Loans for Any Purpose

Access Funds from $500 to $50,000

Attaining a personal loan for essential expenses can be tough during challenging times. This is why we created EssentiaLoan. Quickly connect with top-rated lenders in your local area based on your funding needs. It only takes a few minutes to compare options.

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Featured Lending Partners

Faster Online Loan Decisions

Quickly connect with a lender by answering a few simple questions.

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Select a Loan Offer

Compare rates and offers from a list of trusted top-rated lending partners in our network

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Complete Online Form

After selecting a lender, complete a brief online form with all your loan details

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Close Your Loan

Sign your documents and sit back while funds are sent directly to your account.

Financing to meet your goals

Whether you’re looking for make some home improvements, interested in tapping your home equity, or have made the decision to consolidate those mounting credit card bills – we’ve got you covered.

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Short Term Loan Options

Rent, bills, auto repairs and other expenses sometimes tend to arrive when you least expect them. Not to worry! We’ve partnered with lenders in our network offering short term lending options for any loan purpose.

Featured Lending Partners

We have partnered these lenders based on their superb level of to customer service, product transparency and commitment to excellence.

What is a Personal Loan?

A personal loan is a term loan that’s designed to be repaid over a predetermined period of time, such as five or seven years. With the help of our website, you can locate a lender that provides loans ranging from $1,000 to $100,000. Eligibility is based on a variety of factors, including but not limited to your credit score and history. Every lender has its own terms and conditions, so it’s important to compare your options. We’re not a direct lender, but are happy to connect you with a provider who can discuss your wants and needs.

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How a Personal Loan can Help

You never know when an emergency will show up unnoticed. You never know when you’ll need a large chunk of change to make a purchase or tackle a home improvement project. Our process is designed for efficiency, thus allowing you to move forward as quickly as possible. With a large lender network, you can access the funds you need, up to $100,000. And in some cases, depending on the lender, you can receive funds within one business day.

Find a great lender or lending partner in minutes!

Most Recent Articles & Resources

How to Pay Off Your Car Loan Sooner

So, you want to pay off your car loan sooner rather than later? This is a common financial goal that can bring lots of good to your life if you’re able to pull it off. But before you get too excited, it’s imperative that you pin down a plan that will guide you from beginning …
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Steps to Take if You Can’t Pay Your Home Equity Loan

When applying for a home equity loan, you must understand the terms and conditions. This gives you a clear understanding of what you’re getting into and how you can best manage your loan in the future. Just the same as any type of loan, your financial circumstances can change before you pay it off. And …
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The Benefits of Paying a Mortgage vs. Pay Rent

Does it make more sense to buy a home or pay rent? This is an age old question that has no perfect answer. There are times when it’s better to pay a mortgage than rent. But there are also times when it’s preferred to pay rent, such as if you’re staying in a new location …
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Refinancing is an Option for Preventing Foreclosure

When you buy a home, you assume that you’ll make all your payments in full and on time. You also assume that you’ll eventually pay off your home, allowing you to live mortgage free. Unfortunately, your financial situation has the potential to change at any time, which can throw you for a curve on many …
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Rates & APR


APR & Loan Duration

The personal loan APR of our network of lenders and loan partners vary, with certain companies providing rates ranging from 4.79 percent to 35.99 percent and loan durations ranging from 90 days to 72 months. The actual loan rate depends on the amount and term of the loan sought, as well as the score, use and history of your credit. You will have the ability to review the final offer made by the lender or lending party and approve their loan agreement if you are given a loan.

Representative Example

If you borrow $4,000 over a 2 year loan period, the monthly repayment will be $182.74. The gross refund will be $4,385.74.

Annual Percentage Rate

The annual percentage rate is the rate at which your debt will accrue interest. It is dependent on the size of your debt, the cost of the loan, the term of the loan, the amount of the redemption and the timing of the installments and the payment. By regulation, the loan partner must show you an APR before you enter the loan.

States have regulations that restrict the APR that can be paid to you by a loan partner or partner. Rates can differ depending on the credit, the amount of the loan and what insurance is given, with the lowest rates offered to borrowers with excellent credit for bigger, insured loans. Minimum and maximum sums of the loan and the APR may differ according to state legislation and the lending of partners or associates. Please read the personal terms and conditions of the lending partner and partner in detail before continuing with a personal loan.

Typical Personal Loan Terms

Although the particular terms of personal loans can vary based on your jurisdiction, lender and your specific circumstances, a broad range of common terms is given below.

  • Loan amount: $2,000 – $15,000
  • Lending period: 6 months to 72 months
  • Payment frequency: Once a month or twice a month
  • APR: Will vary based on your credit score, repayment history and other factors
  • Prepayment penalty: None

Personal Loan Example

Amount Period APR Monthly Total Paid
$2,000 24 month 12% $94.15 $2,259.60
$2,000 24 month 24% $105.74 $2,537.76
$2,000 24 month 35.99% $118.09 $2,834.16

Office Location


Address: Attn: LeadDemand - 3200 E. Guasti Road, Suite 100 - Ontario, CA 91761

Contact Information


Email Support: support@essentialoan.com
Phone Support: Customer Service

Not a Lender Notice

We are not a lender. Instead, we partner with lenders that are willing to provide our audience with loan products. We have no control over rates, fees, and other terms and conditions. This is determined by your lender, based on a variety of factors. We never make loan offers and we don’t broker online loans. Also, we don’t make credit decisions. This website will submit the information provided by you to partner lenders. However, this does not guarantee that you will receive approval for any type of loan. The operator of this website is not a broker, agent, or representative of any lender.

Advertiser Disclosure

We have agreements with our lending partners that allow us to receive compensation when someone applies or gets endorsed for a loan, credit card, or any other type of financial product throughout our website. Even with this agreement in place, all of the provided information is accurate, to the best of our knowledge, and provided in a neutral manner. Compensation may impact the products we review and survey, as well as their position on our website. We strive to provide a comprehensive guide to our users, but realize that our website does not include every product from every financial institution.

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