A Guide To $255 Payday Loans Online Same Day At Any Age
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How to Apply for a Personal Loan
Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able make financial decisions with confidence. Although our site doesn't feature every company or financial product available on the market, we're proud of the advice we offer and the information we offer as well as the tools we design are independent, objective simple, and completely free. So how do we earn money? Our partners compensate us. This may influence which products we write about (and the way they appear on the site), but it doesn't affect our suggestions or recommendations, which are grounded in hundreds of hours of study. Our partners are not able to promise us favorable reviews of their products or services. .
How to Apply for a Personal Loan
To apply for a loan starts with checking your credit score and pre-qualifying to evaluate personal loan deals.
,
The last update was on January 19, 2023
A majority of the items featured on this page are provided by our partners who compensate us. This affects the products we review as well as the place and way the product is featured on a page. However, it does not affect our assessments. Our opinions are entirely our own. Here is a list of and .
How to apply for a personal loan Learn More
The application process for personal loan may feel overwhelming if you don't know how to start or what you need.
Below are five steps and frequently asked questions to guide you through the procedure of applying for and selecting the right one most suitable option for your financial needs.
Step 1: Review your credit report.
Begin by looking over your credit. The interest rate and loan amount you get depend upon your score on credit, therefore checking your credit report can help you spot and fix any mistakes -- such as a falsely reported late payment -- and improve your credit score prior to applying for personal loan.
What does my credit score impact my personal loan offers?
Good- or excellent-credit borrowers (those who have score of 690 or higher) generally receive lower interest rates, and also have a greater selection of lenders to choose from. On the other hand, bad- and fair-credit borrowers (scores of 300 - 689) may have fewer options and receive higher interest rates.
What can I do to check my credit score free of charge?
You can obtain a report through NerdWallet. You can also request free credit reports directly from the three major credit bureaus using .
Step 2: Qualify for a pre-qualification, and then compare the offers
It gives you an overview of estimated rates for monthly payments, terms and rates prior to submitting an application. Most lenders allow prospective customers to be pre-qualified through their websites. These include bank websites, lenders online, and credit unions, to determine the most suitable loan to suit your needs.
Check if you are pre-qualified for a personal loan -- without affecting your credit score.
Just answer a few questions to get personalized rates of our lenders.
Goal of loan Choose your option Debt Consolidation Medical Home Improvement Credit Card Consolidation Auto Motorbike Major Purchase Begin a Business Education IRS Tax Other Debt
The amount of the loan
Credit score Choose your choice Good Good Fair Poor
Employment status Select your option Full-time Part-time Self-employed unemployed military Retired Other
Find out if you're pre-qualified
Does pre-qualifying impact my credit rating?
The pre-qualification process for a personal loan requires a soft inquiry that doesn't impact the score of your credit.
What do I need to know in order to qualify for an individual loan?
To pre-qualify, you'll need to submit information such as:
The reason for the loan. It can be used for nearly everything. Most lenders will ask what you will use the money.
Requested loan amount. Lenders typically provide personal loans of between $1000 and $50,000.
Preferential loan term. Personal loans usually have monthly payments spread over two- to seven-year time frames.
Personal and financial information. This could include your email address, name as well as your date of birth, address, income and Social Security number.
If you're not able to qualify for an loan by yourself, consider a . Adding someone with a strong credit score and a higher income could help you get approved and lower the rate. But keep in mind that co-borrowers or co-signers will be held financially responsible in the event that you fail to pay the loan.
>> MORE:
How is the time it will take to pre-qualify?
Pre-qualification can take as long as only a few minutes after you've submitted your data. If you are eligible for a loan offer the lender will give you potential rates and terms that you can select from.
Step 3: Select your bank and loan
With offers from multiple lenders, it can be difficult to determine which loan to pick. Here are a few methods to evaluate various loan choices:
APR: This amount you pay for borrowing and includes your interest rate and all additional charges. The lower the APR, the lower price of the loan.
Loan term The loan term determines how long you will be paying off the loan. A longer loan term could make your monthly payments cheaper but you might be paying more in interest than a shorter-term loan.
Costs: A few lenders have additional fees that add to the price of a loan. Check if the loans come with the possibility of a penalty for prepayment if you want to pay the loan in a shorter time.
Monthly payments: Review the monthly payment and make sure that you can comfortably afford the loan in your budget.
