account to secure a personal loan
- Required documents may change based on your state of residence
- Repayment terms may be short depending on your state of residence4
Up to $5K for Personal Loans1
WCC has options that caters to borrowers without strong credit scores. Our review is that WCC may not provide as seamless of a loan experience as others in the financial services industry, but it may be able to offer higher title loan amounts to eligible borrowers in comparison to some options.1
- Bad credit borrowers may be eligible for title loans5
- Variety of repayment options are available
- Quick approval and competitive rates4
- Securing a loan against your car can result in repossession if you default on your loan
- May need to have a bank account to secure a personal loan
- Required documents may change based on your state of residence
Varies for Personal Loans
CLA has numerous affiliated locations across the country, with a significant presence in states such as Georgia, Texas, Alabama, and South Carolina. This allows individuals from all different regions to begin a loan inquiry online, over the phone, or in person with a loan agent. Our verdict is that CLA focuses on accessibility by providing short-term loans for borrowers, so the repayment period may not be ideal for those who need an extended period of time to pay off their loans.1
- Bad credit borrowers may be eligible for title loans5
- Convenient repayment options
- Fast approval process and competitive rates4
- Securing a loan against your car can result in repossession if you default on your loan
- May need to have a bank account to secure a personal loan
- Required documents may change based on your state of residence
Western Shamrock Loans stands out by offering Texas residents multiple locations to apply for personal loans. Personal loans can be used to consolidate debt, pay for weddings or vacations, or handle other large personal expenses. Our verdict is that the accessibility is lower due to their location restrictions, but Western Shamrock Loans can be a viable option for those who need funding.
- Bad credit may not be an issue
- Convenient and fast processing for loan inquiries4
- Multiple locations for those who prefer face-to-face interactions1 2
- Late fees may add to the overall cost of the loan if your payments aren't made on time
- Risk of Higher Interest rates if your credit score is not ideal4
World Finance offers convenient personal loans for consumers who need to obtain emergency funding or funds for debt consolidation. With loans ranging up to $12,000 in some states, this personal loan option can be ideal for borrowers who need quick access to financial help.1 2
- Quick approval process5
- Bad credit may not be an issue
- Can be repaid in installments4
- Personal loans can be used to consolidate debt, build credit, and handle unexpected expenses
- Credit check is required
Best Egg is a reputable online lender specializing in personal loans and debt consolidation. Founded in 2013, the company has served over 800,000 customers and offers loan amounts ranging from $2,000 to $50,000 with terms from 36 to 60 months.1 Known for its quick approval process and competitive rates, Best Egg allows borrowers to pre-qualify without impacting their credit score.
- Online approval process that allows borrowers to see if they are pre-approved
- Installment payments provide predictability
- Co-applicants are not allowed
- Origination fees are charged
Camelot Financial Services offers fast cash loans, typically ranging from $100 to $3,400, focusing on quick approval and friendly service. Established in 2013, they provide personal loans and signature loans to residents of the Oklahoma City metro area. One of the biggest advantages of choosing Camelot is their speedy application process, allowing you to have the money you need as soon as the next business day.1
- Clear loan terms4
- In store options
- Money can be received in/on same business day, if approved
- Only available in Oklahoma
- Camelot does not offer some types of loans (title loans, etc.)
Balance Credit offers personal loans up to $4,000 with a simple online inquiry process and provides funds by the next business day after full approval.1 Their personal loan services cater to a variety of needs, but availability and terms vary by state, and not all applications are approved.
- Borrowers with fair to good credit scores are typically accepted5
- Funds can be available as soon as the next business day upon full approval
- Cannot be used for non-personal related expenses
- Availability varies by state
- Approval not guaranteed
- Rates vary4
Avant offers personal loans designed to meet diverse financial needs. Whether consolidating debt, covering unexpected expenses, or making a major purchase, Avant provides solutions tailored to individual credit profiles. Their online platform streamlines the application process, often delivering quick decisions and funds as soon as the next business day.
- Borrowers with fair to good credit scores are typically accepted
- Funds can be deposited as soon as the next business day.
- Responsive support team available to assist borrowers.
