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Personal Loans: Top 5 Online Lenders For Bad Credit Loans & Emergency Loans| Get Instant Loans With No Credit Check For Low Credit Score In 2022| Personal Loans Near Me

If you are looking for different ways to borrow money, getting a personal loan might be the fastest and most convenient way.

You can use such a loan for various purposes such as debt consolidation, vacation, home renovations, medical expenses, unforeseen events, and other reasons. However, it is known that looking for a reliable lender and submitting needed paperwork in person is a time-consuming task.

Therefore, we suggest applying for a loan at some of the best companies specializing in providing loans for people with different credit scores. Personal loans from such online lending platforms often come with lower interest rates and more flexible repayment loan terms.

With that being said, if this topic is of interest to you, we suggest you continue reading in order to find more details about some of the most reliable best personal loans lending platforms.

Top 5 Direct Lenders For Personal Loans

  1. MoneyMutual: Overall Best For Personal Loans, Editor’s Choice
  2. RadCred: Best Interest Rates On Emergency Loans & Personal Loans
  3. BadCreditLoans: Popular Online Lender For Loans With Bad Credit
  4. CashUSA: Get Instant Cash Advance Loans With Guaranteed Approval
  5. PersonalLoans: Most Well-Known Payday Lender For Personal Payday Loan Services

#1. MoneyMutual: Overall Best For Personal Loans, Editor’s Choice

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MoneyMutual is an online marketplace that provides quick, simple, and secure access to a wide network of lenders. This well-known company is not considered a direct lender but a matching service between the individuals that need quick funds and their lending partners.

This company is based in Las Vegas and was established with a goal to offer people in need of emergency funds a free service that will help them overcome financial difficulties.

MoneyMutual’s service is free of charge, and for each borrower, the platform provides around 60 potential personal loan lenders that are willing to provide a loan.

In order to apply, you don’t have to go from one lender to another or wait for hours to submit your documents; instead, you can fill out an online application form that you can find on MoneyMutual’s website.

You will need to select how much money you would like to borrow and provide personal information such as zip code, name, email, phone number, monthly income, bank account, income, banking, employment information, and others.

Eligibility requirements

Every lender has its own requirements, but the online platform also has some requirements that you will need to meet to qualify for a personal loan.

The standard criteria include being at least 18 years old, a US citizen or permanent resident, having a regular monthly income and a valid checking account.

The monthly income has to be at least $800 a month, and if you meet all of these requirements, the chance of getting a personal loan from MoneyMutual significantly increases.

Loan terms

After you submit your application, MoneyMutuals reviews your financial standing and the information you provided, then connects you with potential lenders. Then, if a lender decides to lend you money, you can carefully check the terms and conditions of the loan and determine whether you would like to accept the offer.

When the deal is made, the funds are transferred into your bank account within 24 hours, which is convenient for clients who need a personal loan for an emergency or unexpected events.

Loan fees, costs, and APRs

MoneyMutual doesn’t charge or include any extra hidden fees for their service, even depending on your credit type or the loan amount.

The platform advertises that borrowers are able to get a personal loan from $250 to $5,000. When it comes to interest rates, they depend on the lender as well, but with MoneyMutual’s lenders, you can expect them to be very competitive.

Also, the repayment terms are flexible so that the clients have time to overcome their financial struggles and repay their loans.

Highlights

  • The clients can obtain a loan from $250 to $5,000
  • The platform connects the borrowers with more than 60 lenders
  • No cost for using the MoneyMutual marketplace
  • Quick application process and secure transfer of funds
  • The clients can be accepted very fast
  • The loan terms come with competitive interest rates and flexible repayment terms
  • The company has a simple but very informative website
  • MoneyMutual offers educational resources about different types of loans

Pros

  • The service from MoneyMutual is free of cost
  • People with different credit scores can apply and be accepted
  • The platform is a convenient way to find a suitable lender
  • The personal loan from MoneyMutual’s lenders can be used for various purposes
  • A secure loan process and protected website
  • No additional expenses or hidden fees for the service

Cons

  • MoneyMutual’s service is not available in all the US states
  • If you accept a loan offer, MoneyMutual is no longer responsible for the loan process

⇒ Visit the Official Website of MoneyMutual

#2. RadCred: Best Interest Rates On Emergency Loans & Personal Loans

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RadCred is a financial service company that provides a secure platform and online marketplace for borrowers and a network of lenders across the US. Over the years, RadCred has been successfully providing financial services to numerous clients, so the company was able to build up an excellent reputation.

