Broadly defined, a personal loan is a type of installment loan, which means that it is repaid over time with a set number of scheduled payments. It is also a form of loan that can be utilized for practically any purpose whatsoever.
This can be beneficial in any scenario where additional funds are required.
We do not charge any fee or cost to submit a loan request on PersonalLoans.com. The APR on a personal loan from our network of lenders can range from 5.99% to 35.99%, with loan durations between 90 days and 72 months.
The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by lender, and to accept.
the loan agreement made directly between you and the lender.

Representative Example: If you borrow $4,000 on a 2 year repayment term, the monthly repayment will be $182.74. Total repayment will be $4,385.74.

There are three types of personal loans available through our network: peer-to-peer loans, personal installment loans and bank personal loans.



    Typical Requirements:
  • Credit Score: 600+
  • Minimum Income: $2,000 per month, must be verifiable
  • Income Source: Employed or Self-Employed
  • Loan Range Given: $1,000 to $35,000

Peer-to-peer lenders connect borrowers directly to investors, rather than offering the loan themselves. A peer-to-peer or P2P loan means that you will be borrowing money directly from a person or company, rather than the bank. Peer-to-peer loans ensure that borrowers are paired with individuals looking to invest in a detailed note. Often your loan reason will be disclosed to the investors reviewing the notes available on the peer-to-peer lender system.

As the borrower, you will fill out a basic loan request form and post your desired loan amount. Investors will then view your listing and choose the one that best fits their specific needs.

Once a deal is brokered, you will make fixed monthly payments to the investor until your loan is paid off.

The entire process takes place online, so you will never have to leave the comfort of your own home. Requesting a loan only takes a few minutes, and if you qualify for a peer-to-peer loan you may be given a list of loan options to choose from.

Many borrowers prefer peer-to-peer lending due to lower rates.

You can borrow anywhere from $4,000 to $35,000 with a peer-to-peer loan, depending on your credit type. PersonalLoans is partnered with several peer-to-peer loan lenders and each lender has their own set of investors and terms. Peer-to-peer lenders often collect a loan origination fee of anywhere between 1 to 5% which is deducted from the loan amount given to the borrower.


    Typical Requirements:
  • Credit Score: 580+
  • Minimum Income: $2,000 per month, must be verifiable
  • Income Source: Employed or Self-Employed
  • Loan Range Given: $1,000 to $35,000

The personal loan installment loan process is also quick and convenient. You can request a loan online by providing basic personal and financial information. Your lender will provide you with a loan agreement individually tailored to your financial needs.

Once you accept the loan agreement, your loan will be deposited directly into your bank account. Again, review the terms of your agreement before you sign, as each lender will have their own specific repayment process.

Consumers are encouraged to research applicable Federal and state laws, and to ask their lenders for more information. If a lender is wholly owned and operated by a federally recognized American Indian Tribe and sovereign government, applicable Tribal and Federal law governs its loans and related contracts, applications and documents. For example, personal installment loans can vary by state. Each state has its own rules and regulations for personal loans, so your loan amount and rate will depend on where you live. Also, your loan amount, APR and length of loan may depend on a variety of factors that lenders use including your credit score and repayment history.


    Typical Requirements:
  • Credit Score: 580+
  • Minimum Income: $2,000 per month, must be verifiable
  • Income Source: Employed or Self-Employed
  • Loan Range Given: $1,000 to $35,000

A bank personal loan provides one-on-one local service to borrowers who would like to request a loan in person at their local bank. First by phone or in person and provide your personal information for the loan. Some banks even allow you to request a loan online as well. If you request a loan online you will likely be directed to the nearest local branch to complete the loan request process in person. After you are approved, you will either receive the funds at the branch or they will be deposited to your bank account.You may be eligible for a bank personal loan up to $30,000, and you can discuss the individual terms and payment options at your local branch. Most bank personal loans have fixed rates, and may provide you with money the same day, if approved by noon.



Our simple online loan request process is designed to match you with a lender from our network to best fund your loan. If successfully matched, you can receive the money you require in as little as one business day. You will then have anywhere from 6 to 72 months in which to repay your loan, depending on the terms provided by your lender. Lenders in the personal loan network have a representative APR range between 5.99% and 35.99%.

The entire process is safe and secure and works in these easy steps:

You fill out the simple loan request form here on our website, including how much money you would like to borrow, your credit type, and loan reason. The form will also require you to provide some basic personal, banking, and income information. This information will be used by us to determine what loan product you may be eligible for.
Shortly after receiving your loan request, our affiliate lenders will make a decision whether to approve your loan request or not based on the information given. If approved, you’ll be redirected to a lender’s loan agreement, where the lender will make their terms and conditions clear, including the amount you will need to repay and the repayment time frame. Make sure you understand key elements to your loan agreement, including the loan interest rate as well as the repayment terms before accepting the lender’s offer.
Shortly after you agree to your lenders’ terms the funds will be sent to your bank account. The exact amount of time it takes for your funds to reach your account will depend on the time of loan approval as well as the lender you work with, but in all likelihood you will receive the money within one to five business days, depending on your preferences and eligibility.
You will then be directed to the Account Center. When you log in, you will be able to change basic information such as your contact information and password. You may also submit another request for a personal loan with the click of a button and using your existing information.
We will also present other offers to you in the Account Center, depending on your account preferences. For example, we will soon be offering our customers credit report and credit monitoring services, as well as other products they may qualify for.


We understand that searching for a loan can often be a daunting and confusing task, especially given the wide array of options that are available.

We had this in mind when we created QuickFinance.com. Every aspect of our service has been designed and optimized with the customer in mind. We strive to offer you the most innovative and user friendly experience possible. Given that each individual lender is looking for a particular type of customer, many people end up getting turned down multiple times for any number of reasons – which can sometimes be as simple as living in the wrong state. What makes QuickFinance.com unique is that we have assembled the single largest network of responsible personal loan lenders available anywhere.When you submit a loan request on Quickfinance, our proprietary technology evaluates your request and searches for potential lenders.

With our simple three-step request, it has never been easier to find out if you qualify for the help you need, and enjoy financial security. If you have any questions, our in-house customer support team is standing by and ready to help.


The annual percentage rate (APR) is the annualized interest rate that you are charged on your personal loan. Quick Finance is not a lending operation and doesn’t provide loans, but it does refer consumers to reputable professional lenders who can provide quick and convenient loan assistance. We don’t charge fees for this service. PersonalLoans.com does not have the ability tell you what the exact APR that your lender will charge is going to be. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a personal loan. We recommend that you closely view the terms of any loan offer you get. If you should require help with any PersonalLoans.com–related services, you can contact us at your convenience.

Amount Period Monthly Total Paid
$2000 12 mo $180.52 $2166.20
$4000 24 mo $182.74 $4385.74
$6000 36 mo $199.29 $7174.29


QuickFinance is only partnered with professional lenders who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any personal loan offer. We recommend that you closely view the terms of any offer you get. If you get approved for a personal loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. As mentioned earlier, QuickFinance is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.


A personal loan, also called a signature loan, is an unsecured loan, which means you can borrow money with no collateral based on your credit. From consolidating debt to financing a purchase to improving your credit, people choose personal loans because interest rates are usually lower than credit cards, which can save you thousands of dollars.