- Cannot be used for non-personal related expenses
- Required documents may change based on your state of residence
- Bad credit is likely an issue for eligibility
For consumers wanting to consolidate their debt or maybe fix a leaky roof, Upgrade can offer flexible personal loans up to $50,000 with no impact to credit to prequalify.1 The online application process is highly accessible, fast, and approvals can potentially come within minutes and funds deposited the same or next business day.5 Upgrade also has credit cards and rewards checking which earn cashback on debit card purchases.
- No prepayment penalties3
- Checking your rate is free
- Upgrade can even send funds directly to your creditors if you are consolidating debt.
- Flexible loan terms4
- Credit Check Required
- May not qualify for an unsecured loan without a stronger credit score5
For 102 years, United Finance has helped borrowers faced with unexpected financial hardships with personal and auto loans up to $5,000 for some eligible consumers.1 What sets United Finance apart from other lenders is their personal loans are designed to fit the budget, needs, and lifestyle of the borrower, paid back over time in predictable payments versus an expensive lump sum. Apply online and potentially receive funding within a few hours or the next business day, if approved.
- Fair, poor, or good credit borrowers are eligible for personal loans
- Fast approval and competitive rates (especially for auto loans)4
- Some consumers may be funded the same or by the next business day, pending approval5
- Late and origination fees are not clearly stated
- Not available nationwide
- Some loans come with a hard credit check
- Specific terms may be longer or shorter depending on the type of loan4
If you're searching for cash now, Tower Loan can provide personal and installment loans up to $20,000 for some qualified borrowers, all with excellent customer service and an easy application process.1 Personal loans are offered either 100% online, or in-store, as well as installment loans which have fixed rates and predictable payments to fit your budget and lifestyle.
- Poor credit is not necessarily a deal breaker for personal and installment loans
- Online or in-store options Flexible repayment terms
- Receive loan potentially the same or by the next business day, if approved5
- Some loans require collateral
- Available in only 6 states
- Consumers with lower FICO scores may have higher loan interest rates
$100-$3,000 for Personal Loans1
America's Loan Company provides title loans and personal loans to Ohio residents, catering to both good and bad credit scores. The application process can be completed online, ensuring convenience and quick access to funds. Our verdict is that since there are refinancing options available to qualified borrowers, along with other convenient perks and terms, America's Loan Company is a viable option for personal loans and title loans.
- Securing a loan against your car allows flexibility during the inquiry process
- Bad credit may not hold you back
- Quick approval process4
- Only available in Ohio
- Longer loan terms may lead to paying more in interest over time4
Our verdict is that Allied Cash Advance offers personal loans that provide flexibility because they can be repaid in convenient installments over time, allowing borrowers to have predictability during the repayment process.
- May Have the Ability to Obtain Higher Loan Amounts1
- Previously filing for bankruptcy may not be an issue
- Predictable installments2 4
- Must have an active checking account for at least 30 days
- Longer loan terms may lead to paying more in interest over time4
Getting a loan through Advance Financial 24/7 is straightforward and accessible to many borrowers, as it can be applied for online and in-store.
- Bad credit borrowers may be eligible In store options for some borrowers
- Quick approval and competitive rates4
- Permanent residents are also eligible to apply.1 2
- Eligibility is dependent on varying factors, including the borrower’s state of residence
Advance America Loans is a financial services company that provides a range of quick cash solutions, including payday loans, personal installment loans, and title loans. Our verdict is that Advance America prioritizes fast funding and accessibility by offering fast inquiries and in-store or online options.5
- Bad credit borrowers may be eligible for title loans
- In store or online options
- Quick approval and competitive rates4
- Funding is possible as soon as the same or by the next business day1 2
- Securing a loan against your car can result in repossession if you default on your loan
- Must have a bank account and SSN for an online loan
- Payday loans have shorter repayment periods4
- Required documents may change based on your state of residence
- Repayment terms may be short depending on your state of residence4
Our verdict is that with over 20 years of experience, Achieve specializes in personalized loan options with fast funding and convenient inquiry processes. While personal loans can be an asset to many borrowers, some individuals may have more difficulty securing approval with a lower credit score.