The main goal of RadCred is to assist the borrowers in looking for, comparing, and getting personal loans quickly and easily. When you apply for a loan, the lender’s decision might be based on your credit score, but the good news is that the company also accepts clients whose credit types are not ideal.

What sets this platform apart from many others is that the clients can get a free credit score with their account and access credit monitoring with RadCred.

Pre-qualification

RadCred also differentiates from many other lending platforms as it allows you to pre-qualify for a loan. This feature allows you to check whether you are eligible for a loan and check potential interest rates according to the loan amount that you need.

Moreover, your credit score won’t be affected as the lenders pull a soft credit check. To pre-qualify, you will need to present basic information about your finances and loan needs. Also, the pre-qualification feature allows you to compare offers and lenders of personal loans before you proceed with the additional steps to conclude the offer.

Eligibility and application

To start the application process, you need to check whether you meet the eligibility criteria. To be eligible for a personal loan with RadCred, you need to be at least 18 years old, have an active bank account with at least 580 credit score and be a resident in the US or a permanent citizen of the US.

Then, you will need to complete an online form and request a loan, after which the lender will review and offer a loan based on the information that you provided. You can shop and compare loan offers, evaluate them and make a decision. Once the loan deal is finalized, you can quickly receive the funds.

Loan terms

RadCred allows the borrowers to get personal loans from $1,000 to $50,000 depending upon the loan terms of the partner lenders, which means that the platform is suitable for those in need of a higher loan.

The interest rates depend on the partner lender, your creditworthiness, the length of the loan, and other factors. However, you can compare loan offers side to side before you make a decision, which we really like.

Some partner lenders with RadCred can also charge origination fees or penalties, so examining the loan terms carefully before agreeing is necessary.

Highlights

  • Loan offers varying from $1,000 up to $50,000
  • The service is free of charge, and there is no minimum credit score
  • APRs depend on the partner lenders.
  • The platform allows you to prequalify and compare loan offers
  • Loan terms from 3-180 months and quick fund transfer
  • Resources and tools for all clients
  • No fees for the matching service of the borrowers with lenders
  • RadCred takes security measures to protect the client’s data

Pros

  • Best for no credit loans & Personal Loans
  • Instant transfer of funds
  • Industry standard encrypted website with 2048-BIT RSA encryption

Cons

  • RadCred is not a direct lender, only a conduit between lenders and borrowers.

⇒ Visit the Official Website of RadCred

#3. BadCreditLoans: Popular Online Lender For Loans With Bad Credit

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BadCreditLoans is an online lending company that is not a direct service but a mediator between people in need of quick funds and a network of lenders. The Nevada based company is not a direct lender but a matching service for people whose credit score is not stellar, as the name suggests.

What makes BadCreditLoans one of the best lending companies on the scene is their determination to help the clients in need of funds.

This means that even if you are not accepted for a loan, BadCreditLoans will help you find alternative solutions and provide you with other services such as debt relief, credit repair, and others.

Additionally, the company has been in service since 1998, and it has been successfully providing financial services for more than 20 years which results in an excellent reputation.

Loan requirements

Emergency situations can happen without warning, and if the finances are tight, you can find yourself in a very difficult position. Whether it is unexpected bills, immediate home or car repairs, or other unforeseen expenses, quick funds are needed, and BadCreditLoans is a company that understands that.

