I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

If you need a large lump sum deposited into your checking account quickly, then PersonalLoans is the resource you have been anticipating. There are no restrictions as to how funding needs to be used, and the flexibility in terms makes this resource extremely attractive. logo

Our Partner

Personal Loans


  • Up to $35,000 loans
  • Free service to use
  • Fast funding process
  • Loans for any occasions
Overall Rating

Most Competitive Loan Rates

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Pros & Cons


  • Expedient funding, typically within a business day
  • No restrictions on how the loan is to be used
  • Entire process can be done online and in minutes
  • It is a free service


  • Not a direct lender
  • Multiple lenders does not guarantee loan approval

With interest rates at an all-time low, wouldn’t it be perfect to complete that home improvement project finally? Or how convenient would it be to consolidate that mountain of credit card debt you have been struggling with? 

Finding the best lender with the most competitive rates has never been faster or easier to accomplish! uses an algorithm to match borrowers with the best option of lenders based on personalized pre-qualifications. 

Once pre-qualified, you can borrow a lump sum ranging from $1,000 to $35,000, depending on your financial needs.  These loans are unsecured.

This means collateral isn’t required to secure the loan. Payment terms can range from one to seven years, and the terms vary from lender to lender. 

With PersonalLoans, taking back control of your finances has never been easier! Keep reading for a full review. icon

Quick Summary

Estimated APR: 5.99% to 35.99%

Loan Amount: Up to $35,000

Min. Credit Score: 580

About is an online marketplace founded in 2001 that connects consumers with lenders, offering them competitive rates according to their financial needs and credit profile. 

It’s one of the oldest platforms to offer a comprehensive directory of third-party lending partners. They are the OG’s of online lending partner marketplaces. 

Their website offers a comprehensive knowledge resource area for borrowers wanting to learn more about the lending process. They lead the pack in their streamlined, automated, simplistic user interface, creating one of the most expedient and convenient platforms.

The website is an easy resource for potential borrowers to compare lenders through a third-party network for the most viable funding options. Lending partners within the network compete for business, resulting in the most advantageous rates for qualified borrowers. 

Should borrowers have difficulty finding lenders within the network, will send a request to third-party lending partners outside of the network. 

This is a free service provided by and doesn’t affect your credit score to explore multiple lenders. Personal Loans are not direct lenders.

They partner with the industry’s most reputable lenders to connect borrowers who need their services most.

Personal Loans Services

Personal Loans offer three types of personal loans: personal installment, peer-to-peer, and bank loans.

Personal Installment Loans

Personal installment loans provide you with personalized loan agreements to the borrower’s individual financial needs. These loans vary from state to state, and borrowers should perform their due diligence when applying.

The minimum credit score required is 580.

Peer-to-Peer Loans

Peer-to-peer (P2P) are loans where borrowers work directly with a person or a company. The minimum credit score required is 600. A bank does not facilitate this type of loan; the deal is brokered on 

Many borrowers prefer P2P loans due to lower rates. The origination fee can be as low as 1% or as high as 5%. These rates are attractive to borrowers.

Bank Personal Loans

Bank personal loans are loans that a local bank facilitates. These services can be performed in person or online, and the minimum credit score is 580 to apply. 

The ability to offer the services of local banks means borrowers may have access to local credit unions and other financial services that may benefit their needs.

How to Qualify for a Loan

The minimum qualifications to qualify for PersonalLoans are:

  • 18 years of age
  • Have a valid Social Security Number
  • US Citizen or Permanent Resident 
  • Must have a bank account for direct deposit funding
  • Credit score minimum of 580
  • The income minimum requirements requested based upon loan

PersonalLoans requests you complete the simplified loan request form on their website. The information will be electronically submitted to the lenders within the network and, in some cases, other third-party lenders to offer the most competitive, personalized, pre-qualified offers.

If approved, you will be invited to complete an application and loan agreement.  Once you review that all the terms and repayment conditions are to your liking, you may accept the offer.

Funds are deposited to the bank account provided in one to five business days. This varies from lender to lender, as well as the terms you agreed to in the loan agreement. 

It’s essential to perform due diligence when agreeing to repayment terms, rates, and other aspects of the loan before accepting. 

Because PersonalLoans provides bad debt loans to borrowers with borderline credit scores or poor credit ratings, rates and repayment terms are subject to be higher. They also vary from state to state.

Who is Best For? is best for anyone 18 years of age or older who needs the flexibility of a large lump sum without the hassle of hard credit checks or up-front collateral. 

These loans are especially beneficial for people with borderline credit scores and poor credit ratings. The minimum score to qualify is 580, and funds can be available in one to five business days. 

PersonalLoans is dedicated to matching as many applicants as possible for successful funding based upon their credit score profiles. Whether you need a fresh start in life or want to fund your entrepreneurial dream, PersonalLoans suits everyone.

Loans can be used for debt consolidation, medical emergencies, financial emergencies, family vacations, or for whatever you deem necessary for your lifestyle.

There is no restriction on what funding can be used for. PersonalLoans also offers some of the industry’s most flexible terms.

Should I Get a Loan With

Many competitors obligate their borrowers to short repayment plans, inflexible loan amount maximums, and impossible agreements. gets it right every time, making the funding process as convenient and flexible as possible for its borrowers. This can be the loan that furnishes your first apartment for younger people, or it can be the lump sum to help get you back on track financially.

From planning that dream vacation or finally consolidating debt to make it more manageable, PersonalLoans gives you the options and resources to take back your financial freedom. Visit their website to get started today!

Compare to Other Lenders

Sofi logo
  • Loan Amount: Up to $100,000
  • APRs: 5.74% -20.28%
  • Min. Credit Score: 680
Credible logo
  • Loan Amount: Up to $100,000
  • APRs: 2.49%-35.99%
  • Min. Credit Score: 620
Upstart logo
  • Loan Amount: Up to $50,000
  • APRs: 6.95% - 35.99%
  • Min. Credit Score: 580 FAQ’s 

If you’re still on the fence about using this website to get a loan, check out these commonly asked questions.

Is a legitimate loan company? is a member of the Online Lenders Alliance. They are committed to quality financial practice. 

The Online Lenders Alliance enforces standards that require members to give their consumers accurate information and advertising. It also holds its third-party affiliates to a higher standard in practicing integrity.

 PersonalLoans also features a top not customer support team. The quality of their service speaks for itself, with a rating of 4.6/5 stars. Customer service is available 12 hours a day, Monday through Friday.

How long does it take PersonalLoans to fund a personal loan?

Once approved, funding can typically be received in one business day. The availability of funds can vary from lender to lender and can range from one to seven business days.

What is the minimum credit score to qualify with

PersonalLoans is dedicated to striving to provide the highest quality service to borrowers with credit scores as low as 580.

However, credit profiles this low restrict the amount of lender results to pre-qualify borrowers. They are also subject to higher rates. 

What interest rates can I expect to pay on a personal loan?

Loans offered by the lending partners at PersonalLoans range from a minimum APR of 5.99% and a maximum rate of 35.99%.

Please keep in mind loan rates vary based upon the loan amount, credit scores, etc., terms, agreement, and other factors determined by the lender. provides an easy and convenient way for consumers to be connected with a personal loan through our network of lenders and the other third-party lender networks we use. icon

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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