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Personal Loans: Get an Offer Now

Bills.com makes it easy to apply for a personal 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.

 

Check personal loan rates without any effect on your credit!

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 the loan 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 your application is your credit score. Some lenders, such as FreedomPlus look at other personal factors when approving consumers for a loan.

Personal Loan Calculator

Calculate estimated payments, then check with lenders for more personalized rates.

Loan Amount
$10,000
Loan Term (months)
36
Monthly payment
$0
Estimated APR
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These rates are for informational purposes and do not represent actual offers. The monthly payment assumes no fees and is based on the APR.

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Learn More about Personal Loans
Personal Loan Rates

Personal loan rates 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. 

What is a Debt Consolidation Loan?

A debt consolidation loan is a type of personal 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.

Can I get a personal loan with bad credit?

There are bad credit personal loans. However, they come with a high-interest rate.

If you need money for an an emergency or a must-pay bill then a loan might prevent you from paying overdraft and returned check fees.  Make sure that you can afford the payments.

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

 

Which type of Personal Loan is best for me?

Personal loans come in different shapes, including these five factors:

  • Secured vs. Unsecured
  • Reason to Take a Loan: Debt Consolidation vs. Other Reasons
  • Bad Credit vs. Good-Excellent Credit Loans
  • Fixed vs. Variable Interest Rate
  • Online Lender vs. Bank

For more information check out Bills.com article about Types of Personal Loans. 

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