In order to qualify for a loan, you need to be at least 18 years old and a legal resident of the US. You will also need to have a regular source of income and provide an email address and a phone number.

To apply, it is required to fill out an online form and enter personal and banking information. Once you submit your application, the platform’s lenders will view your application form and offer you loan terms that you need to examine. If you agree to an offer, you need to finalize the process with an e-signature.

Loan terms

BadCreditLoans offers a wide network of lenders willing to provide debt consolidation loans to clients with both good and bad credit ratings. The borrowers can obtain from $500 to $10,000 based on their credit score and financial situation.

The company will not charge you for their service, even though some lenders may charge fees, so it is important to carefully read all of the loan terms and conditions before you accept an offer.

The APRs also depend on the lender and the loan amount, but generally, they vary from 5.99% to 35.99%. On top of that, BadCreditLoans lenders understand financial hardships, so they offer flexible repayment terms from 90-days to 72 months.

Highlights

  • The borrowers can obtain loan offers from $500 to $10,000
  • BadCreditLoans service is free of cost, and there are no obligations to accept an offer
  • Quick and simple application process and fund transfer as quick as 24 hours
  • Competitive interest rates ranging from 5.99% to 35.99%
  • Borrowers with less than ideal credit scores can be approved for a personal loan
  • Flexible repayment terms and beneficial financial tools for credit repair
  • A reliable and transparent company with years of experience
  • BadCreditLoans provides educational resources on avoiding scams

Pros

  • The borrowers can apply easily and get accepted very quick
  • The client’s information is protected by data encryption technology the company uses
  • BadCreditLoans service is open 24/7, so you can apply for a loan any time of the day
  • The matching service is free of cost, and you are not obliged to accept an offer
  • You can get your funds as quick as in one business day
  • The borrowers have access to educational resources and financial tools

Cons

  • Lenders with poor credit scores may get a lower loan amount
  • The APRs from some lenders may be high for some clients

⇒ Visit the Official Website of BadCreditLoans

#4. CashUSA: Get Instant Cash Advance Loans With Guaranteed Approval

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CashUSA is one of the most trusted and reliable companies for matching borrowers with lenders in the USA. The platform is simple to understand as you can easily apply for a loan within minutes online without going from one lender to another.

The company differs from the others as it provides smaller loan amounts. If you have financial struggles and need funds, CashUSA has you covered as all you need to do is complete an online application process.

However, in order to meet the eligibility requirements, you need to be at least 18 years old, a legal US citizen, or a permanent resident and be employed for at least 90 days. You will also need to provide a checking account and home and work telephone numbers, as well as an email address.

Application process

With CashUSA, you don’t have to go from lender to lender to apply for a loan, but fill out an online application form that you can find on the company’s website.

The online form consists of several sections. The first section includes providing personal information such as name, zip code, email address, whether you are an active member in the military, and the loan amount that you are requesting. The second section of the application form requires the borrower to provide more details about income and employment, whether they are a homeowner, SSN, driver’s license, physical address, and others. In the final section/step, you will need to provide banking information, official job title, and some other details.

Loan terms

Submitting an online loan application on CashUSA is free, and the loan request can be approved in just a matter of minutes. If you decide to look for a loan on CashUSA, you will be able to obtain from $500 to $10,000 depending on your credit type. The needed funds will then be transferred directly into your bank account, usually very quickly in just 24 hours.

In addition, CashUSA offers flexible repayment terms of 90-days to 72 months and very competitive interest rates varying from 5.99% to 35.99%. With that being said, it is significant to remember that the loan terms and conditions vary from lender to lender, and every client might not get the same offer.

Other CashUSA offers

BesidesPersonalLoans, CashUSA offers financial services such as debt relief, credit report, and credit monitoring. These services can be very beneficial for people with poor credit scores that would like to improve their credit ratings.

On CashUSA’s website, you can also find plenty of educational resources regarding many financial topics, which shows that CashUSA wants to help its clients get the best loan terms and get a piece of knowledge on credit scores, loans, and other related topics.

