Unsecured Personal Loans Guaranteed Instant Approval

Loans for employed or self employed with Bad to Excellent Credit

 Completely online Personal Loan direct lenders

Best unsecured loans online with no collateral , instant decision with quick approval, hassle free procedures, fixed rates & terms, and low origination fees.

These direct personal loan lenders allow borrowers to check rates & terms with no hard check on your credit rating. The terms are also often more favorable with monthly or bi-monthly installment payments than what you’ll be offered at your local bank or credit union.

So how do you choose the best personal loan option? It depends greatly on your current FICO score, income and debt-to-income ratio (DTI).

The following instant personal loan direct lenders will be the best options for most borrowers. Personal loans online offer a Proprietary Credit Model Technology allowing lenders to say “yes” when other traditional and non-traditional banks/credit unions say “no”.

Keep in mind that the actual APR you will be offered depends on your FICO score and the length of the loan, and your FICO score is also usually the main factor in the origination fee you are quoted.

Unsecured Personal Loans ~ Guaranteed approval online for

  • Fair credit & above: For the credit score 600 above, lowest interest rates, max loan amount. Lenders consider them as potential borrowers. See below.
  • Bad credit, Up to $5000 loan, low APR with monthly or bi-monthly payments. Best for the people under 600 credit score. See below
  • Loan with No Credit Check $500 to $4000: Available only in few select states, rates lower than payday. Term up to 2 years. See below
  • With Poor Credit (450 to 550 credit): Need extra cash before payday? Get the emergency cash you need in one hour or less! Users can apply for up to $1000 today, applying is quick and easy and receiving funds can be even quicker! Visit here.

Instant Unsecured Loans for Self employed (Bad Credit OK) with no doc: Must have a business checking & online service accounts like paypal, quickbooks, amazon, ebay etc. Can get loan up to $150,000 same day, payback in easy monthly installment. No origination fee. Visit here to get business loan instant

Personal Loans Guaranteed Instant Approval: 

Top p2p lending site, estd in 1998, with many personal loan direct lenders available at personalloans.com, for various credit scores and monthly income.

Personalloans.com goal is to provide low rate to fair to excellent credit consumers through unique data modeling.

With best online personal loan lenders at one place means, users will get a better deal on loans and be able to compare multiple personal loan rates in minutes! it won’t affect your credit ratings.

It is a solid guaranteed loan option for those with fair credit or above. You can take out a loan ranging from $1,000 to $35,000 over a length of 90 days to 6 years. The minimum required credit score is only 600.

Instead of shopping around for a personal loan lender, apply online here at  personalloans.com and find the online personal loan rates without hard credit check.

Personalloans.com Online approval Review:

With just one hassle free online loan application to fill in, take few minutes to complete, to get the best loan, term, and rate as per your eligibility and requirements from direct lenders, that’s from a soft check.

Fill out the online loan form with valid information like name & address, loan amount, driver license number, employment details, SSN, & credit score.

Online loan lenders review your application in real time.

Instant approval decision within few minutes. Direct personal loan lenders will use your social security number (SSN) to do a soft inquiry on your credit.

A soft inquiry won’t affect your credit score. This will help lender to make sure that you are really you. Compare personal loans, rates and terms based on your state, credit score, and monthly income.

The APR ranges from about 5.99% to 36%, with an origination fee 1% to 6%. Loan deposited to your bank account within 1 to 3 business days.

  • No prepayment penalties.
Online Personal loan lenders terms and requirements:
  • No cost, No obligation to use their loan website.
  • Have a min monthly income $2,000 after tax.
  • Must be employed or self-employed or social benefits.
  • Need a checking account.
  • Show proof of income (bank statements or paystub).
  • Driver’s license and SSN is a must.
Visit Personalloans.com

Guaranteed Approval Bad Credit Loans Direct Lenders:

Borrower’s under 600 credit score can apply online to know your approval, rates, and terms instant, from all the top bad credit loan lenders using just one loan application with no affect on your credit rating.

  • Not available for NY residents.

With direct loan lenders, people with bad credit,  having regular source of income will get an approval and better rates compare to other traditional lenders!

You can get a loan in just three easy steps: Complete the secure online form, review the offer presented and receive funds into your account.

  1. BadCreditLoans.com, is another option for those with bad credit, with 100s of direct lenders associated with it. They offer flexible APR for borrowers with min 550 credit score & above.
  2. Direct lender Opploans, a BBB accredited installment loan company, provides monthly or bi-monthly repayment loans for bad credit borrowers. Opploan APR is 125% cheaper than payday loan

Bad Credit Personal Loans Guaranteed Approval:

BadcreditLoans.com helping people with bad credit and a best place to get small personal loan for bad credit rating. Must have a min monthly income $1,000 after tax to apply.