Features and benefits : Identify features that are important for you, such as flexibility in payment choices, which can help to build credit, or direct payment to creditors if you're consolidating debt. Benefits such as monthly payment assistance for those who are unemployed could help ease the burden of difficult times.
>> MORE:
Individual loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be beneficial to consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including impact to credit score fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Achieve
Achieve
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 18.0-35.99%
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, including impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including the impact on credit scores fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores, rates and fees customers' experience, and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
Step 4: Gather loan documents
Once you've chosen the loan with the interest rate and terms that will best suit your needs then it's time to fill out the application.
What are the requirements to complete my loan application?
You'll have to supply some or all of the followinginformation:
Identification proof, such as an ID issued by the government, recent utility bill or lease agreement.
Proof of address.
Evidence of employment status.
Your education history which includes the most prestigious degree you've obtained and your graduation date.
Income details, including bank statements, pay stubs or pay stubs, and other income sources like the retirement fund, alimony, and child care.
Social Security number if it wasn't provided during pre-qualification.
If you have a co-borrower for your personal loan application, they'll have to provide similar documents to confirm their identity, address and information about their income.
Step 5: Submit your application and be funded
Carefully read the conditions of the loan, and then complete your application.
A loan agreement lays out the mutually agreed upon loan amount, interest rate and terms. It also authorizes the lender to check the accuracy of your personal information and to pull your credit report.
What do I affect my loan application affect my score on credit?
In the event that you submit the formal loan application results in cutting up to five points off of your rating. It will also be being at the top of your credit score for two years.
How is the time frame for my application to be considered?
If all goes well, you could get same-day approval. If the lender asks for additional documents, approval could take longer.
How do I get funded?
After you are accepted and have signed your loan agreement, how quickly you receive the money will likely depend on the lender you select. Many online lenders can provide the funds on the same day, while certain banks might be able to get the funds within five days or earlier.
>> MORE:
After you've received your funding and you're ready to make the primary loan repayment to come due in 30 days. If you've chosen to automate bank payments, the funds will be debited from the account in your bank that you have provided. Add your monthly payment to your budget .
About the authors: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade is the private loans in NerdWallet.
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Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able make financial decisions with confidence. Although our site doesn't feature every company or financial product available on the market, we're proud of the advice we offer and the information we offer as well as the tools we design are independent, objective simple, and completely free. So how do we earn money? Our partners compensate us. This may influence which products we write about (and the way they appear on the site), but it doesn't affect our suggestions or recommendations, which are grounded in hundreds of hours of study. Our partners are not able to promise us favorable reviews of their products or services. .
How to Apply for a Personal Loan
To apply for a loan starts with checking your credit score and pre-qualifying to evaluate personal loan deals.
,
The last update was on January 19, 2023
A majority of the items featured on this page are provided by our partners who compensate us. This affects the products we review as well as the place and way the product is featured on a page. However, it does not affect our assessments. Our opinions are entirely our own. Here is a list of and .
How to apply for a personal loan Learn More
The application process for personal loan may feel overwhelming if you don't know how to start or what you need.
Below are five steps and frequently asked questions to guide you through the procedure of applying for and selecting the right one most suitable option for your financial needs.
Step 1: Review your credit report.
Begin by looking over your credit. The interest rate and loan amount you get depend upon your score on credit, therefore checking your credit report can help you spot and fix any mistakes -- such as a falsely reported late payment -- and improve your credit score prior to applying for personal loan.
What does my credit score impact my personal loan offers?
Good- or excellent-credit borrowers (those who have score of 690 or higher) generally receive lower interest rates, and also have a greater selection of lenders to choose from. On the other hand, bad- and fair-credit borrowers (scores of 300 - 689) may have fewer options and receive higher interest rates.
What can I do to check my credit score free of charge?
You can obtain a report through NerdWallet. You can also request free credit reports directly from the three major credit bureaus using .
Step 2: Qualify for a pre-qualification, and then compare the offers
It gives you an overview of estimated rates for monthly payments, terms and rates prior to submitting an application. Most lenders allow prospective customers to be pre-qualified through their websites. These include bank websites, lenders online, and credit unions, to determine the most suitable loan to suit your needs.
Check if you are pre-qualified for a personal loan -- without affecting your credit score.
