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What makes an Online Loan from different?

When you need cash quickly, you don’t have the time to apply with several lenders to find the best loan for you. More importantly, you cannot afford multiple lenders running a hard credit check and hurting your credit score.

At, we have made it easy to find pre-qualified online loan offers, without hurting your credit score. For loans above $1,000, you can compare personalized offers and choose the fixed monthly payment and payback period that is right for you.

Types of Online Loans

Payday Loans Online

Typically reserved for borrowers who cannot wait 24 hours for cash, payday loans are the most expensive loan option that should only be used in extreme emergencies. In most states where payday loans are legal, the maximum loan amount is $500. Fees and rates are exorbitantly high with an average APR of 400%. Oftentimes, borrowers will “roll over” the loan into a second payday loan and get trapped into a debt spiral.

If you have a fair credit score of at least 630, you should pre-qualify for a better loan option by completing our quick and easy online loan application.

We highly recommend that you explore all other options before taking a payday loan.

If you have been a victim of a predatory payday lender, you can visit the website of the Consumer Financial Protection Bureau and submit a complaint.

Installment Loans

For borrowers with bad credit, an installment loan can deposit funds in your account as soon as the next business day. While the average APR is significantly lower than payday loans, installment loans are still extremely expensive. The APR for an installment loan can be as high as 199%.

The reason why installment loans are better than payday loans is because you do not need to pay back the entire loan with your next paycheck. You can pay off the loan with predictable fixed monthly payments.

It is recommended that you first apply to be pre-qualified for a more affordable personal loan before taking out an installment loan.

Personal Loans

The most affordable online loan for borrowers with bad credit is a personal loan. The maximum APR for a personal loan is 36% and is typically paid back in fixed monthly payments over two to five years.

Besides funding a large emergency expense, the most common loan purpose is to consolidate debt into a low, fixed monthly payment. However, if you are seeking to refinance credit card debt, you should first see if you are prequalified for a 0% APR balance transfer card. Check out this tool to see if you qualify without impacting your credit score.

Most personal loans are unsecured. It is possible to obtain a loan secured by an asset such as a car or home. However, if you default on a secured loan, the lender can take possession of your collateral.

At, you can compare pre-qualified loan offers from 14 legit lenders.

Signature Loans

Commonly referred to as character loans or good faith loans, signature loans are unsecured personal loans that rely on the signature of the borrower. Because there is no collateral, signature loans can charge a higher interest rate than personal loans.

Financial institutions will typically reserve signature loans for borrowers with good to excellent credit.

Cash Advance

A cash advance is just another name for a payday loan. Be wary of lenders who attempt to disguise a payday loan by calling it a cash advance. You will still need to pay back the money with your next paycheck.

How to Apply for a Loan Online

If you see a lender trying to trick you into a cash advance, it is recommended that you report them to your local department of business oversight.

Step 1: Complete Our Easy Online Loan Application Process

The online loan application only takes one minute to complete. You will be asked for your social security number but it will not affect your credit score.

Step 2: Receive a Pre-Approval Decision

Once you submit your application, you will receive a pre-approval decision within seconds. In the event you cannot be pre-approved at this time, you will receive a special offer from one of our trusted lenders for bad credit.

Step 3: Compare Offers from Reputable Lenders

If you are pre-approved, you will compare multiple offers, rates, and payback durations from our lending partners.

At, we only partner with legit industry-leading online lenders. You will

Step 4: Select an Offer

The loan you choose is totally up to you and your personal circumstances. Be aware that the offer with the lowest APR may not be the loan with the lowest monthly payment. Typically, the length of the payback period will have more impact on the monthly payment.

If you plan to payoff your loan in full in just a few months, it may make sense to choose the loan with the longest term. This way, you will have the lowest monthly payments for the period of time you take out the loan.

Step 5: Complete Lender Onboarding

Most online lenders will need to verify your identity and income. Verification is typically done by uploading a copy of your driver’s license and your most recent pay stub. Occasionally, a lender will also ask you to upload a copy of a recent utility bill to further confirm your identity.

The onboarding process has been made quick and easy by technology.

Step 6: Connect Your Bank Account and Get Funded

The last and final step is connecting your bank account by using your username and password credentials for your online banking institution. Your lender will typically deposit your funds within one business day.

Need a personal loan?

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