Best Personal Loans

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John Brown

John Brown, Financial Analyst

Last Updated:

Best Personal Loans 2022

We’ve all had those nights where financial worries keep us from resting. We’re kept up by savings running low, bills piling up, ambitions being out of reach, or emergencies looming in the near future. The unstable geopolitical situation around the world, a pandemic turned endemic, and the aftermath of it all has made 2022 a year possibly more unpredictable than the previous ones.

Now more than ever we need some type of stability in our lives. This can seem difficult when our loans can’t keep up with our spending. Yet living paycheck to paycheck does not mean an inability to plan our finances better and take some of those worries off our minds. An improved money management strategy starts by first looking at all our needs and imperatives, and only then deciding on the best financing options available to us.

Around 24 millions of Americans had outstanding personal loans in the first quarter of 2022. Some of the reasons you may want to consider getting a personal loan include:

  • Best Personal Loans

    Credit card consolidation loans

    Handling too many lines of credit, each with a different interest rate? You can get a personal loan to cover those outstanding balances and make fewer payments, ideally at a lower rate too.

  • Best Personal Loans

    Balance transfer loans

    Move the entire responsibility of paying loans to a third party. Get a personal loan that pays all your creditors and keep the rest of the funds, if any.

  • Best Personal Loans

    Debt consolidation loans

    Can’t keep track of all your different loans and payment schedules? Take out one personal loan with fixed, regular payments at a rate that suits your needs and pay off what you owe.

  • Best Personal Loans

    Home improvement loans

    Repairs, remodels, and renovations may sometimes exceed your budget. A personal loan would give you the financial cushion needed to complete those major home projects.

Personal Loans for Bad Credit

Even if you don’t have any current debt, taking out a loan for personal reasons, while ensuring you can repay it, may help improve your credit score. A poor credit score alone would not affect your ability to get a loan, especially if you can provide some collateral. Our lenders understand that each person’s financial situation is different. Your credit history is only one of the factors they consider when making an offer.

Personal loans online with no credit check

Most lenders require credit checks prior to making a loan offer. That said, besides your credit history, they will also look at your income, existing loans, and multiple other factors to determine the offer amount and payment terms.

Best Personal Loans

Small personal loans for bad credit

Through a personal loan, even with no collateral, you could receive up to $5000, deposited directly into your bank account. To find out how much you can qualify for, fill out our no-obligation form at, and find a trusted lender who is ready to work with you within minutes. Here are a few more reasons why you should use

  • Secure – our lenders take data protection measures to keep your personal information out of the wrong hands
  • Convenient – connect with a lender online and avoid having to explain your situation, scheduling appointments, or driving places
  • Private – only the lenders in our vetted network will have access to your information
  • Free – we don’t charge you any fees for using our services to find a lender

How to Get A Personal Loan Today

Life inevitably brings about financial challenges and emergencies. In those moments when you need personal loans asap, is a convenient solution to try out. Through our easy, online form, you can find an offer for a personal loan in minutes. It is one of the quickest ways to get the money you need. Once you prequalify for a personal loan online, you can get in touch with the lender to answer any remaining questions and continue the process. If all your documents check out, your money can be in your bank account as soon as 48hrs. So, if quick personal loans are what you need, start by filling out our form and get in touch with one of the lenders in our network.

What documents you need to get a personal loan

In order for a lender to make you a loan offer, you need to meet a few basic requirements:

  • Be at least 18 years of age
  • Own a valid, government-issued ID
  • Have a social security number
  • Provide your bank account information for deposit purposes
  • Have a legitimate source of income (employment, social benefits, allowance, etc.)

While our online form will not ask you to upload any documents, your lender might require them afterward. They may also ask for additional information. For example, if you are self-employed, you would need to provide proof of residence and/or residence ownership. To ensure you receive your money as soon as possible, try to prepare most of these documents in advance.

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Get Your Best Personal Loan in 3 Steps

You can start your loan request in 3 easy steps:

  • Best Personal Loans
    Fill out our quick, online form at
    Once you’ve answered around 30 brief questions, you’ll be redirected to a loan offer within minutes.
  • Best Personal Loans
    Review the loan terms and conditions carefully
    Make sure you understand and agree to all the terms of the loan agreement. If you are not satisfied with the offer, you may decline it and fill out the form once more to find another lender.
  • Best Personal Loans
    Accept the loan offer
    If you agree to all the terms and conditions, then simply accept the offer and continue the process from the lender’s website, where you’ll be redirected.

How Much You Can Get With A Personal Loan

Your loan offer will depend on a number of factors, including but not limited to credit score, pre-existing loans, and income level. Without providing any collateral, most lenders will likely make you one of the following offers.

  • $500 personal loan
  • $1000 personal loan
  • $2000 personal loan
  • $5000 personal loan
  • $500 personal loan

    If you simply need some quick, emergency cash, a payday loan of up to $500 might be the best solution. You can qualify for such small loans even with a poor credit history. So do not hesitate to try.

  • $1000 personal loan

    Most lenders want you to be able to pay back your loan. A $1000 loan offer is a good middle ground between taking care of pressing issues and not defaulting on your payments.

  • $2000 personal loan

    Amounts of up to $2000 qualify as installment loans, with a payment schedule and fixed rate. You and your lender may discuss these terms in detail once you’ve accepted their offer.

  • $5000 personal loan

    With a good credit history and a decent, regular income, you may qualify for up to $5000 in personal loan funds. Interest rates are generally better with these types of loans, as well.

Frequently Asked Questions

Is it hard to get a personal loan?

It absolutely depends on your financial circumstances. It is easy, however, to send out a request for a loan through our quick, online form and find out how much you can qualify for.

What are current personal loan interest rates?

Your rate will vary based on each lender, as well as the amount offered and your current credit history. In general, with a decent credit history and a higher loan amount, your interest rates will also be lower.

Can I take out multiple personal loans?

While not impossible, taking out a personal loan while one is already outstanding is uncommon. Lenders have the ability to see your pre-existing loans after a credit check, but they may still decide to make you an offer even if you haven’t paid them out yet.

What are guaranteed personal loans?

While no loan is guaranteed, most lenders are able to offer some type of financial assistance. If you have not received an offer or do not like the offer you’ve received, you can always refill our online form and find another lender.

What is the minimum amount for a personal loan?

Most lenders do not go below a minimum of $100. However, a good credit history, income, or collateral can help you obtain upwards of $500.

What is the largest personal loan I can get?

In general, without collateral, you may get up to $5000 in a personal loan. With collateral, that amount could go up to $20000.

Will I get approved for a personal loan?

If you meet the criteria above, you stand a good chance of receiving a loan offer within minutes. At that point, you’ll be in contact with your lender directly to discuss all the steps required for approval.

What happens if you don’t pay a personal loan?

We always recommend reviewing all loan terms and conditions carefully, prior to signing any agreement. The worst-case scenario, if you default on a payment or cannot repay your loan, would be that your account goes to a collections agency. From there, you’ll be dealing directly with them and your credit score will likely be impacted.