Shopping Loans

We Work With Every Credit Type

Tell us who you are and how much money you need
find lender

By clicking Find Lender , I consent and agree to the Terms of Use , Privacy Policy , and eSign Disclosures.

Don't know your credit score?

See it now at


It might be difficult at first glance to understand why someone might need a loan to go shopping. That’s a fair question. It’s not usually a good idea to take on debt in order to purchase designer bags or to replace your 120” HD flat-screen TV from last year with the 135” flat-screen that just came out this year. Sure, it’s your money and you can do what you like with it – but those sorts of things aren’t the primary reason for shopping loans. Most borrowers only take out a loan for things which are a bit more essential to modern American life.

So what can you buy with a shopping loan? Well, anything you like. As a personal loan, there are no limits on how you spend the money. Most shopping loans are unsecured, meaning you’re not generally going to be expected to put up your house or automobile as collateral to secure the loan. Personal loans rely on your credit history and current income information to determine whether or you’re a good credit risk, and what sort of interest rates lenders are willing to offer.

These are typically installment loans, set up with fixed interest rates. This means your payments will be due at the same time every month for a preset number of months and the amount of each payment will be the same throughout the life of the loan. On the day you sign, you’ll know your payoff date.

You can use a personal loan for computer financing or to purchase new furniture. You can use your loan for major appliances like a new refrigerator, oven, and dishwasher, or you can use your loan to finance a washer and dryer to make keeping up with the laundry much less stressful. And yes, you can finance a TV if that’s something you need and it’s important to you – even a big one.

Many stores which sell big-ticket items like these offer their own financing, which you should certainly consider. If you’re offered zero interest for the life of the loan or other special terms which appeal to you, make sure you’ve read the small print and go for it if you see fit. On the other hand, these stores aren’t primarily in the finance business and you may not get the best terms that way, despite how convenient it may seem at the time. It pays to shop around for the lowest interest rates available to you and other terms which fit your needs.

Maybe you need multiple items from different stores in order to fill up your new home or replace losses from a fire or other disaster. Maybe it’s just time to upgrade across the board. You could go to an electronics store and take out a loan for a computer you like, then go to the furniture store and take out another loan for a sofa and loveseat. After a quick lunch, it’s time to finance a washer and dryer then back to a big chain store where you finance electronic items from a new cell phone to a video game console to another TV for the bedroom. Now you’ve added three or four new monthly bills you’ll have to keep up with each month when you could have accomplished the same thing on better terms and had a single installment due every 30 days.

Don’t borrow just to borrow, but there are some things worth spending money on and not all of them can wait until you have more money in savings. When you need a good mattress or a functioning kitchen, it’s OK to strategically borrow as long as you have a realistic plan for making the resulting payments over time. A loan for a computer is a perfectly reasonable option if your primary connection to loved ones is through email or social media, or if the kids need to use it for school. A loan for major appliances is a much more practical decision than eating out every night.

And in our modern world, it might make more sense to finance a TV than try to keep everyone entertained every night and weekend without it at least being an option. Even if you find it too depressing to keep up with the news, you should have something you can turn to when bad weather or other disasters strike. Whether or not you need a 120” flat-screen to do that is, of course, another issue.

Smart Shopping

Before heading to the store for major purchases, it’s a good idea to research your options online. If you don’t have a reliable computer at home, your public library is a great place for free computer access and may have other resources as well – Consumer Reports or similar periodicals, or subscription sites you can access with a library card. Ask a librarian – they love helping with this sort of thing.

Obviously prices are worth comparing, but you want to look at quality and features as well. Which dishwashers have the highest customer satisfaction for the lowest price? Which furniture brands seem to last the longest while still retaining their look and comfort? If I want a laptop primarily for social media and office applications, is that different than what I should buy to watch videos and play games?

Part of smart shopping is controlling the parts you can control. Not everyone likes or values the same things, but if enough reviews from enough different sources all complain about the same guitar amp having the same problems, you might want a different amp.

That’s not to say you have to buy online. The impact of online shopping on local businesses is certainly a valid issue for discussion, and if that’s why you choose to buy locally, more power to you. There are more pragmatic reasons to consider shopping locally for big-ticket items, even if “locally” includes major chains or even “big box stores.”

