Get a Personal Loan Offer Now makes it easy to apply for a personal unsecured loan. Complete the form below by selecting your credit score, zip code, and the amount of money you need. 

You will receive a number of offers to choose from.  Continue by choosing 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.


Learn More about Personal Loans

Rates for personal loans vary. The two main factors are the payoff time and your credit score. Other factors include your income (and debt to income ratio), your savings and assets, and the amount you borrow.

Some lenders have special programs and discounts. For example, FreedomPlus offers these tips to get the lowest rates available:

"Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings...

Many loans have an origination fee, so when shopping, check the APR.  It’s a good idea to compare rates from different lenders to find the best deal. 

A debt consolidation loan is a loan you get to pay off multiple loans. Debt consolidation loans are useful when you have varying amounts of debt on varying items (car loan, credit cards, medical bills, etc.). The idea is to get a loan at a fixed and low-interest rate to pay off other debts. It typically reduces the total expense of debt.

There are bad credit personal loans. However, they come with a high interest rate. If you are looking for affordable payments, then a personal loan may be a good alternative. This is especially true if  for an emergency or a must-pay bill. The personal loan might prevent you from paying overdraft and returned check fees.  

Before taking out a bad credit personal loan to consolidate debt, then check all of your debt relief options. 


What is a Personal Loan?

A personal loan is also called an unsecured or signature loan. It requires no collateral, unlike a secured loan, such as a mortgage or auto loan.

You can use personal loans for a variety of reasons including debt consolidation, home improvements, weddings, vacations, pay medical bills, or make a large purchase.

The primary factor lenders use to approve a personal loan is your credit score. Some lenders, such as FreedomPlus look at other personal factors when approving consumers for a loan.