Highlights

  • Loan offers start from $500 to $10,000
  • The straightforward application process for people with different credit scores
  • The approved loan will be electronically deposited into your account
  • Competitive interest rates and no fees for application
  • The repayment terms are very flexible from 90-days to 72 months
  • The company is committed to providing a high level of security and privacy
  • The platform has a wide network of lending partners
  • A reliable and transparent as well as popular online lending company

Pros

  • The whole loan process is online
  • The company doesn’t charge you fees to apply
  • A reliable lending platform for people with different credit ratings
  • Provides educational center with guides on finances, credit, debts, and banking
  • Reasonable loan terms and repayment terms
  • Uses industry-standard encryption technology

Cons

  • No CashUSA mobile application
  • The company is not a direct lender but a matching service

⇒ Visit the Official Website of CashUSA

#5. PersonalLoans: Most Well-Known Payday Lender For Personal Payday Loan Services

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Suppose you are looking for personal loans with reasonable terms, what better place to look for than the platform with the same name as the service you need.

PersonalLoans is an online marketplace where people in need of emergency funds can apply to get connected with a range of potential lenders. The main goal of PersonalLoans is to provide an easy, quick, and convenient way for clients with different credit scores to be able to receive a loan.

This online platform was established in 2001 and, like the others on our list, is not a lender but a middleman between lenders and borrowers.

The applicants must be 18 years old or older, resident or permanent citizens of the US, and have a regular source of income no matter if they are self-employed, full-time employed, or receive disability or other social security benefits monthly. A valid checking account, identity verification, and a credit score of at least 580 are also needed.

Application process

If you have decided to apply for a loan by PersonalLoans, you can complete an online application form that is on the company’s website. You will need to provide personal information such as an address, contact information, monthly income, the reason behind the loan, and other personal and banking information.

We especially like about PersonalLoans because every section is explained, including why the information is necessary, which can give the customers a sense of confidence as they are guided through the process. After you submit the application, the potential lenders will decide if they would like to put in an offer. If an offer works for you, the details about the loan are discussed between the borrower and the lender.

Loan terms

After you make a loan deal with a lender, PersonalLoans lending partners can transfer the funds into your bank account in just one business day. This online lending platform offers three types of personal loans: peer-to-peer loans, installment loans, and personal bank loans.

The borrowers can request a loan ranging from $1,000 to $35,000 based on their credit type and financial needs.

The minimum monthly income for the first two options is $2,000, while for a personal bank loan, a monthly income of $3,000 is required. The repayment terms vary from 90-days to 72 months based on the loan amount. Regarding APRs, they can range between 5.99% and 35.99%.

We also like PersonalLoans because this platform allows you to search for loan offers without providing information and loan guides on how to obtain each type of loan.

Highlights

  • The borrowers can get both small and high loans of $1,000-$35,000
  • The application process is quick and simple, and the website is very informative
  • Aside from their network of lenders, PersonalLoans has tribal and third-party lenders
  • Those who don’t receive loan offers can get debt relief and credit repair and monitoring services
  • Three types of personal loans with different requirements
  • Reasonable interest rates and repayment terms
  • PersonalLoan’s service is cost-free, and the funds can be transferred within a day
  • PersonalLoans features obligation free rate quotes

Pros

  • Fast application and funding process
  • The platform has an extensive range of lenders
  • Informative guides about each type of loan on the website
  • Individuals with different types of credit scores can be approved for a loan
  • The platform gives you the freedom to select the best loan offer for your needs
  • The repayment terms are very flexible, and the interest rates are competitive

Cons

  • More personal information is required when applying for a loan
  • Some lenders might charge you fees

⇒ Visit the Official Website of PersonalLoans

How We Made Our List of Personal Loans Lending Companies?

In order to determine which online companies are the best in terms of providing personal loans, we have analyzed many companies. For example, what they offer when it comes to a network of lenders, interest rates, loan terms, repayment terms, loan amounts, and other factors.

