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PersonalLoans.com

in Personal Loans from Direct Ad Sales

Claimed Visit Site Get Personalized Rates

PersonalLoans.com

Claimed

in Personal Loans from Direct Ad Sales

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Highlights
APR  (Fixed APR) 5.99% - 35.89%
Loan Amount $1,000 - $35,000
Loan Term (Months) 2 - 72 months

PersonalLoans.com Review

PersonalLoans.com is offered by Direct Ad Sales, a marketplace lending platform founded in and based in , . PersonalLoans.com is available in 50 states (and Washington, DC).

Key Takeaways
  • APRs starting at 5.99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for PersonalLoans.com are on the lower end of the spectrum.
  • Fast access to funds. In some cases you can get your money within 1 business day.
  • Hard credit pull required. You can't check your rates or see if you prequalify for PersonalLoans.com without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your PersonalLoans.com early.
  • Short loan terms. PersonalLoans.com offers loan terms as short as 2 months. Most personal loans have a minimum term of 12 to 36 months.
  • Super long loan terms. PersonalLoans.com offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
PersonalLoans.com Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • Funding available within business day.
  • APRs as high as 35.89%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • PersonalLoans.com does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee.
PersonalLoans.com FAQ

What interest rates and personal loan terms does PersonalLoans.com offer?

PersonalLoans.com has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does PersonalLoans.com offer?

PersonalLoans.com offers a fixed APR personal loan product that ranges from 5.99% APR up to 35.89% APR.

How much can you borrow via PersonalLoans.com?

Business loan amounts start at $1,000 and go up to $35,000.

What is the maximum loan term you can get with PersonalLoans.com?

PersonalLoans.com offers loans with terms of up to 72 months.

PersonalLoans.com Interest Rates & Loan Terms
Personal Loan Amount $1000 - $35000
Loan Term 2 - 72 months
APR 5.99% - 35.89%

What fees does PersonalLoans.com charge?

Does PersonalLoans.com charge an origination fee?

PersonalLoans.com may charge a personal loan origination fee.

Does PersonalLoans.com charge a late fee?

Yes, PersonalLoans.com may charge borrowers a late payment fee if you miss one of the monthly payments.

Does PersonalLoans.com charge prepayment fees?

Yes, PersonalLoans.com may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.

PersonalLoans.com Fees
Origination Fee No
Prepayment Fee Yes
Late Payment Fee No

What do you need to qualify for PersonalLoans.com?

PersonalLoans.com does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

PersonalLoans.com does not have or does not disclose a minimum annual income eligibility requirement. PersonalLoans.com will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via PersonalLoans.com. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by PersonalLoans.com. Permanent resident / green card holders are also eligible to apply.

PersonalLoans.com Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score N/A

    What is the estimated funding time for a personal loan via PersonalLoans.com?

    PersonalLoans.com will typically provide a credit approval decision in less than an hour and fund the loan within business day.

    SuperMoney Disclosure: SuperMoney.com 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...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Contact

    Hours of Operation

    • Sunday All Day
    • Monday All Day
    • Tuesday All Day
    • Wednesday All Day
    • Thursday All Day
    • Friday All Day
    • Saturday All Day

    About PersonalLoans.com

    Availability

      Available in 50 states and Washington, D.C.
    • Alaska
    • Alabama
    • Arkansas
    • Arizona
    • California
    • Colorado
    • Connecticut
    • Washington, DC
    • 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

    Feature Breakdown

    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    • Tax Returns
    Loan Amount $1,000 - $35,000
    APR (Fixed APR) 5.99% - 35.89%
    Loan Term 2 - 72 months

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