- Streamlined approval and quick funding4 5
- Primary purpose is to help consolidate debt
- Funding is possible as soon as the same or by the next business day1 2
- Online only
- Origination fees, but no prepayment penalties
Varies Depending on Your State of Residence
A-1 Payday Loans offers fast cash loans, typically ranging from $50 to $2,500, with a focus on quick approvals and friendly service.1 Established in 1997, they provide payday loans, installment loans, cash advances, and title loans to residents of Mississippi. The application process is straightforward, with quick funds available upon full approval.
- Bad credit borrowers may be eligible In store options
- Quick approval and competitive rates4
- Funding is possible as soon as the same or by the next business day1 2
- Some loans only available in Mississippi
- Must have an open bank account
- Repayment terms may be longer or shorter depending on the type of financial product4
$100-$2,5K for Personal Loans1
5 Star Car Title Loans offers car title loans and personal loans to bad credit individuals needing quick cash. The company provides a simple online application process with speedy approval and no hidden fees. Our verdict is that since 2012, 5 Star Car Title Loans has been dedicated to providing excellent service and financial solutions, but they do not have in-person locations to submit inquiries.
- Bad credit borrowers may be eligible for title loans and personal loans
- Quick approval process4
- Funding is possible as soon as the same day or by the next business day1 2
- Secured loans, like car title loans have the potential risk of repossession if you default on your loan
- No in-store locations
- Required documents may change based on your state of residence
Loans from $50 - $2,5001
TitleBucks can help you use the equity in your vehicle for fast cash when you need it most, with title loans up to $10,000.1 Start online with an easy application, then visit one of TitleBucks' 60+ store locations for an equally fast vehicle appraisal, and you could walk out the door with cash and your keys in as little as 30 minutes. RVs, motorcycles, trucks, cars–most things with wheels are accepted, and if you do not own a lien-free vehicle title, personal loans are also offered up to $2,500.
- Past bankruptcy and poor credit applicants may be eligible for title and personal loans
- No prepayment penalties3
- Online Customer Portal is available to manage payments and check balances.
- Cash in as little as 30 minutes in-store!
- Streamlined application
- Some borrowers owning vehicles with lesser value may not qualify for larger loan amounts
- Available in 6 states only
Tio Rico Te Ayuda is family owned and operated helping borrowers in need of quick cash with title loans and personal loans up to $100,000 in some cases.1 The approval process is streamlined for max efficiency either online, or at a branch location with funds delivered the same or next business day.
- Title loan first month free for first-time borrowers
- Will pay $100 for switching over existing title loans
- No prepayment penalties3
- Many receive funding the same day or as quickly as the next business day, if approved5
- When compared to other lenders, loans can have much higher interest rates
- Available only in Arizona
- Borrowers defaulting on title loans risk having their vehicles repossessed
For one of the best online personal loan experiences available, SoFi ("Social Finance") can potentially fund up to $100,000 by the same or the next business day, if approved.5 Prequalify online with no credit impact and get approved within minutes. With SoFi, there are no loan origination fees or prepayment penalties, in addition to home loans and even student loan refinancing. Via Allpoint, SoFi has a vast ATM network that is convenient to use.
- Apply online with loans available nationwide
- $300 bank account bonus for new consumers
- Potential funding the next business day, if approved5
- Borrowers must have at least a 680 FICO score
- Cannot apply for less that $5,000 loan amount
- Loans come with a hard credit check
Rocket Loans has the personal loan application process streamlined to a science, with online pre-qualifications not impacting credit and funding up to $45,000, if eligible and approved.5 Unsecured personal loans come with predictable, single, fixed monthly payments, which can allow for greater flexibility and no surprises down the line, and Rocket Loans can be used to pay for a multitude of things, like debt consolidation, or simply not dipping into your savings to cover unexpected expenses.
