Whether you’re looking for help with rent, need to pay bills, settle an unforeseen household expense, or would like to consolidate credit card debt, these top-related lending partners are here to help. Each lender in our network has been reviewed for quality, reputation, and reliability. Choose a partner that matches your credit history, complete their simple form, and get a quick loan decision. Finally, decide which lending option is best for you. Let’s get started below.

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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 : Mon 19 Feb, 2024
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 : Mon 19 Feb, 2024
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 : Mon 19 Feb, 2024
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 : Mon 19 Feb, 2024
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 : Mon 19 Feb, 2024
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 : Mon 19 Feb, 2024
Terms and Conditions Apply
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Opportunity Loans

Loan Amount : $100 - $40,000

A smart way to find your loan!
  • APR : 5.99% - 35.99%
  • Loan Term : 3-60 months
  • Credit Needed : Poor to Excellent
  • Updated For : Mon 19 Feb, 2024
Terms and Conditions Apply
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myAutoloan

Loan Amount : $5,000 - $199,999

You get up to 4 Offers
  • APR : Rates as low as 5.39%
  • Loan Term : 24 to 84 months
  • Credit Needed : Poor to Excellent
  • Updated For : Mon 19 Feb, 2024
Terms and Conditions Apply
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Pick A Lender

Loan Amount : $100 - $40,000

Request a loan now, regardless of your credit score.
  • APR : 5.99% - 35.99%
  • Loan Term : 3-60 months
  • Credit Needed : Poor to Excellent
  • Updated For : Mon 19 Feb, 2024
Terms and Conditions Apply

Additional Resources

Comparing Personal Loan vs. Personal Line of Credit

When it comes to financing options, personal loans and personal lines of credit are two popular choices for individuals seeking to borrow money. Both options have their advantages and disadvantages, and understanding the differences between them is essential in making the right decision. This article aims to provide an overview of personal loans and personal …
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10 Ways to Save Money on Everyday Expenses

Saving money on everyday expenses is a critical part of managing your finances. It's important to take a look at your spending habits and find ways to cut back on expenses without sacrificing the things that matter most to you.  Here is a list of 10 everyday expenses and guidance on how you can save …
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5 Lesser Known Things That Impact Your Credit Score

Possessing a good credit score can bring many exciting opportunities for your life! However, without the right knowledge, that score can go downhill rather quickly. Things you are not aware of could affect your score and may make all the difference when you make a large purchase. Pay Every Bill On Time It may seem …
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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