Unsecured Personal Loans Guaranteed Instant Approval

 Get $100 to $40,000 Loan for Bad to Excellent Credit Direct Lenders

Many unsecured personal loan lenders now offer online applications and very quick approval. In some cases, your loan can be prequalify, approved and funded within 24 hours.

These personal loan lenders allows you to check rates & terms with no hard check on your credit rating. 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.

Here are Guaranteed Unsecured Loans Options Online:
  • Personal loan with bad credit Up to $5000, APR under 36% with monthly or bi-monthly payments. Best for the borrowers with min 580 credit. See below
  • Online Loan No Credit Check $500 to $4,000: Available only in few select states, rates lower than payday. Term up to 2 years. See below
  • Personal loans for fair credit & above: For the credit score 620 above, lowest interest rates, max loan amount. Lenders consider them as potential borrowers. See below.
  • Bad Credit Payday loans min 480 credit score: 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.

Before you proceed with each individual lending company below, borrower’s under 580 credit score can apply online 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

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.

Fair Credit Personal Loan Lenders:

Best personal loan options for fair to excellent credit is available at GuidetoLenders, with easy approval process, with hassle free procedures, fixed rates & terms, and low origination fees.

GuidetoLenders Personal Loans Review:

Top p2p lending site, with many personal loan lenders available for various credit scores and monthly income.

With GuidetoLenders.com, users will get a better deal on loans and be able to compare multiple personal loan rates in minutes! won’t affect your credit ratings.

It is a solid loan option for those with fair to excellent FICO scores. You can take out a loan ranging from $1,000 to $40,000 over a length of 90 days to five years. The minimum required credit score is only 600.

Instead of visiting or shopping around for a personal loan lender apply online everywhere, just visit guidetolenders.com and find the best personal loan without hard credit check.

This will not only saves your time but also there won’t be any affect on your credit ratings. Some of the top personal loan lenders listed at Guidetolenders.com are as follows:

  • Marcus by Goldman Sachs
  • LendingClub
  • LightStream
  • Avant Credit
  • Sofi
  • Prosper
  • Payoff
  • BestEgg
  • OneMain financial
  • ………. & More.

With just one online personal loan application, you will get the best loan, term, and rate as per your eligibility and requirements from direct lenders, that’s from a soft check.

The APR ranges from about 4.99% to 36%, with an origination fee 0% to 6%. Though these are toward the high end of consolidation terms, they’re consistent with what borrowers with credit difficulties are generally offered.

  • No prepayment penalties.
GuidetoLenders.com Reviews on terms and conditions:
  • After completion of online application, your loan options will be available along with rate, terms, fees etc within minutes.
  • No cost, No obligation to use guidetolenders.com website.
  • Have a min monthly income $2,000 after tax.
  • Must be employed or self-employed or social benefits.
  • Need checking account.
  • Show min 3 months proof of income (bank statements or paystub).
  • Driver’s license and SSN is a must.
Visit GuidetoLenders.com

Direct Lenders for Bad Credit Personal Loans:

One such direct lender is Opploans, a loan company, provides monthly installment loans for bad credit borrowers. Opploan APR is 125% cheaper than payday loan.

Badcreditloans.com, estd in 1998, helping people with bad credit to get a loan, with 100s of direct lenders associated with it. They offer APR under 36% for borrowers with min 580 credit score.

Loans For Bad Credit Direct Lenders Review:

Badcreditloans.com so far best place to get small personal loan for bad credit borrowers. Must have a min monthly income $1,500 to apply.

  • Loan $1,000 to $5,000
  • Repayment terms 3 month to 36 months
  • Loan APR under 36%: based on your credit score and monthly income
  • No cost to check your rate.
BadCreditLoans.com Requirements Review:
  • 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.
BadcreditLoans.com Process Review:
  • Simple online loan process made to connect you with lender network. If lender accepts your loan request, then lender will verify your information in real time.
  • Based on your information given, a lender will respond to you with a loan offer. Please take your time to review all the details before you accept it.
  • You can reject the loan offer, if it’s not right for you as there is no obligation to accept.
  • When you decide to accept the loan offer & agree to the lender’s terms then e-signature the agreement.
  • Once you put e-sign the agreement, they will distribute the loan to your checking account via direct deposit.
  • Funds will be available within 1 working day. But, the exact time frame will depend on your lender’s deposit process.
  • Pay back in easy monthly or bi-monthly installments.
Visit Badcreditloans.com

Bad Credit Online Loans No Credit Check, Review:

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.

Instead of offering brick-and-mortar stores, OppLoans has a website home front. And it still evaluates applicants rather than just loaning to anyone. But instead of reviewing credit scores, like a bank would, it uses publicly available information such as Clarity Services, Inc., a credit reporting agency to evaluate risk potential.

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.

Online Installment Loan Direct Lender Requirements:

No credit check loan is best for the borrowers with a credit score 550 & 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.
  • 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 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 opploans 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.

Good Credit Personal Loans Online:

Can get lower interest rates on personal loans for good credit, higher loan amount with flexible terms & low origination fee.

LendingPoint Personal Loans 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 640 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 640-699 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”.

It extends personal loan offers to customers, which its competitors neglect. 25% of the time Lending Point’s funded customers are not received offers from other lenders.

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
Visit LendingPoint.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%.

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
Visit Bestegg.com
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
Visit Lendingclub.com
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.
Visit Marcus Personalloan.com

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.
Visit Payoff.com
Prosper Personal Loans Online 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%.

Prosper 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
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, LendingPoint 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.