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What is the difference between personal loans and payday loans?

Payday loans are short-term loans that have high interest rates and are supposed to be paid off in a lump sum on your next payday. Personal loans are long-term and have lower interest rates. They are also known as installment loans that are supposed to be repaid at a fixed rate over a certain period of time in monthly payments.

How much can I borrow?

The loan limits vary by lender. In most cases the major factor that determines the amount of money you can qualify for is your income.

What are the requirements to apply for personal loans?

First, you must be at least 18 years old and a U.S. citizen. Second, you must have a reliable source of income to be able to repay a loan. Third, you must have an active bank account.

How long does it take to get a decision?

Typically, the decision is instant. After you submit a request, it takes up to a few minutes to connect you with a lender.

What can I use my personal loan for?

You are free to decide yourself what you need the money for. Among the most common uses are medical expenses, house renovations, car repairs, or big-ticket purchases.

Can I qualify with poor credit?

Yes! Your credit profile isn’t the major factor that determines your approval.

How long does it take to get approved?

It depends on a lender. Typically, the process is fast.

How will I get my money?

Your money will be deposited directly into your bank account in as little as the next business day.

What if I miss the payment?

If you’re tight for cash and aren’t able to pay off your loan on the due date, contact your lender regarding a possible loan renewal.

What is a loan renewal?

In case you aren’t able to pay off your loan in time, you can resort to a loan renewal. It means you pay a fee for the right to delay paying back the loan in full on its due date. The fee doesn’t reduce the amount you owe. Note that not all lenders allow their clients to renew a loan.

Is your service free?

Yes! We do not charge any fees for using our online platform.