6 Ways A $255 Payday Loans Online Same Day Lies To You Everyday
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How do you apply for Personal loans
Advertiser disclosure You're our first priority. Every time. We believe that every person should be able to make sound financial decisions without hesitation. While our website does not include every company or financial product available in the marketplace, we're proud of the advice we offer, the information we provide and the tools we develop are impartial, independent simple, and completely free. So how do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on the site) However, it doesn't affect our advice or suggestions that are based on thousands of hours of study. Our partners are not able to be paid to ensure positive review of their services or products. .
How do you apply for a Personal Loan
Applying for a loan begins with a thorough check of your credit and preparing to compare personal loan offers.
,
Last updated on Jan 19 2023.
The majority or all of the products featured here come from our partners, who pay us. This influences which products we review as well as the place and way the product is featured on the page. But, it doesn't influence our opinions. Our opinions are entirely our own. Here's a list of and .
How to apply to get a personal loan Show More
The application process for a personal loan may feel overwhelming if you don't know how to start or what you'll require.
Here are five steps and common questions to help you with the procedure of applying for and choosing the most suitable option for your financial needs.
Step 1: Review your credit report.
Start the process by checking your credit. The interest rate and loan amount you get are largely dependent from your credit rating, so looking over your credit report will help you spot and fix any mistakes -- such as a falsely recorded late payment and strengthen your score before applying for a personal loan.
How can my credit score impact personal loan offers?
Goodor excellent credit borrowers (those with scores that are 690 and above) typically have lower interest rates and have a wider group of lenders to choose from. However, fair and poor-credit borrowers (scores of 300 to 689) could have fewer options and may pay higher rates for interest.
How do I see my credit score without cost?
You can request a report with NerdWallet. You can also request free report on credit directly from three major credit bureaus using .
Step 2: Pre-qualify and evaluate the offers
provides you with a glimpse of estimated rates for monthly payments, terms and rates before you complete an application. Many lenders permit potential customers to be pre-qualified through their websites. , including bank websites, lenders online and credit unions, to find the most suitable loan for you.
See if you pre-qualify for a personal loan that doesn't impact the credit rating.
Answer a few simple questions to get personalized rates from our lending partners.
Loan purpose Select your option Consolidation of Debt Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a business Education IRS Tax Other Debt
Loan amount
Credit score Choose your choice Good Good Fair Poor
Your employment status Choose your option Full-time Part-time Self-employed unemployed military Retired Other
Find out if you're pre-qualified
Can pre-qualification affect my score on credit?
No, pre-qualifying for an individual loan is a non-invasive inquiry, and doesn't affect the score of your credit.
What are the steps I must take to do in order to be pre-qualified for a personal loan?
To be eligible, you'll need to submit certain information, including:
Loan purpose. The loan can be used to pay for almost everything. Most lenders will inquire about how you intend to use the money.
Requested loan amount. Lenders typically offer personal loans of between $1000 and $50,000.
Preferential loan time. Personal loans typically come with monthly installments that are spread across two to seven-year time frames.
Personal and financial information. This could include your name, email address and date of birth address, income, as well as social Security number.
If you're not able to qualify for an loan by yourself, consider the possibility of a . Adding someone with a strong credit score and a higher income could assist you in getting approval and lower your rate. But keep in mind that a co-borrower , co-signer or co-borrower is held financially responsible in the event that you fail to pay back your loan.
>> MORE:
How do I pre-qualify?
Pre-qualifying can take up to a few minutes after you've submitted your data. If you are eligible for a loan offer, the lender will show you potential rates and terms to choose from.
Step 3: Pick your lender and loan
With multiple lenders offering different loans, it can be difficult to decide which loan to select. Here are a few methods to assess different loan options:
APR: This amount you pay for borrowing. It includes the interest rate as well as any additional charges. The lower APR, the lower costs of your loan.
Loan term: The loan term determines how long you will be paying off the loan. A longer duration can reduce your monthly payment but you might end up paying more interest than a shorter-term loan.
Costs: A few lenders charge additional fees that add to the cost of the loan. Check if the loans include the possibility of a penalty for prepayment should you need to pay your loan in a shorter time.
Monthly payments: Review the monthly installment and ensure that you can comfortably afford the loan in your budget.
Features and benefits : Identify the features that matter for you, such as flexibility in payment choices, which can help in building credit, or direct payments to creditors when consolidating debt. Benefits like monthly payment assistance in the event of unemployment can make difficult times easier.
>> MORE:
Personal loans from our partners
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 aspects we consider to be a good choice for 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 formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration 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 ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees customers' 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 rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score rates 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 factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to 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 team. The scoring algorithm takes into consideration factors we consider 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.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including impact to credit score rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Loan amount $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 as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled 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 as well as the customer's experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
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, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Amount of loan: $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including impact to credit score rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled 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 customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, fees and rates 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 were determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including impact to credit score rate and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are 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, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
On Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial team. 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, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider 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 Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe 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 ethical lending practices.
