Easy Loan Process
Fill Out Application
Application takes up to 5 minutes. You will need to complete the following information: name, address, contact info, employment info, driver's license, bank account info, and social security number
Info Sent to Lenders
Your information is shown to 1000's of lenders in a matter of seconds. Based on the your specific information and guidelines the lenders make a decision.
Funds Directly Deposited
Once a lender is selected you will be contacted by them. A document will be sent to you to be eSigned and the funds will be wired to the bank account you provided.
Personal Credit is not a lender, as such, we do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders - the APR range is from 5.99% to 35.99% Max APR.
If you are not eligible for a standard loan product (5.99% to 35.99% APR), the lenders may offer you an alternative product for you to consider based on your specific circumstances.
Important Information: Some lenders and services may not be accessible to residents of all States based on lender's preferences and legislation particular to that State.
Examples of APR, Costs & Fees
|Loan Term||12 months||24 months||36 months||48 months|
For example: the $2,000 representative loan above with a 24-month term and a 5% origination fee would have a total cost, including the 5% origination fee ($100) plus interest, of $519.68 and a total payback amount of $2,419.68.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. Personal Credit is not a lender and does not make loan or credit decisions. Personal Credit connects interested persons with a lender from its network of approved lenders. Personal Credit does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. Personal Credit receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Personal Credit's service is always free to you.
This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where Personal Credit does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Personal Credit does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to Personal Credit, you are giving lenders in Personal Credit's network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.
Lender's Disclosure of Terms.
The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender's internal policies, underwriting criteria and applicable law. Personal Credit has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Lenders are required to follow the Fair Debt Collections Practices Act and related state law when collecting money from you.