To narrow down our selection, we searched for online platforms that don’t have origination or sign-up fees or early penalties.

Additionally, we selected online lenders with competitive interest rates, flexible loan amounts and repayment terms, an easy application process, and secure transactions. Moreover, customer support, an informative website, the company’s reputation, and free service were all requirements that we also looked for when searching for the best personal loan terms.

Factors to Consider Before You Apply for a Personal Loan

Before you make a deal with a lender, it is necessary to consider several factors. You can find plenty of companies online, competing to provide the best loan terms for their clients, so making the right decision may be challenging.

In order to help you get the most suitable loan offer according to your financial situation, we present you with several factors worth considering before you make an agreement with a lender.

  • Requirements for qualification

The first thing to consider when you are applying for a personal loan is whether you meet the eligibility requirements. Such requirements can vary from one lending platform to another, but all of them have some general requirements.

Generally, to be able to apply for a loan, you need to be 18 years old or older, be a resident or a permanent citizen of the US, and have a valid checking and banking account. Even though some online lending companies specialize in providing personal loans to individuals with different credit types, a steady regular income is also required.

  • Credit score and debt-to-income ratio

Just like the monthly income, the credit score and history are also something to consider. This is because the lenders evaluate your credit rating and financial situation before they decide to give you a loan offer. Also, the lenders provide loan terms and conditions based on your credit type.

Therefore, maintaining a good credit score is necessary in order to receive better loan terms. Equally important to take into consideration is your debt to income ratio. This is significant to determine whether you will be able to afford the loan and repay the monthly payments on time.

  • Loan amount and repayment terms

Before you decide to apply for obtaining a loan, it is necessary to determine the right loan amount based on your needs. Once you determine the total loan amount, you can look for online platforms that offer smaller or higher amounts.

The repayment terms should also be flexible, but you need to keep in mind that their length can affect the interest rates and the whole loan amount. Usually, online lending companies such as the ones we have selected offer 90-days to 72 months based on the loan amount you require.

  • Interest rates, fees, and monthly payments

The interest rates depend from lender to lender, but they are also based on your credit score and loan amount. In other words, if your credit score is excellent, the interest rates will be much lower. The interest rates can affect the whole amount of money you will spend.

We suggest choosing a loan offer that has as low an interest rate as possible. All of the online-lending companies that we reviewed don’t charge you for their service, but some lenders may charge you fees.

For that reason, it is necessary to read all the loan terms and conditions very thoughtfully so that you are familiar with the fees, APRs, and monthly payments.

When it comes to payments, you need to make sure that you can afford to repay the loan in that amount each month. Some platforms even allow you to prequalify and compare interest rates to determine whether a loan offer will be suitable for you.

  • Company reputation and client reviews

A company’s reputation is not only vital when looking for a product to buy, but also when we are searching for services as well.

We recommend checking a company’s credibility before applying for a loan and ensuring that its network of lenders is professional and licensed to operate in your state.

Additionally, you can read reviews from other borrowers to see what experience the others have and check whether the company has been in trouble with the law in recent years to avoid getting scammed. Such client reviews can also give you more insight into personal loans and the company’s service.

Frequently Asked Questions Personal Loans, Credit Score & Online Lenders

Q1. What exactly is a personal loan?

A personal loan is also known as an unsecured installment loan. This means that the loan doesn’t require collateral such as a home or car. In the same way as the other installment loans, the personal loans are paid in equal monthly payments that the borrower needs to provide to repay the loan.

Depending on your credit type and the loan amount you need, personal loans have different interest rates and repayment terms. The loan amount depends on the online lender, but the higher your credit score and income are, the more personal loan funds you can borrow.

Q2. What can a personal loan be used for?

A personal loan can be used for a variety of purposes. Generally, people take personal loans for debt consolidation, home renovations, medical and auto expenses, large purchases, weddings, vacations, emergencies, etc.

