See Your Personal Loan Options in Minutes All Credit Types Welcome

A personal loan is money borrowed from a lender that you generally repay over a set period through scheduled payments. Personal loans are commonly used for expenses such as debt consolidation, unexpected bills, home repairs, car repairs, major purchases, and other eligible personal needs.

The loan amount, interest rate, APR, fees, repayment period, and eligibility requirements depend on the lender and your financial profile.

With a typical personal loan, you receive a specific amount of money and repay it according to the lender's loan agreement. Payments may include principal and interest, and the agreement may include applicable fees.

Before accepting a loan, review the APR, interest rate, payment amount, repayment term, fees, and total amount you will repay.

Personal loan funds may be used for debt consolidation, unexpected expenses, home repairs, car repairs, major purchases, and other eligible personal expenses.

Personal loan amounts available through GetMoney.com's lending-partner network range from $200 to $35,000.

The amount you may qualify for depends on factors such as your income, credit profile, existing debt, requested amount, repayment term, and the lender's requirements.

A personal loan can fund in as fast as one working day. Depending on the lender, your credit profile, verification requirements, approval process, and funding method will make a difference. Some borrowers may receive funds quickly after completing the lender's process, while others may take longer.

GetMoney.com does not guarantee a specific approval or funding time. If you receive an offer, review the lender's stated funding timeline before accepting it.

There is no single credit score required for every personal loan. Each lender sets its own eligibility criteria, and lenders may consider your credit history, income, existing debt, requested loan amount, repayment term, and other financial information.

You also do not have just one credit score. Different scoring models and credit-report information can produce different scores. A higher credit score generally makes it easier to qualify and may help you receive better loan terms.

Having bad credit does not automatically mean you have no personal loan options. Some lenders work with borrowers who have less-than-perfect credit, but eligibility, loan amounts, rates, fees, and repayment terms vary.

Lenders may consider more than your credit score, including income, existing debt, credit history, requested amount, and ability to repay.

It may be possible, but having little or no credit history can make it harder for some lenders to evaluate your application. Lenders may use other information, such as income, employment, existing financial obligations, and banking information, depending on their requirements.

Requirements differ between lenders, so there is no universal rule for borrowers with limited credit history.

Yes. Income can be one factor lenders consider when evaluating a personal loan request because it can help them assess your ability to repay the loan.

Lenders may also consider your existing debts, credit history, requested amount, repayment term, and other information when determining eligibility and loan terms.

Existing debt does not automatically prevent you from getting a personal loan. However, lenders may consider your current debt obligations when evaluating your ability to repay additional borrowing.

If you are considering a loan to consolidate debt, compare the new loan's APR, fees, monthly payment, repayment period, and total cost with your existing debts.

Personal loan interest rates vary by lender and borrower. Your rate may depend on factors such as credit history, income, existing debt, loan amount, repayment term, and the lender's criteria.

Do not compare interest rates alone. The APR, fees, monthly payment, repayment period, and total cost are also important when evaluating a loan.

The interest rate is the cost of borrowing expressed as a percentage. The APR is a broader measure that can include the interest rate plus certain fees associated with the loan.

Because APR can reflect more of the borrowing cost, it can be useful when comparing loan offers. Make sure you compare APR to APR rather than comparing an APR from one offer with an interest rate from another.

Personal loans may have fees depending on the lender and loan agreement. Possible charges can include origination fees, documentation fees, late fees, and other applicable charges.

GetMoney.com does not charge a fee to submit a loan request. However, if you receive an offer, review the lender's disclosures carefully for any fees or other costs associated with the loan.

No. A lower monthly payment can result from a longer repayment period, which may increase the total amount of interest paid over the life of the loan.

When comparing offers, look at the monthly payment and the APR, fees, repayment period, and total amount you will repay.

Early repayment depends on the lender and the loan agreement. Some loans allow borrowers to pay the balance early without a prepayment penalty, while other agreements may have different terms.

If paying off a loan early is important to you, check the lender's agreement for any prepayment provisions before accepting the loan.

Requirements vary by lender, but you may need to provide basic personal information, income and employment information, requested loan amount, banking information, and information about your financial history.

If a lender needs additional documentation to evaluate your request, the lender will provide instructions during its process.

It depends on the type of credit inquiry. A lender generally performs a hard credit inquiry when evaluating an application, and hard inquiries can affect your credit score.

A soft inquiry does not affect your credit score. Before submitting information, check whether the lender or service explains whether the initial review uses a soft or hard inquiry.

Submitting a request through GetMoney.com does not obligate you to accept a loan offer. If you are connected with a lender and receive an offer, you can review the terms before deciding whether to proceed.

Keep in mind that any credit-check terms depend on the lender and the stage of the process.

No. There is no guaranteed approval for a personal loan. Approval decisions are made by the lender based on its eligibility criteria and your financial information.

GetMoney.com connects borrowers with lending partners but does not make the lender's approval decision.

No. GetMoney.com is a connection service, not a direct lender. We work with a network of lending partners that may review your request and present available financing options.

If you receive an offer, the lender—not GetMoney.com—sets the loan's final terms, including the approved amount, APR, fees, repayment schedule, and other requirements.

Missing a payment can result in late fees, additional costs, or other consequences under the loan agreement. A lender may also report payment activity to one or more credit reporting companies.

If you think you may miss a payment, contact your lender as soon as possible. The lender can explain what options, if any, may be available under your agreement.

Depending on the lender and loan terms, a personal loan may be used to consolidate eligible credit card or other debt into a single loan.

Consolidation does not automatically reduce the total cost of your debt. Compare the new loan's APR, fees, monthly payment, repayment period, and total repayment amount with your existing balances before making a decision.

A personal loan can affect your credit in different ways. Applying for credit can result in a hard inquiry, while opening a new account can affect your credit history and other scoring factors.

Making payments on time can help establish a positive payment history, while missed payments can negatively affect your credit. The specific impact depends on your credit profile and how the account is reported.

A personal loan can be one option for consolidating debt, but whether it makes financial sense depends on the terms and your situation.

Compare the new loan's APR, fees, monthly payment, repayment period, and total cost with your existing debt. Also consider whether the new payment fits comfortably within your budget.