2022 : Top Rated Personal Loans

Get $500 to $50,000 from these Trusted Lending Partners

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Whether you’re looking to pay late bills, would like access to emergency cash, or need urgent funds to help with the rent, these top-rated lending partners are here to help. Each lending partner has been reviewed for quality and transparency. There are no hidden fees and there is no obligation. Many lending partners provide quick loan decisions in a matter of minutes. Get started below.

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Lending For Bad Credit

Loan Amount : up to $40,000

    blank Get Funds as soon as the Next Business Day
  • APR : 5.99% - 35.99%
  • Loan Term : 12-24 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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5KFunds

Loan Amount : $100 to $35,000

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  • APR : 5.99% - 35.99%
  • Loan Term : 3 to 72 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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NextDayPersonalLoan

Loan Amount : up to $40,000

    Request a Loan under 2 Minutes!
  • APR : 6% to 35.99%
  • Loan Term : 3-180 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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LoansUnder36

Loan Amount : $500 to $35,000

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  • APR : 5.99% - 35.99%
  • Loan Term : 3 to 72 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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CashUSA.com

Loan Amount : up to $10,000

    Only Takes Minutes to Complete
  • APR : 5.99% to 35.99%
  • Loan Term : 3-72 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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BadCreditLoans.com

Loan Amount : up to $10,000

    See if you qualify for a loan between $500 to $10,000
  • APR : From 5.99% to 35.99%
  • Loan Term : 3-36 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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PersonalLoans.com

Loan Amount : up to $35,000

    Quick Online Process
  • APR : 5.99% to 35.99%
  • Loan Term : 3-72 months
  • Credit Score : Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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Zippy Loan

Loan Amount : up to $15,000

    blank Money As Soon As Tomorrow!
  • APR : 12% to 35.99%
  • Loan Term : 6 to 72 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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Personal Loans 365

Loan Amount : $100 to $40,000

    blank A fast and easy way to find a loan
  • APR : 5.99% - 35.99%
  • Loan Term : 3-60 months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply
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Auto Credit Express®

Loan Amount : up to $45,000

    blank Get Approved Today!
  • APR : 4.99% - 35.99%
  • Loan Term : 36-60 Months
  • Credit Score : Bad/Fair/Good/Excellent
  • Updated for : Tue 27 Sep 2022
Terms and conditions apply

Personal Loan – 5 Traps and Mishaps to Avoid

5 Personal Loan Traps and Mishaps to Avoid There are many ways to use a personal loan, ranging from debt consolidation to tackling a large home renovation project. While there are several benefits of this type of loan, there are also a variety of traps and mishaps that could get in your way. Here are five to watch out for: 1. Biting Off More Than You Can Chew As tempting as it may be to borrow as much money as you qualify for, you don’t want to make this mistake. Instead, know what you need and stick to this number.

How to Get an Unsecured Personal Loan

How to Get an Unsecured Personal Loan If you have the desire to get an unsecured personal loan, it’s important to understand how the process works and what to expect along the way. The word “unsecured” means you aren’t required to put up any collateral in exchange for receiving funds. This is in contrast to a secured loan in which your home, car, or another valuable asset acts as collateral. A personal loan is money borrowed from a financial institution, such as a bank or credit union, which is paid back via fixed payments over the course of several years.

What is a Personal Loan?

A personal loan is simple to understand : it is a term loan that is repaid over a specific period of time, such as five years. Via our website, you can locate a lender that lends from $1,000 to $100,000. Your eligibility is based on factors such as your credit rating score, credit rating history, and laws in your state of residence.

There are both secured and unsecured loans, with every lender providing a unique set of terms and conditions. We don’t act as a lender, but do our best to connect you with a loan provider that suits your every need.

A rapid funded loan could come at a no better time when you need to pay a past due utility bill, have a personal emergency, or just need some fast funding to help you get through the rest of the week. These lending partners work with all credit scores, and are able to provide speedy-fast funding. Submit your online form now with confidence. It's free to get started and there is no obligation!

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 funds 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).

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@persaloan.com Phone: Customer Service

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