- Total online experience from start to finish with no credit impact to pre-qualify
- Unlike credit cards, loans have fixed payments and a clear track to pay off
- No prepayment penalties3
- Receive funds in your bank account the same day or by the next business day, if approved5
- 9% origination fee for each loan
- Not available nationwide
- $15 late fee charge per payment cycle
- Maximum 29.99% APR may be higher when compared to some traditional loans
For over 70 years and counting, Republic Finance has delivered personal loans up to $25,000 for borrowers needing quick funding and an alternative to traditional banks and other lenders.1 Whether online or at one of Republic's 100+ branch locations, pre-qualify in minutes with no credit check and potentially be approved the same or by the next business day with a check in hand.
- Pre-qualify online or in-store with no credit score impact
- Credit protection insurance offered
- Loan refinancing is available to potentially lower existing rates
- Pending approval, receive funds either the same day or by the next business day5
- Secured loans require insurance and collateral
- Not available in all states
- Maximum loan amounts and other terms vary by state
- Proceeding with a loan will impact FICO scores
Regional Finance offers personal loans up to $12,000 to borrowers for whatever financial need they might be facing. Some borrowers will be eligible to apply for up to $35,000!1 Apply online or at one of their 350 store locations across the U.S. and be pre-approved without impacting your credit. Loans come with flexible repayment plans, and insurance may be added for greater protection.4 Regional Finance also provides auto-pay discounts.
- Borrowers from all credit backgrounds eligible for personal loans
- Credit life or disability insurance can be added to loans for extra protection
- No prepayment penalties3
- After approval, receive funds the same day or by the next business day5
- Loans require collateral (personal property, etc.) and it must be insured
- Available only in 19 states
- Some loan terms and rates may differ significantly over various states
Prosper is a trailblazer for the "peer-to-peer" lending platform back in 2005 and can offer borrowers personal loans up to $50,000 by connecting them with individual investors with much more flexibility compared to more traditional loans.1 Use personal loans for debt consolidation, home improvements, or to help with a financial emergency. Apply online via an easy form to check loan rates and receive funds in your account in one to three business days, if approved.
- Good credit borrowers may receive lower loan interest rates
- To increase chances of loan approval, co-signers are allowed
- No prepayment penalties or hidden fees3
- Receive funds in one to three business days, if approved and depending on the bank5
- Loans available in only fixed 3 to 5 year terms
- Minimum 640 credit score required
- No adjustment to payment schedule is allowed
- If insufficient interest from investors, funding and loan approval may take longer
Oportun provides personal loans to borrowers with poor or no credit history, up to $5,600, either online or at a store location.1 The application process is easy and streamlined, and prequalification won't impact credit scores. Approved applicants may receive funds the same day or by the next business day.5 Oportun also offers a convenient mobile app!
- Easy application process with approvals possible in minutes
- Fixed monthly payments and clear terms
- Reports payment history to major credit bureaus to build credit
- Upon approval, funding may be deposited the same day or by the next business day5
- New borrowers are not eligible for loan amounts over $6,000
- Available in select states only
- Charge an Administrative Fee (tax stamp) upon approving loans
- Interest rates may be higher compared to traditional loans
Loan Amounts for Payday Loans Vary by State
With many locations in 19 states, Check into Cash has offered a wide range of financial services for short-term cash needs since 1993. From payday loans and title loans to installment loans and more, Check into Cash has a simple application process available online or in-store for your ease, with funds available as soon as the same day if approved.5 Apart from loans, check cashing and Western Union services are also available.
- Apply online or in-store and be approved in just a few minutes5
- Upfront and clear information on fees, terms, and repayment schedules
- May be able to buy out existing title loans for a larger amount
- Get money the same day or by the next business day1 2
- Title loans come with the risk of repossession for non-payment
- Not a nationwide service
- Only allows one loan or credit product at a time
- Payday loans can have high APRs, given their short-term nature
If your credit isn't the best, CocoLoan can connect you with a wide network of lenders and compare multiple offers with competitive rates.4 Instead of searching for the best lender on your own, CocoLoan does it for you as quickly and efficiently as possible. With CocoLoan, choose the offer that fits your needs, and you can get funding the same or by the next business day, all without leaving your couch.
- Borrowers with poor credit can apply for loans
- Initial application can be completed in as little as 5 minutes
- Provides educational resources on budget management
- Funds deposited in as little as one business day, if approved5
- Not available in all states
- Not a direct lender, any problems encountered have to go through the third-party loan lender
Since 2019, CreditFresh has helped those with poor credit or no credit at all access a personal line of credit from $500 to $5,000.1 A simple, easy-to-use online application allows you to check your eligibility and receive the financial help you need upon full approval.
- No hidden fees
- If approved, access funds the same business day5
- Potential credit line increases for on-time payments
- Lower maximum credit limit of $5,000
- Available in 25 states only
- No standardized APR making actual borrowing cost unclear
CreditNinja can deliver flexible personal loans with "ninja" swiftness, even if you may have bad credit. Start out with their simple, streamlined application and get approved in just a few minutes, with funds directly deposited as soon as the next business day.
- Applicants with bad credit can be approved
- No prepayment fees3
- Funding possible as soon as the next business day1 2
- Not available nationwide
- Charges an origination fee of up to 5% of the loan amount
If you're dealing with an unexpected emergency or pending bills, Delaware Title Loans, Inc. can deliver fast funds with competitive rates with title loans up to $15,000.1 4 Start by filling out their easy online form, speak to a friendly loan representative, then visit a convenient store location or arrange a mobile visit where your vehicle will get a quick inspection and based on its value, you can receive the urgent cash you need in 30 minutes or less.
- Borrowers may be eligible for title loans even with poor or no credit
- No checking account required
- Quick and easy approval process5
- Funding is possible in 30 minutes or by the next business day1 2
- Only available in Delaware
- Title loans can come with higher interest rates
- Repayment terms may vary greatly depending on the type of financial product4
If you're already a Citibank consumer and need urgent cash for home improvements, debt consolidation, or an unexpected emergency, Citi Personal Loans can fund up to $30,000 the same day, if qualified.1 5 One of the best parts is that you choose the loan amount right for you with a fixed monthly payment, convenient terms, and no hidden fees. Also, a preliminary check of your rate will not affect your credit score.3
- Can repay the loan over 12, 24, 36, 48 or 60 months
- See potential rate without impacting credit
- No late, prepayment, or hidden fees3
- Only available to qualifying Citi accounts in the U.S.
- Minimum loan is $2,000, which may be too large for those wanting smaller loan amounts1
Cash Time Loan Centers has 25 years of delivering financial solutions to those who need it most with personal, title, and registration loans. Start your application online, or in person at one of their 18 Arizona locations and get funds the same day.5 Maybe you already have a title loan–no problem, Cash Time can try to buy out and refinance existing title loans for the best rate and terms possible and you get to keep driving your vehicle throughout the repayment process.
- Fast application process with some approvals in less than 30 minutes
- No prepayment penalties.3
- No or bad credit is okay
- Depending on the loan, flexible repayment options are available
- Only available to Arizona consumers
- Loans can have shorter repayment periods, which can be a negative if you need more time to repay4
- Some financial services are not available at all store locations
Everyone needs help now and then, with Dollar Loan Center (DLC), those quick cash solutions are available for you, even with no checking account. DLC is not your typical payday loan company, their short-term loans do not accrue compound interest in addition to having much lower interest rates, and guarantee to beat the rate of any other company in your area, or your loan is free. Applying for a DLC signature loan is simple and fast, with most approvals in just minutes and funds available on the same or by the next business day.
- Bad or no credit borrowers may be eligible for personal loans
- Fast approval and highly competitive interest rates4
- Debit card funding available the same next business day1 2
- Applying comes with a hard credit check
- Only available in select states
- Repayments may vary greatly depending on the type of loan product4
For consumers with poor or maybe fair credit, OppLoans can provide personal and installment loans ranging from $500 to $4,000 with no hidden charges and a predictable fixed rate.1 The application process is entirely online through a simple-to-use form where borrowers are matched with the lender right for them followed by funding the same or by the next business day, pending approval.5 OppLoans also offers "OppU" to help educate borrowers on topics like financial planning and managing their money.
