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Personal Loan

Personal Loans

Explore Your Lending Options

Personal loans are often nicknamed ‘signature’ loans because they don’t require collateral – just your signature. Fund your personal projects and pay for discretionary purchases with a consumer loan. If you have good credit, it’s easy to qualify!

Finance experts typically recommend using personal loans to fund projects that will increase wealth, including home improvement and debt consolidation. In most cases, personal loans are less expensive than credit cards. Interest rates for personal loans are determined by your credit score, income, and debt-to-income ratio.

Helpwithmyloan has a 95% loan approval rate, which is almost double the industry average. We work hard to connect you with the right lender and help you secure funding even faster. Our vetted network includes more than 300 financial partners with banks and private investors.

300+ Financial Partners

Highlight: Personal Loan Programs

Browse competitive rates and attractive loan offers from our vetted lending partners:

Loan Amount:
$25,000 – $150,000

FICO:
700 Minimum

Employment Type:

W2 Wage Earner
Self Employed
Retired

Rates:

Starting at 5.99%

Terms:

Year Fully Amortized Term

Contact Time:

24-48 hours to have a lender matched

Time to Close:

Close in 30-45 days

Loan Guidelines:

  • No Major Delinquencies
  • Recent Employment gaps or changes not allowed

Loan Breakdown

Use our loan calculator to estimate monthly payments, compare interest rate options, and calculate costs for different terms. Amortization schedules outline the total cost of principal payments and interest over time.

FAQ

What information do I need to apply for a personal loan?

Every lender and loan is different. Personal loans are funded based on your integrity and ability to repay the amount, so you will need to demonstrate verifiable income, proof of employment, and a stable credit history.

Click here to use our loan search engine and see what options are available to you in as little as 24 hours.

How large are personal loans?

Personal loans start at $1,000 and can extend up to $100,000. Each state has different regulations and rules about personal loans. We can help you confirm the details.

What’s the average term length for a personal loan?

On average, you can expect to see term lengths ranging from 12 to 60 months. Longer terms have lower monthly payments, but you’ll pay more with higher interest costs. We recommend that you compare loan options to find affordable terms that fit your timeline.

Can I apply for a personal loan if I’m self-employed?

Yes – if you don’t have an employer, the lender will ask to review two years of tax returns instead.

Do all personal loans have prepayment penalties?

Not always, but most do. Lenders often charge prepayment penalties to compensate for their loss of expected revenue. Read the loan terms carefully and ask your lender for more information about added premiums.

Explore More Loan Types

Helpwithmyloan is a full spectrum lending platform. Looking for a different type of funding? We’ll help you search for the best loan and get approved even faster.

Residential Loans

Business Loans

Still Have Questions? Let’s Talk.

We’re eager to help you find the right lending options to meet your needs. Connect with a real person for one-on-one loan advice and support. Or start by filling out our fast, free questionnaire to apply for a loan and match up with our finance partners.