Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

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Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers***. Loan term lengths from 3 to 72 months for qualified consumers.


If you are applying for a loan online, it is important that you choose a reputable company. Before you apply, here's a little bit of information to put your mind at ease.


What Constitutes a Personal Loan?

A personal loan is a financial instrument that enables an individual to access up to $10,000 in capital. It's a versatile loan that can be utilized for home upgrades, product acquisitions, automobile repairs, or substantial purchases. The duration of the loan, also known as the term, can extend up to 72 months, subject to the lender's discretion. Our straightforward online form steers clear of lengthy queries, instead, it requests your essential details and the preferred destination for the loan transfer. It's as simple as that!

What Are The Fundamental Prerequisites For a Loan?
  • Must be 18 years of age or older.
  • Must be a U.S. citizen or a permanent resident.
  • Must be currently employed or have a steady income source.
  • Must possess a bank account for receiving funds, ideally equipped with direct deposit.
Does It Involve Any Charges?

Services from PersonalLoansHere are always offered without any fees. However, this doesn't imply that the loan from your lender will be without charges. Your lender will impose fees and/or interest, and is obliged to furnish you with a full disclosure of their loan terms upon approval. It is your duty to thoroughly peruse the terms before affixing your signature to the loan agreement.

What Are Repayment Terms And APR?

The Annual Percentage Rate (APR) is a metric that denotes the cost of borrowing, represented as a yearly nominal rate. It pertains to the correlation between the value acquired by the consumer and the timeline and magnitude of the repayments. As we, PersonalLoansHere, are not a lender ourselves, we cannot assure any specific APR. The APR ranges from a starting point of 5.99% and caps at 35.99%. Personal loans come with a minimum repayment span of 3 months and a maximum of 72 months. Before consenting to a loan from a lender within our network, it's crucial to thoroughly review the loan agreement as the APR and repayment conditions may deviate from the information provided on this site.

When and How Should the Loan be Repaid?

The specific terms for loan repayment can be found in your loan agreement from your lender, as these conditions may differ with each loan.

Is My Personal Data Protected?

Yes, your privacy is of paramount importance to us, which is why we employ industry-standard encryption on our website to prevent any unauthorized third-party access to your information. You can refer to our privacy policy for more detailed information on this matter.

Disclosure of Annual Percentage Rate (APR) & Range (Qualified Customers***)

The Annual Percentage Rate (APR) serves as an essential indicator of the interest accumulated on a loan amount over a year, as it applies to borrowers. Expressed as a percentage, the APR represents the true annual cost of funds throughout the loan duration, encompassing any associated fees or supplementary expenses. By providing consumers with a definitive figure, the APR enables easy comparison of lenders, credit cards, and investment products. It is important to note that PersonalLoansHere, acting as a facilitator and not a direct lender, cannot guarantee any specific APR. Generally, APRs can range from 5.99% to 35.99%. Our loan products typically require a minimum repayment term of 90 days, with a maximum repayment term extending up to 72 months. Prior to accepting a loan from a lender within our network, we strongly advise reviewing the loan agreement attentively, as the APR and repayment conditions may vary from the information presented on this website.

Examples of APR, Monthly Payments & Total Costs (Qualified Customers***)

Amount Period APR Monthly Loan Cost Total Paid
$1000 12 mo 29.82% $30.84 $370.08 $1,370.08
$1500 12 mo 24% $53.68 $1,288.32 $2,788.32
$2000 24 mo 12% $32.09 $1,155.24 $3,155.24

Financial Consequences (Interest & Financial Charges)

PersonalLoansHere is not a lending entity, thus we cannot forecast the fees and interest rates that may be appended to any loan offer you may receive. Your lender will supply all necessary details concerning the financial implications of the loan they propose. You hold the responsibility of meticulously scrutinizing the loan agreement and only proceeding with the offer if you consent to all its terms. PersonalLoansHere does not impose any charge for its loan matching services, and you are not obligated to accept the terms provided by the lender.

