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PersonalLoans.com Reviews

PersonalLoans.com Reviews

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PersonalLoans.com is an online platform that specializes in connecting people with personal loan providers. The service is not a lender itself, but a bridge between potential borrowers and lenders. If this sounds like a service you need to get a loan, check out these PersonalLoans.com reviews.

PersonalLoans.com Is a Good Platform

The world of personal loans is fast-paced and dynamic. This means that there will be new opportunities, partnerships, and changes from time to time. There are also different players and companies within the same industry. This also means that you need to be discerning about the loan provider you choose to trust with your personal information, especially if it involves a large amount of money. If you have been considering applying for a personal loan, the services of PersonalLoans.com might be useful to you.

PersonalLoans.com allows you to compare loan providers. It is also a platform for learning everything you need to know about personal loans, such as how much you can borrow, what interest rates are available, and how everything works. PersonalLoans.com also features an informative blog with tips, guides, and advice related to personal loans and personal finance.

How PersonalLoans.com Works

PersonalLoans.com allows you to borrow between $1,000 and $35,000, with annual percentage rates starting at 5.99% and repayment terms ranging from 90 days to 72 months. You need to have a monthly income of at least $2,000 to qualify for a personal loan in the United States.

You can check whether you qualify for a short-term loan for free on PersonalLoans.com. Personal loans are available in a wide range of terms, from short term to long term, with some of the most favorable payback terms available. It’s also impressive that you can get a loan to start a business through PersoanlLoans.com, as most lenders don’t provide money to businesses that haven’t yet been established.

PersonalLoans.com has been bridging the gap between borrowers and lenders for over two decades. On this website, there are trustworthy lending partners who provide loans through secure and professional transactions. PersonalLoans.com is also a member of the Online Lenders Alliance, an organization whose mission is to ensure that the online business industry engages in ethical and legal business practices with its customers.

The Requirements to Apply at PersonalLoans.com

The application process on PersonalLoans.com is straightforward. However, before you can get a loan, you must first meet the requirements listed below.

  • You must be at least 18 years old.
  • You must be a U.S. citizen or legal resident.
  • You must not have any previous bankruptcy filings or defaults on your current or previous loans with PersonalLoans.com.
  • You must have an active checking account.

What Information Is Required for an Application at PersonalLoans.com?

Regardless of which lender you choose, the process of applying for a personal loan is largely the same. You will almost certainly be required to provide the following information:

  • A valid U.S. mobile phone number
  • An up-to-date credit report
  • A valid U.S. driver’s license or a valid U.S. passport
  • A valid U.S. address
  • A valid email address
  • A valid social security number

Pros of PersonalLoans.com

There are several reasons people choose to use PersonalLoans.com as opposed to other online or traditional lenders. Some pros are listed below.

Easy Application Process

You can apply for a loan on the platform in just a few minutes. You do not have to worry about going to a physical location and waiting in line.

Quick Approval Process

You do not have to wait weeks for your application to be processed. The approval process usually takes a few hours or less. In fact, many people get approved for a loan in just a few minutes.

Flexible Repayment Terms

You can choose repayment terms that work best for your schedule and your budget. You have the option to repay your loan in a lump sum or in monthly installments.

No Collateral Is Required

Lenders usually require you to put up some collateral as a guarantee that you will repay the loan. At PersonalLoans.com, you do not have to worry about this.

Cons of PersonalLoans.com

While PersonalLoans.com is a legitimate website, it’s important to be aware of some drawbacks to make an informed decision about whether this platform is right for you.

Impact on Credit

It is critical to understand how getting a loan can affect your credit score. To determine whether the borrower is eligible, lenders affiliated with PersonalLoans.com may perform a soft check early in the loan process and a hard check later in the loan process. This could have a negative impact on your credit score.


Although the loan origination fee for peer-to-peer lenders can range from 1% to 5%, the exact amount you will be charged will vary depending on the lender you choose to borrow money from. There is no way to know what fees are associated with a loan unless you receive it beforehand.


PersonalLoans.com states that the APR ranges from 5.99 to 35.99%. However, the range may be greater depending on the lending institution. When dealing with tribal lenders, it’s impossible to predict the maximum rate because their rates are frequently higher.

Is Getting a Personal Loan Ideal?

A personal loan can be ideal when you need a lump sum of cash for something important without collateral such as emergency car repairs. However, personal loans are not a one-size-fits-all solution, and they come with benefits and drawbacks.

Choosing the right lender is an important decision and can have a lasting impact on your financial future. It’s essential to do your research and select a lender that works best for your situation. Before choosing a lender, read online reviews and ask questions to make sure you’re comfortable with their terms and conditions.

If you’re looking for a quick and easy way to get money in a short amount of time, a personal loan might be the best option for you. If you have a decent credit score and have a solid reason for needing a loan, then you should be able to find a lender who will approve you and help you financially.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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