This bad credit online loan platform helps borrowers to get low interest rates or provide unsecured loans to individuals who have been refused by traditional banks.

With pickalender.com which is available 24/7, users can reach out to some of the most extensive lenders network with just one click!

  • Loan $500 to $5,000
  • Repayment terms payday to 3 years
  • APR based on your state, credit score and monthly income
  • No cost to check your rate.
Guaranteed Bad Credit Personal Loan Requirements:
  • Be at least 18 years old.
  • Provide SSN & Driver’s license numbers.
  • Must have a regular income; Employee or self employed
  • Income from disability or social security benefits accepted.
  • Have a valid checking account & email address.
  • Provide both home and work telephone numbers.

Simple online loan process made to connect you with lenders network. Submit your loan request and your information will be verified in real time. Wait for few minutes to know your approval rates, terms.

Visit BadCreditLoans.com

Guaranteed Unsecured Personal Loans No Credit Check:(Accredited)

OppLoans that’s competing with traditional payday loan lenders, claim to be trying to accomplish just that by providing lower APR than payday lenders.

Installment loan lender OppLoans says that it provide short-term loans without hidden fees and high interest rates, so that people in a financial crisis can find a solution that won’t send them cycling down into deeper debt.

Guaranteed Loan Approval No Credit Check:

Instead of offering brick-and-mortar stores, OppLoans has a website home front. And it still evaluates applicants rather than just loaning to anyone.

The lender does not check your credit score from the three major credit bureaus for approval. But instead of reviewing credit scores, like a bank would, it uses publicly available information such as Clarity Services, Inc., a credit reporting agency. With that data about you provided by Clarity Services, a bureau that collects information on consumers with low credit scores, Opploans evaluate risk potential.

Lender also asks your bank statements to get a picture of your cash flow.

To get no credit check loan up to $4,000 at opploans installment loan requires its eligible borrowers to have min $1,500 monthly income after tax and have been employed with the same job from the past 3 months.

Opploans review:
  • Best for the borrowers with a credit score 560 & above.
  • Must have active checking account and live in the following states.

installment loans near me

  • Must be above 19 years & have a traditional bank account in your name the past 90 days.
  • Must have driver’s license, SSN and receive paychecks through direct deposit.
  • term 3 months to 24 months.
  • APR 99% to 199%
  • Loan example: Assuming you applied for $3,000 loan at an estimated APR of 160%, for 15 months, your estimated monthly repayment will be $472.

Visit here to apply at opploan’s installment loan and get up to $4,000 tomorrow.

  • Lender reports payments to all three major credit bureaus, so your score can increase if you make on-time payments.

This is why companies like OppLoans are so important to the financial lending market. Not only do these companies give much better options to people with bad credit, but they create market forces that make offering commodities like education about getting out of debt something worth fighting over.

Helping the customer rather than taking advantage of the customer is becoming a necessity for staying competitive in the loan market. That makes this new type of online loan company a win-win for everyone.

Guaranteed Unsecured Personal Loans Direct Lenders Only:

Personal loans guaranteed approval for good to excellent credit. Can get lower interest rates on personal loans, higher loan amount with flexible terms & low origination fee. In some cases, your loan can be prequalify, approved and funded within 24 hours.

Prosper Personal Loans Review:

Prosper is the market leader in peer-to-peer lending—a popular alternative to traditional loans and investing. Prosper cuts out the middleman to connect people who need money with those who have money to invest.

Borrowers choose a loan amount, purpose and post a loan listing. Investors review loan listings and invest in listings that meet their criteria. Once the process is complete, borrowers make fixed monthly payments and investors receive a portion of those payments directly to their Prosper account.

  • best for borrowers to consolidate high interest credit cards
  • Min monthly income $4,000 after tax
  • Checking your rate doesn’t affect your credit credit ratings.

Prosper targets borrowers who are both high-income and have good credit. Like Lending Club, it’s a central clearinghouse that matches interested individuals or financial institutions to your request.

You’ll need a minimum FICO of 640 to be approved. They offer their customers low origination fees, ranging from 1% to 5%, but the APR range is a more standard 5% to 36%.

Prosper terms and conditions:

  • You name your desired APR, and lenders opt whether or not to accept.
  • Personal loan from $2,000 to $40,000
  • There is NO hard pull of your credit as part of the application process
  • Min 5 working days to get funded.
Visit Prosper.com

LendingPoint Personal Loans Review:

You won’t get the best terms, but can be approved with a FICO as low as 640 and an annual salary of $30,000. Your APR will be between 15.5% and 35%.

You may pay an origination fee 1% to 6%, but some loans are not subject to this fee. Loan amounts range from $2,000 to $25,000 over a payback period of two to four years.