- Apply online with potential approval in minutes
- Loans come with fixed rates and no hidden fees
- No prepayment penalties3
- After approval, funding may be received the same day or by the next business day5
- For borrowers with low credit, APRs may still be higher
- Not available nationwide
- Some loan terms may be shorter or longer depending on the type of financial product and state4
For Discover consumers looking to consolidate debt, or just need extra cash, Discover Personal Loans offers a no-fee, total online loan process with funds sent as soon as the next business day.5 Their loans typically range from $2,500 to $40,000 with competitive interest rates.
- No application, origination, or late fees
- Return loan within 30 days with no interest charge
- Fixed APR with predictable monthly payments
- Funding as soon as the next business day1 2
- Minimum required credit of 660
- Minimum income required
- Requires credit check
Forget your typical payday loan company, Eagle Loan Company serves middle Americans with secured personal loans ranging from $1,000 to $10,000 at traditional finance company rates.1 Eagle offers months to repay a loan, which can benefit borrowers in a big way, since it becomes more manageable versus 2 weeks or a month paying back principal and interest with most payday loans. Apply online or at one of Eagle's locations and get funded by the same day or by the next business day.
- Quick approvals the same or by the next business day5
- Longer repayment terms with lower costs
- Timely payments reported to credit bureaus, which may build or rebuild credit
- Collateral may be required (like a vehicle title)
- Only available in 3 states
- Loans are finalized at store locations only, not online
"Good Today, Better Tomorrow" is Elevate's motto, and they deliver it by linking borrowers with trustworthy lenders, even if their credit is less-than-perfect. Elevate taps into advanced analytics and technology to obtain the most competitive personal loan rates available on their user-friendly online platform. Elevate also strives to provide financial resources and tools that borrowers can use to improve their finances and long-term goals.
- Fast, tech-driven application process
- Cater to non-prime consumers
- Approvals as soon as the next business day5
- No prepayment penalties3
- Some loans have application and origination fees
- Not available nationwide
- Interest rates may be higher than prime borrower loans4
When you need cash, eLoan Warehouse specializes in personal loans up to $3,000 to help with whatever curveball life has thrown at you.1 In some cases, funds can be available as soon as the next business day, pending full approval.
- Simple online application with funding possible the same or next business day, if approved5
- Tiered loyalty program
- No prepayment penalties3
- Repayment terms can be simple and straightforward
- Minimum income requirements for loans
- Checking account must meet minimum opened duration requirements
Embassy Loans serves Florida residents needing fast cash access through personal and title loans ranging from $500 to $15,000.1 Apply easily and seamlessly online, or visit one of their 32 locations and be approved the same day or by the next business day.
- Option to apply online or in-store
- Borrowers can conduct their own online vehicle inspection for title loans
- Fast approvals within 15 minutes and competitive rates4
- Offers the “credit builder program” to assist borrowers improve their credit by making on-time payments
- Personal loan approvals based on an applicant’s FICO scores
- Only available in Florida
- Title loans use the borrower’s vehicle as collateral; non-payment or defaulting can risk vehicle repossession
King of Kash has 40 years of experience helping borrowers obtain personal loans from $100 to $5,000 when traditional banks have denied them due to either poor, or no, credit.1 Appling takes just a few minutes online or in-store with funds direct-deposited into your account within 1 business day.5 What's best is the King of Kash approval process is based solely off your ability to repay, and not just your credit–and with no loan origination fee.
- No credit check and no collateral required
- Money used becomes available again after making payments
- No prepayment penalties3
- Potential funding as soon as the same day or the next business day1 2
- Some may experience a negative impact on ability to borrow from other lending companies
- Only available in select states
- Not making timely loan payments may result in late fees and decrease in available credit limit
LendingClub has led the way as being one of the first digital marketplace banks providing debt consolidation and business loans up to $60,000 with a revolutionary peer-to-peer lending model linking consumers to institutional investors with lightning speed.1 Borrowers can check their rate online with no credit impact, choose a loan amount, and if approved, funds are direct-deposited within a few business days with competitive interest rates and terms.
