A college degree can cost as much as $100,000. If you’re buried in student loan debt, it’s critical for you to take steps that put you on the right track to success. And when applying for student loans, you should focus on details such as the term, interest rate, and when the first payment is due. We have many student loan lenders in our network, all of which are willing to help you out.


Credible® – Student Loans

Loan Amount : $1,000 - $100,000

Free to Use, No Hidden Fees
  • APR : 1.80%-9.99% APR
  • Loan Term : 24 - 48 months
  • Credit Needed : Fair to Excellent
  • Updated For : Sat 04 Dec, 2021
Terms and Conditions Apply


Loan Amount : $1,000 - $50,000

Review Multiple Loan Options
  • APR : 5.94%-35.97% APR
  • Loan Term : 36-60 months
  • Credit Needed : Fair to Excellent
  • Updated For : Sat 04 Dec, 2021
Terms and Conditions Apply

Additional Resources

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Has the time come to search for a mortgage? Are you anxious to get the right loan in place, but concerned that you could make a mistake that costs you money in the long run? Many people find themselves in this position. While it’s stressful to search for and secure a mortgage, it’s something you …
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Is 2021 the Year to Buy Your First Home?

With so much happening in the world today, it’s natural to be safe in regards to your finances. However, if you’re interested in buying your first home, 2021 may be the right time to take action. Before you begin your search, review your finances to ensure that you can comfortable afford to move forward with …
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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