Implications of Late or Non-payment

By affirming the terms and conditions of a personal loan, you essentially commit to repay the loan: 1) with the interest and 2) within the stipulated timeframe in the loan agreement. Generally, if the loan is not paid in full or if a payment is late, additional charges may apply. PersonalLoansHere has NO capacity to predict or calculate what additional costs will be levied in the event of late, partial, or non-payment. PersonalLoansHere has NO insight or control over any loan agreements or details between you and your lender.

We strongly advise you to meticulously go over the policies pertaining to late, partial, and non-payment that your lender includes in your loan agreement. PersonalLoansHere diligently collaborates solely with lenders of high trustworthiness and reputation, who employ fair and reasonable methods in pursuing the collection of overdue loan accounts.

Possible Influence on Credit Score

In order to assess your creditworthiness, credit standing, and/or credit capacity, our lenders may conduct credit checks. By submitting your request, you consent to our lenders verifying your personal information and reviewing your credit. It is important to note that failing to make a payment or making a late payment can have adverse effects on your credit score.

Debt Collection Practices

PersonalLoansHere is not a lender and, consequently, we have NO participation in the debt collection process. Your lender, as part of the lending agreement they provide, will disclose their debt collection practices. If you have any queries regarding collections, please reach out to the lender for comprehensive details. PersonalLoansHere works exclusively with reputable lenders known for their fair collection practices.

Legal Disclaimer: PersonalLoansHere functions as a link between borrowers and lenders or lending partners, hence the specific terms and conditions of the respective lender or lending partner will apply to any loan a borrower secures. We receive compensation from these lenders or lending partners for connecting you with them, and this compensation may influence the offer you receive. Displayed APR, loan sums, interest or other loan details are estimates, with actual amounts varying by lender or lending partner and by borrower. Please note that certain lenders or lending partners may conduct credit checks as part of their credit transaction approval procedure. It is crucial for borrowers to compare all available options before making any decisions, as the lender or lending partner they are connected with may not offer the most favorable terms. You might be connected with a tribal lender. Rates and fees of tribal lenders might be higher than state-licensed lenders and are governed by federal and tribal laws, not state laws. THE OWNERS AND OPERATORS OF THIS WEBSITE DO NOT FUNCTION AS LENDERS, LOAN BROKERS, OR MAKE CREDIT DECISIONS. Nothing on this website constitutes an offer or a solicitation to lend. Any data you submit to this site will be provided to a lender or lending partner. The operator of this website is not affiliated with any lender or lending partner, and does not act as an agent, representative, or broker for them. Furthermore, the operator does not endorse or charge any fees for any service or product.

Availability: Each state has its own set of rules and regulations that supervise personal loan lenders. The loan amount, APR, and repayment term are subject to variation based on your creditworthiness, state of residence, and the specific lender or lending partner you are connected with.

Material Disclosure: The operator of this website does not function as a lender, loan broker, or agent for any lender or loan broker. This website does not constitute an offer of credit nor a solicitation to lend. We are not affiliated with any lender. We function as an advertising referral service for lenders that might be capable of offering loans in amounts between $1,000 and $10,000. There is no charge for using our services. The loan request you submit on this website will be shared with one or more lenders. There's no assurance that you will connect with a lender, have your loan request approved by a lender, or be offered the loan amount you requested. Lenders may conduct a credit check to assess your creditworthiness or verify the information provided. Any compensation received by us is solely from lenders and advertising partners for the advertising services we provide. It is important to note that short-term, small-dollar loans should not be relied upon as a long-term solution for financial difficulties.

Policies on Loan Renewal

Please note that loan renewal options may not always be available. It is recommended that you seek clarification from your lender regarding the availability of this option. Before signing any documents, it is essential to thoroughly read and comprehend the renewal policy outlined in the agreement.


(*) On average, it takes approximately a few minutes to complete the online loan offer process, including the submission of your details, and receive a decision on your loan offer if approved.

(**) Once your loan is approved, the funds could be sent to you within 15 minutes. However, the exact time it takes for the funds to be deposited into your account depends on the policies and procedures of your bank.

(***) While some providers may advertise rates ranging from 5.99% to 35.99%, it's important to note that such low APRs are only available to specific customers. The repayment terms mentioned refer to close end loan products and may not encompass all loan products offered within our network.