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 customers' experience, and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on the Best Egg
Best Egg
4.5 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, fees and rates as well as the customer's experience and responsible lending practices.
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 impact to credit score, rates and fees, customer experience and responsible 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 ratings are compiled 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 customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. 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 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Attain
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration 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 responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-23.43%
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 team. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined 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, fees and rates as well as the customer's experience and ethical 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 is based on the factors we believe to be 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 ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
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 to credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
On Achieving
Attain
5.0 NerdWallet's rating is determined 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, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are 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, customer experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe 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.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit scores, 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 compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 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, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, such as the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $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 the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. 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 team. The scoring algorithm takes into consideration 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.
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 impact to credit score, rates and fees, customer 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 determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rates and fees, the customer experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we consider to be consumer-friendly, including impact on credit score, fees and rates as well as the customer's 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 to credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
Step 4: Collect loan documents
After you've picked the loan with the interest rate and terms that best fit your budget, it's time to complete the application.
What are the requirements for my loan application?
You'll need to submit one or all of these:
Identification proof, such as an ID issued by the government, recent utility bill or lease agreement.
Address proof.
Evidence of employment status.
Education history, including the highest degree you've obtained and your graduation date.
Details of income, like bank statements, pay stubs or pay stubs, as well as evidence of income that is not included in the above list, such as retirement, alimony or support for children.
Social Security number even if it was not submitted in the pre-qualification.
When you've got a co-borrower in the personal loan application, they'll need to submit similar documents to prove their identities, addresses and income details.
Step 5 Complete your application and get funded
Be sure to read the conditions and terms of the loan and then send your application.
A loan agreement lays out the mutually agreed upon loan amount along with the terms, interest rate and conditions. It also permits the lender to confirm the accuracy of your personal information and to pull your credit report.
What do I affect my loan application impact my score on credit?
Submitting the formal loan application results in shaving up to 5 points from your credit score. It will also be staying in your credit file over two years.
How is the time frame before my request is approved?
If everything checks out you can receive approval on the same day. If the lender requires additional documents, approval could take longer.
How do I get funded?
Once you've been approved and you sign your loan agreement, the time you get the funds will likely depend on the kind of lender you select. Some online lenders will offer the funds on the same day, while certain banks may have the money within five days or less.
>> MORE:
After you've received your funding then you can expect the primary loan repayment to come due within 30 days. If you've selected automatic bank payments, your funds will be debited from the account you have provided. Add your monthly payment amount to your budget to .
Authors: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade covers individual loans in NerdWallet.
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Advertiser disclosure You're our first priority. Every time. We believe that every person should be able to make sound financial decisions without hesitation. While our website does not include every company or financial product available in the marketplace, we're proud of the advice we offer, the information we provide and the tools we develop are impartial, independent simple, and completely free. So how do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on the site) However, it doesn't affect our advice or suggestions that are based on thousands of hours of study. Our partners are not able to be paid to ensure positive review of their services or products. .
How do you apply for a Personal Loan
Applying for a loan begins with a thorough check of your credit and preparing to compare personal loan offers.
,
Last updated on Jan 19 2023.
The majority or all of the products featured here come from our partners, who pay us. This influences which products we review as well as the place and way the product is featured on the page. But, it doesn't influence our opinions. Our opinions are entirely our own. Here's a list of and .
How to apply to get a personal loan Show More
The application process for a personal loan may feel overwhelming if you don't know how to start or what you'll require.
Here are five steps and common questions to help you with the procedure of applying for and choosing the most suitable option for your financial needs.
Step 1: Review your credit report.
Start the process by checking your credit. The interest rate and loan amount you get are largely dependent from your credit rating, so looking over your credit report will help you spot and fix any mistakes -- such as a falsely recorded late payment and strengthen your score before applying for a personal loan.
How can my credit score impact personal loan offers?
Goodor excellent credit borrowers (those with scores that are 690 and above) typically have lower interest rates and have a wider group of lenders to choose from. However, fair and poor-credit borrowers (scores of 300 to 689) could have fewer options and may pay higher rates for interest.
How do I see my credit score without cost?
You can request a report with NerdWallet. You can also request free report on credit directly from three major credit bureaus using .
Step 2: Pre-qualify and evaluate the offers
provides you with a glimpse of estimated rates for monthly payments, terms and rates before you complete an application. Many lenders permit potential customers to be pre-qualified through their websites. , including bank websites, lenders online and credit unions, to find the most suitable loan for you.
See if you pre-qualify for a personal loan that doesn't impact the credit rating.
Answer a few simple questions to get personalized rates from our lending partners.
Loan purpose Select your option Consolidation of Debt Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a business Education IRS Tax Other Debt
Loan amount
Credit score Choose your choice Good Good Fair Poor
Your employment status Choose your option Full-time Part-time Self-employed unemployed military Retired Other
Find out if you're pre-qualified
Can pre-qualification affect my score on credit?
