Home Improvement Loans

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Refinance Student Loans

• Refinance federal, private and ParentPLUS loans
• Lower your interest rate or reduce your monthly payment
• Compare prequalified rates from up to 8 vetted lenders in 2 minutes

Private Student Loans

• Private loans for college, graduate and professional degrees
• Cover up to 100% of your school-certified costs after financial aid
• Flexible repayments: deferred, interest only, and many others for all financial needs

Personal Loans

• Personalized rates from up to 11 vetted lenders in 2 minutes
• Consolidate credit cards or other debt to a lower rate
• Loans for life: home improvement, moving costs, wedding expenses, vacations and many other financial goals.

¹Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 3.99-35.99% APR with terms from 24 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

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Quick and Easy Process

Check Your Rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose Your Loan*

Review multiple loan options and decide which offer is best to help you achieve your financial goals.

Get Your Funds Quickly†

Accept an offer and we’ll send your money to your bank account within a day of clearing necessary verifications.

Personal loans made through Upgrade feature APRs of 7.99%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s lending partners. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/.

†Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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We understand that searching for a loan can often be a daunting and confusing task, especially given the wide array of options that are available. We had this in mind when we created PersonalLoans.com. Every aspect of our service has been designed and optimized with the customer in mind. We strive to offer you the most innovative and user friendly experience possible.

Given that each individual lender or lending partner is looking for a particular type of customer, many people end up getting turned down multiple times for any number of reasons – which can sometimes be as simple as living in the wrong state. What makes PersonalLoans.com unique is that we have assembled one of the largest networks of personal loan lenders and lending partners available anywhere.

When you submit a loan request on PersonalLoans.com, our proprietary technology evaluates your request and searches for potential lenders or lending partners.

With our simple three-step request process, it has never been easier to find out if you qualify for the help you need, and enjoy financial security. If you have any questions, our in-house customer support team is standing by and ready to help.

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Safe & Secure
Our website is fully encrypted in order to keep all the sensitive information included in your loan request secure. We only share your information with our network of trusted lenders, lending partners and financial service providers, in an attempt to connect you with a lender or lending partner that can offer you a loan.

Today Is The Day
What are you waiting for? Simply fill out our simple online loan request form, and you may be connected with one of our lenders or lending partners. They often make loan request decisions within minutes.

Pay Over Time
Signature loans offer you the ability to pay a loan down over time rather than all at once. The signature loan lenders and lending partners in our network will typically allow for a repayment term of 90 days to 72 months.