Just answer a few questions to get personalized rates of our lenders.
Goal of loan Choose your option Debt Consolidation Medical Home Improvement Credit Card Consolidation Auto Motorbike Major Purchase Begin a Business Education IRS Tax Other Debt
The amount of the loan
Credit score Choose your choice Good Good Fair Poor
Employment status Select your option Full-time Part-time Self-employed unemployed military Retired Other
Find out if you're pre-qualified
Does pre-qualifying impact my credit rating?
The pre-qualification process for a personal loan requires a soft inquiry that doesn't impact the score of your credit.
What do I need to know in order to qualify for an individual loan?
To pre-qualify, you'll need to submit information such as:
The reason for the loan. It can be used for nearly everything. Most lenders will ask what you will use the money.
Requested loan amount. Lenders typically provide personal loans of between $1000 and $50,000.
Preferential loan term. Personal loans usually have monthly payments spread over two- to seven-year time frames.
Personal and financial information. This could include your email address, name as well as your date of birth, address, income and Social Security number.
If you're not able to qualify for an loan by yourself, consider a . Adding someone with a strong credit score and a higher income could help you get approved and lower the rate. But keep in mind that co-borrowers or co-signers will be held financially responsible in the event that you fail to pay the loan.
>> MORE:
How is the time it will take to pre-qualify?
Pre-qualification can take as long as only a few minutes after you've submitted your data. If you are eligible for a loan offer the lender will give you potential rates and terms that you can select from.
Step 3: Select your bank and loan
With offers from multiple lenders, it can be difficult to determine which loan to pick. Here are a few methods to evaluate various loan choices:
APR: This amount you pay for borrowing and includes your interest rate and all additional charges. The lower the APR, the lower price of the loan.
Loan term The loan term determines how long you will be paying off the loan. A longer loan term could make your monthly payments cheaper but you might be paying more in interest than a shorter-term loan.
Costs: A few lenders have additional fees that add to the price of a loan. Check if the loans come with the possibility of a penalty for prepayment if you want to pay the loan in a shorter time.
Monthly payments: Review the monthly payment and make sure that you can comfortably afford the loan in your budget.
Features and benefits : Identify features that are important for you, such as flexibility in payment choices, which can help to build credit, or direct payment to creditors if you're consolidating debt. Benefits such as monthly payment assistance for those who are unemployed could help ease the burden of difficult times.
>> MORE:
Individual loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be beneficial to consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including impact to credit score fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Achieve
Achieve
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 18.0-35.99%
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, including impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including the impact on credit scores fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores, rates and fees customers' experience, and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
Step 4: Gather loan documents
Once you've chosen the loan with the interest rate and terms that will best suit your needs then it's time to fill out the application.
What are the requirements to complete my loan application?
You'll have to supply some or all of the followinginformation:
Identification proof, such as an ID issued by the government, recent utility bill or lease agreement.
Proof of address.
Evidence of employment status.
Your education history which includes the most prestigious degree you've obtained and your graduation date.
Income details, including bank statements, pay stubs or pay stubs, and other income sources like the retirement fund, alimony, and child care.
Social Security number if it wasn't provided during pre-qualification.
If you have a co-borrower for your personal loan application, they'll have to provide similar documents to confirm their identity, address and information about their income.
Step 5: Submit your application and be funded
Carefully read the conditions of the loan, and then complete your application.
A loan agreement lays out the mutually agreed upon loan amount, interest rate and terms. It also authorizes the lender to check the accuracy of your personal information and to pull your credit report.
What do I affect my loan application affect my score on credit?
In the event that you submit the formal loan application results in cutting up to five points off of your rating. It will also be being at the top of your credit score for two years.
How is the time frame for my application to be considered?
If all goes well, you could get same-day approval. If the lender asks for additional documents, approval could take longer.
How do I get funded?
After you are accepted and have signed your loan agreement, how quickly you receive the money will likely depend on the lender you select. Many online lenders can provide the funds on the same day, while certain banks might be able to get the funds within five days or earlier.
>> MORE:
After you've received your funding and you're ready to make the primary loan repayment to come due in 30 days. If you've chosen to automate bank payments, the funds will be debited from the account in your bank that you have provided. Add your monthly payment to your budget .
About the authors: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade is the private loans in NerdWallet.
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