No, pre-qualifying for an individual loan is a non-invasive inquiry, and doesn't affect the score of your credit.
What are the steps I must take to do in order to be pre-qualified for a personal loan?
To be eligible, you'll need to submit certain information, including:
Loan purpose. The loan can be used to pay for almost everything. Most lenders will inquire about how you intend to use the money.
Requested loan amount. Lenders typically offer personal loans of between $1000 and $50,000.
Preferential loan time. Personal loans typically come with monthly installments that are spread across two to seven-year time frames.
Personal and financial information. This could include your name, email address and date of birth address, income, as well as social Security number.
If you're not able to qualify for an loan by yourself, consider the possibility of a . Adding someone with a strong credit score and a higher income could assist you in getting approval and lower your rate. But keep in mind that a co-borrower , co-signer or co-borrower is held financially responsible in the event that you fail to pay back your loan.
>> MORE:
How do I pre-qualify?
Pre-qualifying can take up to a few minutes after you've submitted your data. If you are eligible for a loan offer, the lender will show you potential rates and terms to choose from.
Step 3: Pick your lender and loan
With multiple lenders offering different loans, it can be difficult to decide which loan to select. Here are a few methods to assess different loan options:
APR: This amount you pay for borrowing. It includes the interest rate as well as any additional charges. The lower APR, the lower costs of your loan.
Loan term: The loan term determines how long you will be paying off the loan. A longer duration can reduce your monthly payment but you might end up paying more interest than a shorter-term loan.
Costs: A few lenders charge additional fees that add to the cost of the loan. Check if the loans include the possibility of a penalty for prepayment should you need to pay your loan in a shorter time.
Monthly payments: Review the monthly installment and ensure that you can comfortably afford the loan in your budget.
Features and benefits : Identify the features that matter for you, such as flexibility in payment choices, which can help in building credit, or direct payments to creditors when consolidating debt. Benefits like monthly payment assistance in the event of unemployment can make difficult times easier.
>> MORE:
Personal loans from our partners
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 aspects we consider to be a good choice for 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 formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration 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 ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees customers' 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 rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score rates 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 factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to 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 team. The scoring algorithm takes into consideration factors we consider 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.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including impact to credit score rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Loan amount $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 as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled 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 as well as the customer's experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
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, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Amount of loan: $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including impact to credit score rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled 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 customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, fees and rates 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 were determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including impact to credit score rate and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are 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, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
On Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial team. 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, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider 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 Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe 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 ethical lending practices.
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 customers' experience, and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on the Best Egg
Best Egg
4.5 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, fees and rates as well as the customer's experience and responsible lending practices.
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 impact to credit score, rates and fees, customer experience and responsible 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 ratings are compiled 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 customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. 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 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Attain
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration 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 responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-23.43%
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 team. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined 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, fees and rates as well as the customer's experience and ethical 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 is based on the factors we believe to be 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 ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
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 to credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
On Achieving
Attain
5.0 NerdWallet's rating is determined 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, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are 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, customer experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe 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.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit scores, 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 compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 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, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, such as the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $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 the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. 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 team. The scoring algorithm takes into consideration 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.
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 impact to credit score, rates and fees, customer 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 determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rates and fees, the customer experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we consider to be consumer-friendly, including impact on credit score, fees and rates as well as the customer's 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 to credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
Step 4: Collect loan documents
After you've picked the loan with the interest rate and terms that best fit your budget, it's time to complete the application.
What are the requirements for my loan application?
You'll need to submit one or all of these:
Identification proof, such as an ID issued by the government, recent utility bill or lease agreement.
Address proof.
Evidence of employment status.
Education history, including the highest degree you've obtained and your graduation date.
Details of income, like bank statements, pay stubs or pay stubs, as well as evidence of income that is not included in the above list, such as retirement, alimony or support for children.
Social Security number even if it was not submitted in the pre-qualification.
When you've got a co-borrower in the personal loan application, they'll need to submit similar documents to prove their identities, addresses and income details.
Step 5 Complete your application and get funded
Be sure to read the conditions and terms of the loan and then send your application.
A loan agreement lays out the mutually agreed upon loan amount along with the terms, interest rate and conditions. It also permits the lender to confirm the accuracy of your personal information and to pull your credit report.
What do I affect my loan application impact my score on credit?
Submitting the formal loan application results in shaving up to 5 points from your credit score. It will also be staying in your credit file over two years.
How is the time frame before my request is approved?
If everything checks out you can receive approval on the same day. If the lender requires additional documents, approval could take longer.
How do I get funded?
Once you've been approved and you sign your loan agreement, the time you get the funds will likely depend on the kind of lender you select. Some online lenders will offer the funds on the same day, while certain banks may have the money within five days or less.
>> MORE:
After you've received your funding then you can expect the primary loan repayment to come due within 30 days. If you've selected automatic bank payments, your funds will be debited from the account you have provided. Add your monthly payment amount to your budget to .
Authors: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade covers individual loans in NerdWallet.
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