Lending Point was founded in September 2014 and introduced its personal loans product to the market in December 2014.

It is a consumer finance company focusing on an overlooked customer base underserved by traditional lenders.  Lending Point’s customer base is typically in the 640-699 FICO score range.

LendingPoint Personal loans terms and conditions:
  • LendingPoint is only available in 38 states
  • Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia,Hawaii Idaho, Illinois, Iowa, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota.
  • Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, South Carolina, Tennessee, Texas, Utah, Virginia, Washington
  • Customers with discharged bankruptcies are eligible to apply.
  • Late fee $30
Apply Online Here
BestEgg Personal Loans Online Review:

BestEgg targets borrowers who aren’t necessarily high-income, but who have a good established credit history. You’ll need a minimum FICO score of 640 to be approved. The APR rate ranges from 6% to 30%, and you can borrow from $2,000 to $35,000. Interestingly, BestEgg only lets you select a repayment term of either three or five years. Origination fees range from 1% to 6%.

BestEgg terms and conditions:

  • The $15 late fee is among the lowest in the industry
  • Most loans are funded within 24 hours of approval, and nearly all within 48 hours
Apply Online Here
Lending Club Personal Loans Online Review

Lending Club matches a mix of financial institutions and individual investors to their loan customers. The company acts as a middleman and handles your payments and enforcement of the terms.

It is more of an “upmarket” option, targeting customers with an annual income over $50,000 and with a credit score around 700 (though they will accept scores as low as 620). They feature the widest range of APR options (from 5% to 35.89%) and loan amounts ($1,000 to $40,000). The origination fee can range from 1% to 6%.

Lending Club terms and conditions:

  • Because Lending Club has to match your application with interested investors, the total time to get your money is a little longer than with other lenders. Expect to wait at least a week after applying to see money in your account.
  • Direct payments can be made to your creditors
Apply Online Here
Marcus Personal Loan Reviews:

Marcus is a Goldman Sachs division that covers a wide range of lending needs, but they have a personal loan option that is ideal for credit card consolidation. It’s available to borrowers with FICO scores in the “good” range (usually at least 640).

The biggest benefit to this loan is that there’s no origination fee whatsoever. The APR range is also very competitive at 7% to 24%. Loans are from $3,500 to $30,000 for two to six years.

Marcus Loan terms and conditions:

  • After 12 months of on-time payments, you can opt to “defer” one payment – basically skipping the payment and adding a month to the back end of the loan, with the interest for the skipped month waived.
Apply Online Here

Payoff Personal Loan For Debt Consolidation Review: 

Payoff specializes exclusively in credit card debt consolidation loans. The service focuses on borrowers who have large amounts of debt, but also have good credit they want to preserve.

The minimum FICO to qualify is usually 660, a little higher than most other lenders. The minimum loan amount is also larger than usual at $5,000 (with a maximum of $35,000). APRs are among the more favorable at 8% to 25%, with an origination fee of 2% to 5%.

Payoff loan terms and conditions:
  • All borrowers have access to a team of “member advocates” for financial advice, and who will work with you to create a repayment plan if there is an emergency.
  • You are also given free monthly access to your “big three” FICO scores with every loan.
  • Time to Receive Funds: Varies
  • Loans are NOT offered in: MA, MS, NE, NV, OH, AND WV
  • They have a team of financial services professionals, research and clinical psychologists, data scientists, neuroscientists, Member Advocates and technology experts working together to better understand and accelerate people’s journey toward financial wellness.
Apply Online Here
Which Personal Loan is Best?

The lack of origination fee combined with the ability to skip a month at no penalty makes Marcus the front-runner, though you’ll need good credit and a middle-class income to qualify.

If your FICO score and income is low, you’ll probably have to decide between opploans (if available in your state) and Badcreditloans.com, though you can still save money over the long term with each.

Suppose Marcus doesn’t work for some reason, but you’re otherwise well-qualified, Personalloans.com will probably get you the best APR. If you’re anticipating difficulties in making your payments at some point, however, Payoff seems to be the most flexible about adjusting your terms on the fly.


In fact, whether dealing with a payday loan or an online personal loan that purports to offer friendlier private loans, you should still always read the fine print.

The National Consumer Law Center recently reported that many of these “better” online loan providers still end up with hugely high interest rates. They may not charge the same fees and they may offer more flexible repayment plans, but the risky nature of the loans means that many may still end up with high interest rates.

For now, the best gift these new lenders offer is helping vulnerable people stay out of the hands of  loan predators. Over time, the combination of more stringent laws and market competition may lead to even more options, forcing companies to offer even better alternatives to the particularly needy.

So the forces are already taking shape. The NCLC reported that in January, seven more banks left the payday loan business completely after facing increasing regulations.