Personal Loans for Any Purpose

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Loan APR rates range from 5.99% to 35.99% maximum APR and the loan repayment period is 90 days up to 72 month maximum for qualified consumers.

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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.

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.

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.

Top Rated Lenders

Whether you’re looking to repair your home, pay for a wedding, or consolidate credit card debt, these top-related lenders are willing to provide you with direction. Each lender in our network has been reviewed for quality, reputation, and reliability. Choose a partner that matches your credit history and score, complete their form, and wait for a loan decision. From there, you can decide which lender is best for you.

Rates & APR


APR & Loan Duration

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. The APR will be set by your lender and you will be notified of the final number before accepting the loan terms. Annual percentage rates can vary based on both: 1) the information that you supply in your initial loan request, and 2) the information that your lender supplies to you.

Representative Examples

If you borrowed $1,500 over a 18 month period and the loan had a 3% origination fee ($45), your monthly repayments would be $100.05, with a total payback amount of $1,800.93 which including the 3% fee paid from the loan amount, would have a total cost of $255.93. Representative 19.99% APR.

If you borrowed $5,000 over a 38 month period and the loan had an 6% origination fee ($300), your monthly repayments would be $182.74, with a total payback amount of $6,944.12 which including the 6% fee paid from the loan amount, would have a total cost of $1,644.12. Representative 17.53% APR.

Example APR : Total Loan Costs & All Applicable Fees

Loan Amount

Interest Rate

Loan Term

Fee %

Fee Cost

Monthly Payment

APR Rate

Total Repayments

Total Cost

$1,000 24.00%

12 months

3.00% $30 $94.56 29.82% $1,134.72 $164.72
$2,000 19.00

24 months

5.00% $30 $100.82 24.12% $2,419.68 $519.68
$5,000 13.00%

48 months

8.00% $400.00 $131.67 18.23% $6,320.12 $1,720.12
$10,000 7.90%

60 months

10.00% $1000.00 $202.28 9.20% $12,136.80 $3,136.80

Typical Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

  • Loan amount: $300 – $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

Annual Percentage Rate (APR)

The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lending partner and partner must show you the APR before you enter into the loan.

States have laws limiting the APR that the lending partner or partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lending partner or partners. We recommend you read the lending partner’s and partner’s personal terms and conditions in full before proceeding for a personal loan.

APR Disclosure

The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lending partner and partner must show you the APR before you enter into the loan. States have laws limiting the APR that the lending partner or partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lending partner or partners. We recommend you read the lending partner's and partner's personal terms and conditions in full before proceeding for a personal loan.

How a Personal Loan can Help You.

From a large medical bill to a car repair, you never know when an emergency will hit close to home. Just the same, there are times when you need an influx of cash to take on a home improvement project or to make a purchase.

Our process is designed with the consumer in mind, as it’s our goal for you to move forward in a fast and efficient manner. With access to our network of lending partners, you may be able to secure a loan of up to $100,000. Even better, you may be able to receive your funds within one business day (selected lenders).

Important Information

We are not a lender, but instead have partnerships with a variety of lenders. Upon submitting a request on our website, we’ll do our part in connecting you with the best lender (or lenders) in our partner network.

Not a Lender Notice

We do not have any control over loan fees and interest rate. This is determined by your provider, based on a variety of factors. We are not a lender, we never make a loan offer, and we don’t broker online loans. The operator of this website is not a lender, does not broker loans to lenders and does make personal loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a personal loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

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

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