PersonalLoans.com Reviews (2023)

Highlights
APR (Fixed APR)	5.99% - 35.89% (Verified 01/11/2023)
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 are 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. If approved, you can sometimes get your money within 1 business day*.
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 have loan terms as short as 2 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 1 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?

Personal 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?

No, PersonalLoans.com will not charge you a late fee if you miss one of the monthly payments.

Does PersonalLoans.com charge prepayment fees?

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

PersonalLoans.com Fees
Origination Fee	No
Prepayment Fee	N/A
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 and permanent resident / green card holders are eligible to apply for the services offered by PersonalLoans.com.

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.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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

View Direct Ad Sales Profile

Availability

Available in 50 states and Washington, D.C.

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
Washington, DC
West Virginia
Wisconsin
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

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