First, of course, is the issue of shipping or delivery. It’s one thing to pay an extra $1.99 to have a drone drop off a Blu-ray the day it’s released, but quite another to have major appliances or furniture shipped. Most local stores will offer delivery, even if you have to pay a little extra for it. Second is what to do if something goes wrong. Sure, most online sellers have a return policy of some sort, but if it was a pain to return those pajamas which were too small, how much more is involved shipping back a computer and all its accessories after you were halfway through getting it set up and running? Find out what the policy is even if you DON’T by the “extended maintenance” plan (because those are almost always a horrible idea!)

Whether you choose to shop online or prefer to walk in to an actual store, don’t overlook the smaller places you may not have noticed in every town you’ve ever been in. The major chains aren’t the only places that sell stuff, and the name-brand websites aren’t the only cool places to browse. Cheaper is not always better – but spending more unnecessarily doesn’t guarantee much, either.

How Will My Credit Impact My

Ability to Get a Loan?

There are several things most lenders look at before offering a personal loan for shopping or for anything else. The first is your credit score. This three-digit number acts as an extremely simplified “snapshot” of your predicted credit worthiness. There are several different ways it can be computed, depending on which credit scoring service the lender chooses to use, but generally your credit score is based on several factors:

Your history making other kinds of payments – credit cards, automobile financing, store cards, utilities, rent, etc. This is usually the single biggest element of your credit score.

Your current debt utilization ratio. This is a fancy way of saying they look at the total amount your currently owe as compared to the amounts available to you. If you have an open line of credit with a local bank, or credit cards with available credit you haven’t used, that improves your ratio. Being maxed out on your cards or other forms of credit lowers your debt utilization ratio score.

Your current total debt. Whatever your total available credit, how much do you actually owe right now, in total – including on your home, cars, etc.?

Your credit mix. Some credit score systems really like it if you’ve had a variety of credit transactions over the years – maybe a car payment, a store credit card, a home equity loan you used to do some renovation, and a personal loan to pay for your daughter’s wedding. It’s not the dollar amounts so much as the variety they like – assuming you paid each of these off according to schedule along the way.

Many lenders will also look at your full credit history, especially if your credit score isn’t particularly strong. Some look for specific types of transactions. If you’re applying for a loan for things to go in your home, for example, the lender MAY pay more attention to the computer loan you paid off a few years ago and the auto loan you’re current on and less attention to your delinquent medical bills.

Finally, be prepared to document your income over the past few years and how long you’ve been at your current residence and job. Some lenders will consider personal loans for bad credit if you have a reliable income and seem to stay in one place most of the time. Some online lenders even specialize in these sorts of “credit rebuilding” loans. You may pay higher fees up front and a slightly higher interest rate, but if you can agree on a payment plan you know you can follow, you can not only get your loan for the stuff you need, but start rebuilding your credit as well.

Loanry® is here to help you pay off your shopping loans


Why Loanry?

In the same way you should do your research before shopping for big-ticket items, you should do your homework before taking out a shopping loan or any other personal loan as well. There’s nothing wrong with checking out options at your favorite local bank or credit union or any other lending institution in your area. Before you commit, however, consider letting Loanry point you to an online option or two as well.

We don’t loan money ourselves or charge you for any of our services or information. Instead, we have a carefully curated database of reputable online lenders who specialize in a variety of services and who often want very much to win your business. We take some basic information from you, thenhelp you find a lender who may be able to meet your needs. It’s entirely up to you whether you choose to give them your business, of course, but in our view that’s an important part of the equation.

Whatever your needs, whatever your credit history, you’re still the customer. Lenders should be competing for your attention and business; you shouldn’t have to be going from door to door asking them to consider working with you. In what other field is the client expected to petition the seller in the way we came to expect a generation ago? “Please accept my business at a small, reasonable profit; I promise to be a good customer.” Instead, let’s let them compete for you. That’s how the system is supposed to work anyway.


Your shopping loan should always have a purpose. It’s often useful to consider every loan in terms of both its short-term and long-term value.

In the short-term, you’ll have the resources you need to make those purchases. Some may have a clear financial purpose – a good personal computer, for example, might make it easier to get through your online coursework or other self-improvement efforts. Newer professional attire might give you the look and confidence you need to shine in your job interviews.

But there’s a long-term benefit as well, along with a long-term commitment. You’re agreeing to make each and every monthly installment on time, in full, for the life of the loan. If for some reason you’re unwilling or unable to do so, this will impact your future ability to secure credit. If things get too far behind, it could lead to your account being turned over to a collection agency or legal action. No one wants this, but it happens.

