Did you know that roughly 55 million Americans have no emergency savings? So, if they find themselves facing a financial emergency, such as the need for a medical procedure, they don’t know where to turn for funds. With a cash loan, you can get your hands on the money needed to solve your problem. We help you compare cash loan lenders, thus allowing you to secure the perfect product for your emergency.

LifeLoans

Loan Amount : $100 - $40,000

Process Within 2 Minutes!
  • APR : 5.99% - 35.99%
  • Loan Term : 3-60 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply

LifeLoans

Loan Amount : $100 - $40,000

Process Within 2 Minutes!
  • APR : 5.99% - 35.99%
  • Loan Term : 3-60 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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Experian® Personal Loans Match

Loan Amount : $500 - $100,000

Let us match you to personalized loans offers
  • APR : 5.40% - 35.99%
  • Loan Term : 90 days to 84 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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Lending For Bad Credit

Loan Amount : $100 - $40,000

Get Funds as soon as the Next Business Day
  • APR : 5.99% - 35.99%
  • Loan Term : 12-24 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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Dave

Loan Amount : $500 - $100,000

Get up to $500 instantly (1) with ExtraCash™ from Dave
  • APR : See Terms
  • Loan Term : See Terms
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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Personal Loans 365

Loan Amount : $100 - $40,000

A fast and easy way to find a loan
  • APR : 5.99% - 35.99%
  • Loan Term : 3-60 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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Klover

Loan Amount : $50 - $200

Pocket your cash in minutes –– get up to $200
  • APR : See Terms
  • Loan Term : See Terms
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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100Lenders

Loan Amount : $100 - $40,000

Fast Approval Decision
  • APR : 5.99% - 35.99%
  • Loan Term : 12-24 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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5KFunds

Loan Amount : $100 - $35,000

Deposited Directly into your Bank Account
  • APR : 5.99% - 35.99%
  • Loan Term : 90 days to 72 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply
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LoansUnder36

Loan Amount : $500 - $35,000

Quick Decision - Conveniently Online
  • APR : 5.99% - 35.99%
  • Loan Term : 90 days to 72 months
  • Credit Needed : Poor to Excellent
  • Updated For : Fri 01 Dec, 2023
Terms and Conditions Apply

Additional Resources

How to Get a Car Loan with Bad Credit

Bad credit will affect your finances in many ways, but that doesn’t mean you’ll never qualify for a loan. For example, the right approach will allow you to secure a car loan even if you have less than desirable credit. If you find yourself in this position, here are three things you can do: 1. …
Continue reading

What to do if Your Car Loan Application is Denied

Are you in the market for a new car? Have you come to the conclusion that you need to secure a car loan in order to complete the transaction? This sounds simple enough, and it can be if you have good or excellent credit. However, there’s no guarantee that your car loan application will be …
Continue reading

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 …
Continue reading

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