Online Lending Network
PopularBest for: good credit profiles
- Funds as soon as next business day
- No prepayment penalty
- Fixed monthly payments
Rate
7.99% – 24.99% APR
Amount
$1,000 – $50,000
Term
24 – 60 months
Checking rates is free
Loan category
Personal Loan Application Support
Typical range: $500 – $50,000
Personal loans are unsecured installment loans typically used for consolidating debt, covering emergency expenses, funding home projects, or handling major life events. FinanceScoreAI provides independent, U.S.-based application support so you can review eligibility and complete your request confidently — without impact to your credit score at the initial review stage.
Free · No credit impact at review · SSL secured
Eligibility overview
- U.S. resident aged 18 or older
- Verifiable source of monthly income
- Active checking account in your name
- Valid government-issued ID and Social Security Number
- Working phone number and email address
Benefits
- Fixed monthly payments with predictable terms
- Funds can be used for nearly any personal purpose
- No collateral required for unsecured personal loans
- Terms typically 12–60 months
- Fully online application — no branch visits required
Things to consider
- Interest rates and APRs vary by lender and your credit profile
- Origination fees may apply depending on the provider
- Missed or late payments may negatively affect your credit
- Only borrow what you can comfortably repay within the loan term
Compare lender types
Example offers for personal loans
Illustrative examples of the lender types available in this category. Actual rates and terms are set by third-party providers and may vary.
Credit Union Partner
Lowest rate rangeBest for: excellent credit profiles
- Member-focused pricing
- Flexible payment dates
- Local U.S. service teams
Rate
6.49% – 17.99% APR
Amount
$500 – $35,000
Term
12 – 60 months
Checking rates is free
Fair Credit Specialist
Best for: fair credit profiles
- Considers thin credit files
- Soft-check pre-review
- Reports payments to bureaus
Rate
18.99% – 35.99% APR
Amount
$1,000 – $15,000
Term
12 – 48 months
Checking rates is free
Non-Prime Installment Provider
Best for: poor credit profiles
- Income-based review
- Small starting amounts
- Credit-building reporting
Rate
24.99% – 35.99% APR
Amount
$500 – $10,000
Term
6 – 36 months
Checking rates is free
Frequently asked questions
About personal loans
Ready to check your eligibility?
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By state
Browse Personal Loans by State
Lending rules, licensing, and typical borrowing costs differ from state to state. Choose your state for local regulator details, eligibility context, and answers to common questions.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming