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


What does PersonalLoansHere do?

PersonalLoansHere is a loan matching service that aims to connect your loan request information with a lender who is willing to provide the loan. This service is provided to customers free of charge. PersonalLoansHere may receive a commission from the lender for facilitating the connection between the customer and the lender.

What are the minimum requirements for a loan?

  • Minimum age requirement of 18 years
  • Possession of a bank account with direct deposit
  • Regular and verifiable source of income

Is it possible to make a loan request over the phone or in person?

We apologize for any inconvenience, but we do not offer phone or in-person loan requests. We have designed our online form to be simple and user-friendly so that you can easily request a loan at your convenience. Rest assured that your information will be handled with the utmost care, and our goal is to promptly and efficiently connect you with a loan offer.

Can I still apply for a loan if I have a poor credit score?

Certainly! Even if your credit score is less than ideal, we work with a diverse range of lenders who specialize in assisting individuals with poor or limited credit history. It's important to understand that while your credit may impact the available loan options, our goal is to connect you with lenders who are willing to consider your application. It's worth noting that timely repayment of your loan can potentially help improve your credit score over time. However, it is crucial to assess your financial situation carefully and only apply for a loan if you are confident in your ability to repay it. Please avoid requesting a loan if you anticipate difficulties in meeting the repayment obligations, as this could further impact your credit rating.

What is a personal installment loan?

A personal installment loan is a type of loan with a fixed term that allows you to borrow a specific amount of money. It is repaid over a set period of time through regular monthly installments. The terms for personal installment loans typically range from 3 to 72 months, providing you with flexibility in managing your repayments.

How much can I borrow?

The borrowing amount for a personal installment loan can range from $1,000 to $10,000, depending on the lender and their specific terms. The loan amount you are eligible for will be determined based on various factors such as your creditworthiness, income, and other relevant criteria.

What can I use the loan for?

A personal installment loan can be used for a variety of purposes. Whether you need funds for home improvements, medical expenses, debt consolidation, or unexpected expenses, the choice is yours. There are no limitations on how you can utilize the loan amount, giving you the flexibility to address your specific financial needs.

What are the fees for your service?

There are no fees associated with requesting a loan at Our service is completely free for customers. Simply fill out the online form with your information, and you will receive a response within a few minutes. The only costs you will incur are related to the loan itself, which will be determined by the lender you choose, your state of residence, and the specific details of your personal loan.

What is the APR?

The fees and APR (Annual Percentage Rate) interest rates associated with your loan will be provided to you in a written document by the lender. This will occur after you submit your loan request but before you are asked to digitally sign a loan agreement. The APR represents the cost of borrowing and includes both the interest rate and any applicable fees. It is important to review and understand the APR before accepting a loan offer.

How will I know if I'm approved?

You will receive a notification from an approved lender through within a few minutes, informing you of your approval status. If you are presented with a loan offer, you will have the option to review the terms and conditions of the loan. It is important to carefully consider the terms before making a decision. Remember, our loan quoting service is free, and there is no obligation until you agree to accept a loan from one of our panel of lenders.

How will I receive the funds?

Once your personal loan is approved by a lender, the funds will be deposited directly into your bank account. This provides you with convenient access to the funds so you can use them for your intended purpose.

How and when do I repay my loan?

The repayment process and schedule will be determined by the lender you choose. Typically, you and the approved lender will agree on a specific amount that will be deducted from your bank account on a predetermined date and time, as specified in your loan agreement. This ensures that you can easily manage your repayments and stay on track with your loan obligations.

What if I'm late on a payment?

Each lender in the network has its own policies regarding late payments. It's important to review and understand the specific terms outlined in the lender's loan documents before accepting the loan and signing the agreement. In general, most lenders apply a late fee if a payment is missed or if you request to skip a payment. To avoid any complications, it is recommended to make your payments on time as agreed upon in your loan agreement.

How do we protect your information?

At, we prioritize the privacy and security of your information. We have implemented advanced encryption technology on our website to ensure that your personal and financial data is protected. Rest assured that we take all necessary measures to safeguard your information and maintain strict confidentiality. See our Privacy Policy.

How long does it take for the funds to be transferred to my bank account?

Once your loan is approved, the transfer of funds into your bank account is a prompt process. In most cases, you can expect to receive the funds as soon as the next business day after approval. However, please keep in mind that the exact timing may vary depending on your bank's processing time and any applicable banking regulations. We strive to ensure that you receive the funds in a timely manner to meet your financial needs.