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    *APR varies from 5.99% – 35.99% depending on lender

Personal Loans Online

What is a personal loan?

A personal loan can help you immediately finance necessary or unexpected expenses. You may be thinking about buying a new car, renovating your home, or taking a much-needed vacation. Based on your credit history, an unsecured personal loan may be right for you. Instead of using a credit card, which is more expensive to repay over time, with a personal loan you gain instant access to the money that you need and you can repay the loan back in fixed installments.

Your financial solution could be an online personal loan.

Even small personal loans can help you save thousands of dollars if you use them to pay off expensive existing debt. By selecting one of our recommended lenders, you can apply for the best personal loans in the market in a matter of minutes.

Borrow $2,000-$25,000 and get same day approval

Fast application, high approval and complete protection.

America’s most trusted source of online personal loans

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Your most common personal loan questions

What is a personal loan?

A personal loan is a relatively small loan that is typically used to finance the purchase of a vehicle, home renovation or a vacation among a number of other personal expenses. Personal loans can be both secured and unsecured loans.

How do personal loans work?

When taking out a personal loan, the lump sum of the loan will be given to you. Repayment of the loan is then made in installments, as specified by terms of your lending agreement. Your credit score affects the interest rate on your personal loan.

Where can I get a personal loan?

Can you take out a personal loan with bad credit?

Whereas it is still possible to take out a personal loan with bad credit, you have to bear in mind that the interest rates of your loan will be subprime, and you may only be able to borrow with a secured personal loan. This means that you would have to put up collateral to borrow money.

What are the benefits of obtaining a personal loan?

With a personal loan you are free to spend the money as you wish. As a personal loan is often unsecured, however, it comes with a higher interest rate. Therefore, it is wise to use personal loans when you particularly need them, such as to consolidate a credit card, refinance student loans, or pay for a wedding.

Why choose Online Credit USA for your personal loan?

Three important reasons why we are America’s #1 Choice

Personal Loans With Safety

We screen members of our lender network carefully to ensure a high standard of service is provided to our valued customers.

Borrowers Protection Shield

Our borrowers protection shield is worth it’s weight in gold, protecting our customers and making sure you are treated fairly.

Quick Money To Your Bank

If you need your money fast, our lenders will get your funds into your bank quickly, often on the same day as your application.

Four Easy Steps To Get Your Money Fast

Get the safety you deserve when applying for a personal loan online

Apply Online

Apply & let us search our powerful lender network for you

Agree & Sign

Agree to your personal loan & sign your documents online

Get Your Cash

Receive your cash directly within hours of your loan approval

Protect Yourself

Register for our Borrowers Protecion Shield for total protection

Last year, 34% of Americans took out a personal loan via online lenders and traditional banks.

If you are wondering whether personal loans for bad credit are available, the short answer is yes. However, it is important to remember that your loan’s interest rate is affected by your credit score, and in some cases, lenders may not be able to offer you unsecured personal loans.

How to get a personal loan

To get a personal loan, have a look at our recommended lenders. You can apply for a personal loan with us online with safety and transparency. We guarantee customer satisfaction, and we offer you support when you apply for a personal loan. No matter the type of loan you need, we help you decide what the right amount to borrow is for you and with what you need to be aware of ahead of your loan repayment plan.

Providing secure & safe financing for customers across America