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Apply for a Personal Loan

apply for personal loans
Betsalel Cohen
UpdatedMay 27, 2019

A personal loan can help consolidate debt, pay for home repairs, a vacation, or be a life-saver when you don't have enough money to pay an unexpected bill. makes it easy to apply for a personal loan. Complete the form above by selecting your credit score, zip code, and the amount of money you need.

You will receive several offers to choose from. Continue by selecting an offer and then fill in the form with your personal information and click on the consent box. You will receive no-obligation offers without affecting your credit score.

Get a Personal Loan Quote

Frequently Asked Questions

Should You Apply for a Personal Loan?


Before you decide to apply for a personal loan, check your overall financial position. Here are three things to consider before deciding if you should apply for a loan:

How is Your Credit? If you don't have good credit, then the chances are that you are going to get a high-interest rate. If you have credit issues, then check on the best ways to improve your credit score. Start by checking your credit report and, if necessary, dispute any incorrect negative items.

Can you afford the monthly payments?: Even if you qualify for a personal loan, that doesn't mean it is affordable. Since the term of the loan is short (usually between 2-5 years), the monthly payments can be high. Take into account your total financial picture and make sure that you can afford the monthly payments.

Does the loan meets your financial goals: You can take a personal loan for many reasons. Check to see that this is the best solution for your situation. For example, if you are looking to make home improvements, then a home equity loan or a cash-out mortgage refinance loan might be more affordable. If you are looking to pay off debt, see if the loan offers a lower interest rate. If you are struggling with debt, then other solutions may be either cheaper or more practical.

What is the Best Way to Apply for a Personal Loan?


Shop Around: Almost any lender lets you make an online application. You will need to provide them with basic financial information and allow for a credit pull. When shopping for an online loan, the lender will probably only do a soft pull. Check out the terms, including the rate, fees, and length of the loan.

Choose a Lender: Banks and credit unions offer personal loans. However, personal loans have become a popular product with many non-bank lenders, including peer to peer and non-bank lenders such as SoFi, Lending Club, and Prosper.

Get Your Financial Details Ready: Most lenders require the application form to include personal information, income and employment information, and data about your housing expenses. Depending on your situation, the lender will require you to submit other documents, such as wage slips, W2 form, and utility bills. For a more detailed list, check out Wells Fargo Personal Loan Checklist.

Once approved, lenders can almost immediately wire money to your account. However, take the time to make sure that the loan best fits your financial situation.

How do I find the Best Personal Loan Lenders


Before you shop around you might want to read about the best personal loan lenders. Compare lenders based on rates, loans amounts, and credit score requirements. also offers you detailed information about lenders such as Avant, Sofi, FreedomPlus, and Wells Fargo.

Check Loan Scenarios


Use Personal Loan Calculator to check different loan scenarios. You can compare monthly payments based on varying loan amounts, repayment periods, and interest rates.

Check Your Debt to Income Ratio


Are you already servicing too much debt? Will the new personal loan add to your debt load, or make it more affordable? Check out Debt to Income Ratio Calculator before you apply for a personal loan.


DDaniel guttierrez, Jan, 2023
LLezah Neville-Marrs, Nov, 2022
I’m inquiring about a personal loan.
TTed, Nov, 2022
Lezah, Thank you for reaching out. Have you taken a look at any of the loan options above?