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Personal. Meet Loan.

Personal loans are versatile, often short-term loans designed to help deal with everyday situations that arise no matter what your lifestyle or concerns.

From medical issues to sudden opportunities, sometimes you just don't have enough cash to cover immediate necessities. Personal loans are designed to help bridge these gaps and get you to the other side as quickly and painlessly as possible.

how it works

Reasons for Personal Loans

Signature Loans

Signature loans focus on you: Your name, your credit history, and how much lenders are willing to trust you. If you have good credit and a reliable source of income, this type of loan can be faster to apply for and obtain than other types of loans. Are you ready to impress?

Below619fico scorePersonal Loans for Bad Credit

Sometimes circumstances lead to a credit history that is less than stellar – but that doesn't keep emergencies from happening. These loans are specifically designed for people who have poor credit scores but still need cash for a difficult time. With minimal income levels, you may be able to qualify for this type of loan at a difficult point in your life.

Above660fico scorePersonal Loans for Good Credit

Good credit deserves its reward – and in this case, that reward is a speedy and flexible loan option that can be used for many different (and rewarding) purposes. The key is a strong credit score and solid finances: If you've got what it takes, this loan lets you dream big.

Vacation Loans

From upcoming trips around the world to covering a particularly fun holiday season, vacation loans are there for the big plans in your life.

Medical Loans

Medical loans help you cover medical costs where insurance just isn't enough – and can also be used for long-term payments for extended forms of treatment.

Wedding loans

Wedding loans help you plan for that special day without worrying about going over budget or missing out on that special touch that makes everything complete.

Home Improvement Loans

These loans are ideal for renovation projects, new room, remodeling, and more! As an added bonus, they can help you increase your own equity.

Linking Your Life and Your Loan

Secured and Unsecured

If you look over loan descriptions, two descriptions you will see frequently appear are "secured" and "unsecured." The "security" of a loan refers to how lenders see the debt. Loans that are secured have collateral backing them up – an asset, usually tangible, with real world value that can be used to recover money lent if something goes wrong and the borrower defaults. Unsecure loans, meanwhile, do not use collateral to back up the loan, which increases the risk for the lender.

So which is a good option for you? That depends on what you are looking for: Unsecured loans are often faster and easier to get, but in return the interest rates and fees are often higher. Secured loans may have more favorable terms, but the process is often lengthier.

Open-End Credit (Lines of Credit, Credit Cards, etc.)

There's another way of dividing credit – as open-end and closed-end. Open-end credit allows you to withdraw money as you need it, over an extended period of time. Two common options here are lines of credit and credit cards, which work in similar ways. The advantage here is that you can immediately withdraw smaller sums of money for individual expenses as you work on a business project, travel through a foreign country, and so on. Additionally, interest rates don't usually apply to money that is not withdrawn from the account.

Closed-End Credit (Appliance Loans, Consumer Loan, etc.)

This credit option gives you a set sum of money upfront, which you then repay, plus interest, in continuing installments – what most people think of if they think about a traditional loan. Single payment loans, which require full repayment plus interest in one sum, are also in this category. The obvious advantage here is that you receive a lump sum of money immediately to make large payments or purchases. However, you also need careful financial control to ensure you can pay the loan back in the future.