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 : Sat 24 Sep, 2022
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 : Sat 24 Sep, 2022
Terms and Conditions Apply
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NextDayPersonalLoan.com

Loan Amount : $100 - $40,000

Request a Loan under 2 Minutes!
  • APR : 6% to 35.99%
  • Loan Term : 90 days to 180 months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
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 : Sat 24 Sep, 2022
Terms and Conditions Apply
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CashUSA.com

Loan Amount : $500 - $10,000

Only Takes Minutes to Complete
  • APR : 5.99% to 35.99%
  • Loan Term : 90 days to 72 months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
Terms and Conditions Apply
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Bad Credit Loans

Loan Amount : $500 - $10,000

See if you qualify for a loan between $500 to $10,000
  • APR : From 5.99% to 35.99%
  • Loan Term : 90 days to 36 months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
Terms and Conditions Apply
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Red Arrow Loans

Loan Amount : $100 - $35,000

How much do you need?
  • APR : 5.99% - 35.99%
  • Loan Term : 90 days to 72 months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
Terms and Conditions Apply
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ZippyLoan.com

Loan Amount : $100 - $15,000

Money As Soon As Tomorrow!
  • APR : 12% to 35.99%
  • Loan Term : 6 months to 72 months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
Terms and Conditions Apply
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PersonalLoans.com

Loan Amount : $500 - $35,000

An opportunity to build and access credit
  • APR : 5.99% to 35.99%
  • Loan Term : 3-72 months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
Terms and Conditions Apply
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Auto Credit Express®

Loan Amount : $3,000 - $45,000

  • APR : 4.99% - 35.99%
  • Loan Term : 36-60 Months
  • Credit Needed : Poor to Excellent
  • Updated For : Sat 24 Sep, 2022
Terms and Conditions Apply

Additional Resources

Partner Spotlight : BadCreditLoans.com

While you never want to learn that you have bad credit, this is reality for millions of people. Despite the fact that this effects how you shop for and compare loans, it doesn’t disqualify you from borrowing money. And that’s because services such as BadCreditLoans.com is willing to step in and provide assistance. Get Started …
Continue reading

Credit Card Mistakes That Will Kill Your Credit Score

A credit card is a big responsibility. Use it the right way and it can benefit you. But use it the wrong way and it can soon take a toll on your financial well-being. One of the biggest concerns among credit card users is making a mistake that will harm their credit score. For this …
Continue reading

Credit Score Got You Down? Here’s How to Bring it up.

Credit.  Everyone needs it, not everyone wants it, and when you need it most, it is hardest to come by.  Building a positive credit rating takes time and careful management, and cannot be done overnight.  There are several ways to build it, and depending on what stage you are in of your life or career, …
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

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