- Loans come with fixed rates and payments with no additional interest
- No prepayment fees3
- Making on-time payments can positively impact credit
- Funding is possible within a few business days1 2
- Charge origination fee from 1% to 6% of the loan amount
- Not available in all states
- Minimum credit score of 600 required for some loans
- Same-day funding not available
For borrowers with less-than-perfect credit needing quick funding, LendingPoint offers personal loans up to $36,500 with no credit impact when applying.1 LendingPoint uses their own proprietary technology and algorithms to give more borrowers better chances of being approved, with funds directly deposited as soon as the next business day. LendingPoint also has a Knowledge Center and other helpful resources to educate borrowers on properly managing money and making better financial choices down the line.
- Uses proprietary technology and AI to increase borrower approvals
- No prepayment penalties3
- Convenient app to manage account
- If approved, funding is possible as soon as the next business day5
- Charge origination fee up to 10%
- Not available to Nevada or West Virginia residents
- APR high as 35.99%, particularly for bad credit consumers
For over 100 years, OneMain Financial has helped borrowers with personal loans ranging from $1,500 to $20,000, whether for consolidating debt, home repairs, or whatever unexpected financial need.1 Apply either online or at one of their 1,300 branch locations across the U.S. and be funded as soon as an hour in some instances, if approved.
- Applicants with no or bad credit may be eligible for personal loans
- Fixed loan rates from 18.00% to 35.99%
- No prepayment penalties or fees3
- Approved borrowers may receive funding the same day or by the next business day5
- A loan origination fee is charged, varying by state and amount
- Not available nationwide
- Late payment fees range from 1.5% to 15%
NetCredit offers convenient personal loans and lines of credit online to consumers whose credit may be less than perfect using advanced technology and algorithms to lock in the best loan amount, terms, and fees, from $1,000 to $10,000 and lines of credit up to $4,500.1 Applying is quick and easy, completely online, and borrowers can potentially receive funds the next business day, if approved.5 NetCredit also has a My Credit Builder program for improving credit and the ClearCost for Me tool to help borrowers determine the loan amount that best fits their financial needs.
- Total online application process with approvals in minutes and funds may be deposited the next business day, pending approval5
- No prepayment penalties3
- On-time payments reported to credit bureaus to help build credit
- Borrowers offered flexible, customizable repayment schedules
- Once borrowers accept loan contracts, a hard credit inquiry is made
- Available in select states only
- Poor credit consumers may pay higher interest rates for personal loans compared to more traditional loans
With personal loans up to $25,000, Mariner Finance can help borrowers needing to consolidate debt, make home improvements, or deal with unexpected expenses with funding as soon as the next business day, if approved.1 5 Mariner Finance also welcomes those with less-than-perfect credit to apply, providing an easy-to-use loan calculator to determine monthly loan payments and total repayment amounts.
- Some borrowers may be eligible to defer loan payments
- If a loan is returned within 15 days, no additional fees are applied
- Bankruptcy applicants welcome
- Some may receive funds the same day or by the next business day, if approved5
- Maximum loan amounts vary by state
- Not available nationwide
- Origination fees may be included with some loans
With 6 convenient locations throughout Ohio, Loan Central, Inc. provides personal and vehicle loans as well as state and federal tax preparation services. Loan Central can help borrowers with poor credit secure loans that fits their needs and lifestyle, as well as vehicle loans on almost anything rolling on wheels.
- Borrowers with poor credit may still be eligible for personal and vehicle loans
- Tax preparation services offered in-store
- Making on-time loan payments may potentially rebuild credit
- If approved, receive funds the same or by the next business day5
- No online application option
- Available in only 6 Ohio locations
- Loans may come with higher interest rates compared to other traditional loan types
Up to $5K for Personal Loans1
For consumers looking for speedy funding with competitive rates, LoanCenter offers personal and title loans up to $50,000 with flexible terms and a smooth, streamlined application process.1 4 Borrowers owning a vehicle with a lien-free title can apply online or at a LoanCenter location using their vehicle's value and get funded as soon as the next business day in some cases.
