in Personal Loans from iLoan

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in Personal Loans from iLoan

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Community Rating Mostly recommended
Loan Amount $2,550 - $25,000
APR 11.24% - 36%
Loan Term (Months) 24 - 60


Where does iLoan do business?

iLoan is a direct lender based in Saint Paul, MN. Founded in 1920, iLoan offers access to personal loans in 14 states across the USA.

What rates and terms does iLoan offer?

iLoan has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does iLoan offer?

iLoan offers a fixed APR personal loan product that ranges from 11.24% APR up to 36% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via iLoan?

Loan amounts start at $2,550 and go up to $25,000.

What can a personal loan from iLoan be used for?

Personal loans from iLoan are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

What is the maximum loan term you can get with iLoan?

iLoan offers personal loans with terms ranging from 24 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

iLoan Rates & Terms
Loan Amount $2550 - $25000
Loan Term 24 - 60 months
APR 11.24% - 36%

What fees does iLoan charge?

Does iLoan charge an origination fee?

iLoan charges a loan origination fee of 0% to 5% of the loan amount. iLoan deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.

Does iLoan charge a late fee?

Yes, iLoan may charge borrowers a late payment fee

Does iLoan charge prepayment fees?

No, iLoan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

iLoan Fees
Origination Fee 0% - 5%
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with iLoan?

Applicants with a credit score of at least 540 can apply for a loan via iLoan . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via iLoan. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs
iLoan Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Joint Applications Accepted? Yes
Credit Score 540 - 640

What is the estimated funding time for a personal loan via iLoan?

iLoan will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.

ILOAN Disclosure: Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral in certain states. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. CA minimum loan amount is $3,000. GA minimum loan amount is $3,100. CA: Loans made pursuant to a California Department of Business Oversight Finance Lenders License. Loans through the iLoan website are made and serviced by OneMain Consumer Loan, Inc., a Delaware corporation.
SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  •   2324 University Ave W Ste 202
    Saint Paul, MN 55114 USA
  •   Visit Site

Message from iLoan

A straightforward lending process, reinvented for you.

About iLoan


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 14 states
  • Alabama
  • California
  • Delaware
  • Idaho
  • Illinois
  • Missouri
  • Nevada
  • New Mexico
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • Utah
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Origination Fee 0% - 5%
Minimum Age 18
Credit Score Range 540 - 640
Immigration Status Considered
  • U.S. Permanent Resident
Bank Account Required  
Military Status
  • Active Duty Military
  • Non-Military
Joint Loan Applications Accepted
  • Individual Applications
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $2.55K - $25K
Loan Term (Months) 24 - 60
APR (Fixed APR) 11.24% - 36%



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