Personal Loans

Personal loans are a great alterative to payday loans, and they are also a great way to establish or re-establish your credit. Every personal loan lender with whom we are associated specializes in working with customers who have bad credit or no credit.

Personal Loan Amounts

Personal loan amounts can start as low as a few thousand dollars. Our lenders will usually be able to lend you a maximum of $15,000 as an unsecured personal loan. These loan amounts will vary depending upon your situation, so be sure to fill out an application online – this way, you will know the amount for which you qualify.

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Personal Loans Interest Rates

Personal loan interest rates vary widely but will usually be somewhere around 20-28%. If you have bad credit or no credit, you can expect a loan rate to be somewhat higher, around 26-28%. While these rates may seem high, they are very cheap compared to payday loan interest rates.

Disadvantages of Personal Loans

The one main disadvantage to personal loans, compared with payday loans, is speed. With a payday loan, you can be approved online within minutes of submitting your application and have the money in your checking account the next day. With a personal loan, it could take up to a week or more before you see any money. With a little bit of planning, a personal loan can be a great alternative to a payday loan - and if you are already deep in debt to a payday lender, a personal loan will help you get out of debt.

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