- Vehicle doesn’t need to be paid off for title loans eligibility
- Refinance existing loans with no fees attached
- Easy application with loan calculators to determine loan terms
- If approved, funding may be as soon as the same day or by the next business day5
- Title loans use vehicles as collateral, failure to repay may result in repossession
- Only available in some states
- Loans can come with higher interest rates between 34.99% to 157.99%
LendUP.com offers more than just short-term loans to borrowers with less-than-perfect credit; it also is there to provide budgeting education with 13 simple online courses to improve overall financial health. Apply 24/7 online, weekends and holidays, and get connected to the right trusted direct lender for your particular needs with funding the same or by the next business day.
- Streamlined online application process available 24/7
- No prepayment penalties or hidden fees3
- Educational modules available for better financial decision making
- Funds may be deposited the same day or by the next business day1 2
- Loans capped at $250 for first-time borrowers
- Not available in every state
- Third-party Veritec service may limit loan amount and other terms depending on borrower’s state
Since 1972, Justice Finance has assisted Dallas-Fort Worth consumers with personal loans up to $1,800 with 18 convenient branch locations and world-class customer service.1 Start the application process either online, at a store, or over the phone. Justice Finance requires no collateral or even a checking account to apply with funding available the same business day, if approved.5
- Fast application process either online, in-store, or by phone
- No collateral or checking account required for personal loans
- No prepayment penalties3
- Funding possible the same business day1 2
- Maximum loan amount of $1,760, which may not be sufficient for some borrowers
- Available to DFW Texas residents only
- Loan terms and applicable fees not disclosed
With 24 years of experience, Heights Finance has helped borrowers with bad credit when other lenders have turned them down. Start a streamlined application online or visit one of their 385+ stores with quick approval and same-day funding in some cases.
- Borrowers with poor credit may still be eligible for personal loans
- Cancel loan and return funds within 15 days and incur no fees or penalties
- $50 cash paid for referrals
- Fast approval with funding as soon as the same or by the next business day1 2
- Same-day approvals available for certain consumers on certain days
- Only available in 11 states
- Interest rates and loan terms are not disclosed
- Borrowers may be subject to the provision of acceptable collateral for the loan
Frequently Asked Questions for
Personal Loans
It is possible to obtain a personal loan at a bank, credit union, or through an online lender if you meet the lender’s application criteria for funding. Personal loans are typically unsecured and are often used for debt consolidation or to pay for significant personal expenses.
Comparing loans can seem overwhelming, especially with a variety of options available. Before you jump into an application, consider all aspects of a personal loan, including the loan terms and the convenience of the application process. From the start of your application to the end of your repayment process, it is important to work with a lender who can cater to your needs and provide efficiency.
In contrast to secured loans, unsecured loans do not require collateral. Therefore, the lender is taking on a greater amount of risk when lending these loans. When comparing loans, whether they are secured or unsecured, you should do your research and search based on the loan terms, the loan amount, and the level of service the lender or loan servicer provides. As an informed consumer, it is important to choose an option that reflects your financial circumstances and preferences.
In addition to being a useful tool to help consolidate your debts, personal loans can provide you with a certain amount of flexibility with your funds. It is possible to use the proceeds of your loan to cover a variety of personal expenses, but there are some restrictions.1
Receiving approval for an unsecured loan, such as a personal loan, can be as straightforward as meeting the lender’s requirements and submitting the correct paperwork to verify your information!5
Personal loans tend to come with either fixed or variable interest rates, and depending on your creditworthiness, the rates can often vary considerably. Shopping around and comparing different lenders is important to find the best loan terms and interest rates. Additionally, make sure to read the loan agreement thoroughly to understand all the terms and conditions of your finance agreement.4 5
If your lender reports your payment behavior to the major credit reporting agencies, then it is possible for your loan to impact your credit score.
Yes, as long as you work with lenders who can cater to applicants with bad credit, it is possible to secure approval for a personal loan even with a subprime credit score.5
Max Cash® can offer a convenient lender directory so users can compare the top personal loan lenders and read past reviews sourced from the Better Business Bureau and Trustpilot. 2 5
Get in Touch with Us
Have more questions? We have answers. Get connected to the best personal loans, payday loans, or title loans with the help of Max Cash®!2 5