Unsecured Personal Loans Guaranteed Instant Approval

Bad credit OK, Quick decision, Fast funding Direct Lenders

Need a personal loan, Want to apply online? Here is the best companies that offer personal loans listed. These personal loan websites allows you to check rates & terms with no hard check on your credit rating.

Here are options for Personal Loans Online Approval:

  • Unsecured Personal loan for bad credit: at affordable rates. Pay back in monthly or bi-monthly installments. Best for the borrowers with bad credit history. See below
  • Personal Loans No Credit Check $1,000 to $4,000: Available only in few select states, rates lower than payday. Term up to 2 years. See below
  • Unsecured Personal loans for fair credit & above: For the credit score 600 above, lowest interest rates, max loan amount. Lenders consider them as potential borrowers. See below.
  • Payday Loans Online: 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! Apply below.

How & Where can I get a Personal loan Apply Online:

The easiest way to apply is through an online application. In some instances you can be approved in five to fifteen short minutes. The process is simple. You will go to the website you have chosen and click the application link. You should be transferred to a secure server where you will begin the application procedure.

The first screen will ask you to answer some preliminary questions; typically, there are only a few of these. They are generally easy ones regarding your name, zip code, credit score, personal and employment information. Additionally, you could be asked if you have a co-signer should one be necessary, and if so, his or her employment status.

At this point you will move on to the actual application which will require you to provide information about your loan amount, loan purpose, social security number, driver’s license, how often are you paid sections. There will also be sections for you to provide an address, type of accounts [checking or savings] information.

Note:  Individuals who have a Checking Account with direct deposit have a higher chance of getting approved.

You will be required to release banking information and may be asked to read and agree to specific terms and/or disclosures by placing tick marks in one or more boxes. An example of this would be verifying that you have read the Privacy Policy of a lender the website works with.

Once you have filled in all of the necessary information and agreed to all of the requirements of applying for a loan through the website, you will hit the “submit” button to complete the process.

The only thing left for you to do once you submit the application is to wait for a response which will tell you one of the following: you have been pre-approved, your loan requires a co-signer, your application has been declined or that it is pending review.

Before you proceed with each individual lending company below, borrower’s under 600 credit score can apply online here at www.pickalender.com to know your approval, rates, and terms from all the top bad credit loan lenders using just one loan application with no affect on your credit rating.

Visit Pickalender.com
Best Personal Loan Companies:

Many personal loan companies now offer online applications and very quick approval. In some cases, your loan can be prequalify, approved and funded within 24 hours. The terms are also often more favorable 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. However, even if none of these things are in great shape, there are still some lenders who may approve you and reduce your overall monthly payments.

Online Lending companies for personal loans:

The following lending companies will be the best options for most borrowers, as they cap APRs at 36% and keep origination fees to 6% or less. 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.

Personalloans.com (top P2P Lending MarketPlace, Since 1998) Review:

Personalloans.com is a solid loan option for those with lower FICO scores. You can take out a loan ranging from $1,000 to $35,000 over a length of 90 days to five years. The minimum required score is only 580, and that’s from a soft check. The APR ranges from about 6% to 36%, with an origination fee of 5%. Though these are toward the high end of consolidation terms, they’re consistent with what borrowers with credit difficulties are generally offered.

Special terms and conditions:

  • Late fees can be refunded if you make the next three payments in a row on time.
  • Must have a min monthly income $2,000 after tax.
  • peer to peer loans
  • Personal installment loans
  • Bank personal loan
Visit Personalloans.com
BestEgg Personal Loans Online 2019 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%.

Special 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
Visit Bestegg.com
Lending Club Personal Loans Online 2019 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.

Lending Club 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 600). 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%.

Special 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
Visit Lendingclub.com

LendingPoint Personal Loans Online 2019 Review:

LendingPoint is another option for those with poor or no credit. You won’t get the best terms, but can be approved with a FICO as low as 600 and an annual salary of $20,000. Your APR will be between 15.5% and 35%. You may pay an origination fee 0% 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. Lending Point’s goal is to provide fair rate to fair credit consumers through unique data modeling. 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 600-699 FICO score range.

LendingPoint offer a Proprietary Credit Model Technology allowing Lending Point to say “yes” when other traditional and non-traditional lenders say “no”. Lending Point extends offers to customers, which its competitors neglect. 25% of the time LP’s funded customers are not receiving offers from other lenders.

Special 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
Visit LendingPoint.com
Marcus Personal Loan Online 2019 Review:

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.

Special 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.
Visit Marcus Personalloan.com

Payoff Personal Loan For Debt Consolidation 2019 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%.

Special 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.
Visit Payoff.com

Personal Loans Online No Credit Check:

To get no credit check loan up to $4,000, direct lenders like opploans.com 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. No credit check loan best for the borrowers with a credit score between 550 to 620.

  • 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.
  • The lender does not check your credit score from the three major credit bureaus for approval, but it does check other data about you provided by Clarity Services, a bureau that collects information on consumers with low credit scores. Lender also asks your bank statements to get a picture of your cash flow.
  • term 5 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 www.opploans.com 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.
Prosper Personal Loans Online 2019 Review:

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 6% to 36%.

Special terms and conditions:

  • You name your desired APR, and lenders opt whether or not to accept.
  • Personal loan from $2,000 to $35,000
  • There is NO hard pull of your credit as part of the application process
Visit Prosper.com
Payday Loans Online for Bad to No Credit Score:

Get up to $1,000 based on your income and state you live in. Simple process, quick approval and funding. Term up to 14 days to 30 days max.

  • All USA states are accepted except for Arkansas, Connecticut, New York, Vermont and West Virginia.
  • Min $850 monthly income after tax
  • APR and loan amount vary by state.
Visit Paydaycashloan.com
Which Personal Loan is Best?

The lack of origination fee combined with the ability to skip a month at no penalty makes Marcus the frontrunner, 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.com (if available in your state) and Personalloans.com, though you can still save money over the long term with each.

If Marcus doesn’t work for some reason, but you’re otherwise well-qualified, Lending Club 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.