Find personal loans online to meet your needs

Take advantage of our network of reliable lenders and partners, and you could be eligible for online loans up to $40,000 for both bad and good credit scores. Our service is free and will not affect your credit score.

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Avant, Inc
Freedom Financial Asset Management, Inc. dba FreedomPlus
LoanHunch
Marcus
Payoff, Inc

How It Works

COMPLETE OUR FORM
Answer a short set of loan-related questions.
VIEW RESULTS
You will get an answer within a few minutes of submitting your loan request.
RECEIVE FUNDS
Some loan customers may receive funds in as little as one business day.

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Our loan-finding service is free to use, and there are no obligations required.
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We work with many reputable lenders and lending partners.
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We follow all of the rules and regulations associated with helping customers find loan products online.

Learn more about the reasons why people use personal loans.

Personal loans based on your credit score.

Preparing to Take Out Personal Loans

Before you take out longer-term financing, you should define your specific goals. One goal will be paying back the borrowed money. However, you should include other goals as well, like eventually reaching a point where you are entirely debt free. If you continuously borrow money to pay off debt, it may become harder to escape the cycle. One of the main reasons to plan out your goals before taking out more money is to come up with a plan to eventually get out of debt.

As you work toward figuring out how to get ahead financially, you should be able to determine how much you can afford to pay your creditor each month. You do not want to get into a situation where what you are required to pay becomes a burden.

After defining your goals, you will be ready to calculate your ideal loan term and amount. Remember, it is wise to work toward getting out of debt and finding yourself in a better financial position. Those who enter into a loan agreement with their eyes wide open will be much more likely to pay off their debt on time.

Once you know how much you can afford to borrow, you can begin to plan and prepare for the repayment process. Be sure to write down your loan plan so you can refer to it later. Start making tightening your budget even before you receive your loan money. You should already be your best financial self by the time your loan’s first due date arrives.

Benefits of Using Longer-Term Financing

You have options. Using your credit card is one alternative to borrowing money through a loan. While defining your specific goals, you may have determined that adding more credit card debt to your life was not a sound financial decision. Other benefits of using longer-term financing may include the ability to shop around a find an interest rate that is right for you, working with a provider who offers a loan term that fits with your monthly budget, and having the freedom to pay off the loan over time.

Possible Requirements to Receive Funding

You will need to meet basic lending requirements before a provider will work with you. You should have a reliable and regular cash source. Ideally, this will be through a job that provides a steady income. Your provider will likely require that you make at least a certain amount each month.

You should be a U.S. resident who is at least 18 years old. You should be ready to prove this with the appropriate identification.

Your provider may want to transfer your loan money into an active bank account that is in good standing. While prior bankruptcy or charge-offs may not automatically disqualify you, it will be much harder to find funding if you have suffered these financial setbacks. Your provider will likely look at your credit history. Some providers may require you to be above a certain credit score.

Start your search for a personal loan by answering some easy questions
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Advertiser Disclosure

The offers that appear on OpenLoans.com are from companies from which OpenLoans.com receives compensation. OpenLoans.com does not make loan offers, but instead pairs potential borrowers with lenders and lending partners. We are not a lender, do not make credit decisions, broker loans, or make short-term cash loans. We also do not charge fees to potential borrowers for our services and do not represent or endorse any particular participating lender or lending partner, service, or product. Submitting a request allows us to refer you to third party lenders and lending partners and does not constitute approval for a loan.