In order to qualify for such a loan, you will need to meet some important criteria such as being of age, resident of the US, having a regular monthly income, and some lenders even require you to have a minimum credit score. Also, you will be asked to provide personal and banking information along with documentation to verify your identity.

Q3. Can you get a personal loan if you already have one?

The answer to this question depends on several factors.

In order to apply for another personal loan, the lender will reassess your credit history and check whether there are any changes. If you manage to make your payments on time, and if the large portion of your income doesn’t go into the personal loan, you will most likely be accepted for another loan.

If you make all of your payments on time, your credit score will improve, and you will also be able to get better terms on the new loan.

Q4. How are the interest rates calculated?

As we have already mentioned, the interest rates when obtaining a personal loan depend on one lender to another. With that being said, they are proportionate to the risk.

The lenders examine the borrower’s credit scores and evaluate whether they will be able to afford the loan. If the risk is low, the interest rates will be lower, but the loan will come with higher interest rates if the risk is higher.

Also, the lenders look for profit in terms of the personal loans they offer, so we can say that the interest rates are calculated by both the cost of the risk and the service. The interest rates are the amount of money you will need to pay for borrowing money without any fees.

On the other hand, APRs include all fees the lender can charge you, so by checking their range you can compare loan offers more easily.

Q5. Can personal loans improve your credit score?

Personal loans are not intended to improve your score, but they can definitely help you increase your credit rating. If you succeed in making your payments on time, the score is more likely to be improved.

Also, if you don’t have any credit score, such a loan can assist you in getting a positive payment and credit history. On top of that, if you use your loan to pay off your credit card or other debt, the score can improve.

However, if the loan only adds to your debt and you don’t succeed in making regular payments, then your credit score may be negatively impacted as well.

Q6. Is it safe to apply for a loan online?

Applying for a loan from an online platform is safe as long as you request a loan from a reputable lender. Therefore, before you make any decision, it is necessary to check whether the company and the site are legitimate.

Another way to be safe is to look for an online lender that implements security measures such as encryption technology, two-factor authentication, and other security measures for your personal and banking information.

It is also advised to carefully read all the terms and conditions of the loan and be on the lookout for lenders that don’t check your credit history or ask you to make pre-payments before presenting your information.

Q7. What will happen if you can’t make a monthly payment?

If you are not able to make a payment on time before you miss the monthly payment, it is advised to contact your lender and let them know about your situation.

Having said that, it is significant to make all of your other expenses on time, as the lenders are most likely to work with you if you don’t fall behind on all of your payments.

If you are about to miss your monthly payment, the lender may propose a new date. Still, if you fail to make all of your payments on time, the lender can also report your payment history to one of the major credit bureaus, which will negatively impact your credit score.

Q8. What are the advantages of applying for a loan online?

Applying for a personal loan online can save you both time and effort, given that you can apply for such a unsecured loan from the comfort of your own home in just a couple of minutes. The financial services such as the ones that we have reviewed offer a fast application process and the timeframe for loan approval is very fast as well.

The whole loan process is online, so you don’t have to go from one lender to another to submit paperwork. Moreover, by applying online you will have an opportunity to view and compare several loan offers and sign online using an e-signature. The platforms for applying for a loan online such as the ones on our list are also very user-friendly, and they implement security measures to protect the user’s personal and banking information.

Final Words On Getting Personal Loans

In life, unexpected events and expenses often occur, so financial difficulties will arise if you don’t have any savings.

In that situation, looking for a personal loan might be the best solution. However, going from lender to lender, waiting for hours to submit your paperwork, or waiting with others to get accepted for a loan by a financial institution is not always the best decision.

In that case, opting for a debt consolidation loan is necessary, but not all online lending companies are reliable and genuine. For that purpose, we have set strict criteria to find some of the best online lending platforms based on the service and loan terms they offer.

We hope that this article will guide you through personal loans and help you make an informed decision. Don’t forget to check all of the lending companies in our review and select the most suitable one for your financial needs.

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The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.

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