At the same time, making those payments builds up your credit history. Establishing credit or recovering from poor credit takes time, but it may not take as long as you think. Each month you take care of business, you’re establishing positive credit history. Your credit score can’t help but follow.

It’s not all about money, but our finances impact almost everything else in our worlds. In turn, most of what we do and value impact our finances as well. It’s useful to keep this in mind as we make our daily choices.


At Loanry, we’re best-known for helping people find a lender, after which you are free to work out your own arrangements. We’re proud of the feedback we get from users who’ve been happy with the results, and we love the success stories they send us.

You may come to Loanry or any other part of the Goalry family the first time because you need to finance a television or bedroom furniture or laptops for both of your kids. We hope, however, that you keep coming back even when you’re not searching for a loan. Visit Wealthry to find out what you can be doing to invest for retirement, even if you’ve been living paycheck-to-paycheck. Try Budgetry for advice on maintaining an effective household budget. You can access Taxry to learn more about all of those deductions taken out of your paycheck every month, including which ones you can control and which ones you can’t. Use our online loan checker to experiment with different interest rates, repayment schedules, and other terms.

Of course Cashry and Loanry are always here when you need to talk loans. Our database of reputable online lenders is ready to serve. That won’t change. But let’s not stop there. We want to help you take more effective control of your personal and small business finances as part of living a richer, more enjoyable life. It’s not just about the money – it’s about what the money allows you to do. It’s about less stress and worry and more living and making a positive impact on the world.


Did You Hear?

“My mama told me, you better shop around. Oh yeah, you better shop around. Try to get yourself a bargain son; don't be sold on the very first one.”

Smokey Robinson & the Miracles (Motown Musicians)

Educate Yourself

Saving Money

Without Sacrificing Satisfaction

Let's face it, the cost of everything is on the rise. It seems like it’s getting harder to pay our bills all the time. The news isn’t all bad, however. Just like our expenses seem to creep up over time, there are ways to increase our savings in dozens of small ways that add up to extra resources and may just allow us to pay those bills and take care of those essential expenses. It’s not all about major sacrifices; a lot of the time it’s simply about paying attention and putting in a little extra effort.

In this video, we’ll highlight some ways to reduce many of the bills arriving every month by cutting back on utilities and renegotiating things like your phone and cable bills. We’ll look at the potential savings in refinancing your home or vehicles. As you know from hundreds of TV commercials, it’s often possible to save money on home or car insurance with a little effort as well (although that doesn’t always mean you have to switch companies). And don’t forget the obvious stuff, like taking your lunch to work or eating more leftovers.

It’s not always easy, but it’s hardly impossible. And you don’t have to do it alone.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

Learn more

Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

Learn more

Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

Learn more

Reasons for Shopping Loans

They say you can’t take it with you, but that doesn’t mean you won’t need it while you’re here. There are any number of valid reasons to consider a personal shopping loan.

Appliance Loans

Whether you are replacing appliances that are no longer working, or upgrading to a model that better suits your current needs, appliances can take a big bite out of your budget. Appliance loans may help you get the refrigerator, stove, washer, dryer, dishwasher, or other appliance that you need.

Furniture Loans

Furniture can be expensive, but also is necessary. The good news is that high-quality furniture should last a long time. You may find it worthwhile to get a furniture loan to help you pay for this costly, but infrequent, shopping expense.

Home improvement Loans

Home improvement loans are personal loans used to pay for home renovations. This could mean adding a pool, solar panels on the roof or upgrading a kitchen. Improving your home adds value. People consider personal loans for home improvement projects for this reason.

Electronics and Computer Loans

Today's computers and electronic devices are a necessity. Computers can also be a source of income. Sometimes you have to make an investment in order to get a return. An electronics or computer shopping loan may help you get the exact model that you want for your personal or small-business use.

Jewelry Loans

Whether you are buying a wedding ring, a special gift for someone you love, or a treat for yourself, jewelry can bring joy into your life. A shopping loan may help you afford it. You should make sure you are able to afford to repay the loan back.

Other Retail Loans

Sometimes you need to make a purchase when you don't have enough cash on hand. A shopping loan may help you spread out the payments to make the expense easier to manage. Some lenders may even provide shopping loans to people with less than stellar credit ratings. With better credit and income, lenders may offer favorable terms. Lenders have different criteria to determine eligibility.

See FAQs

Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


Featured In:

MSN Logo Forbes Logo Readers Logo Bankrate Logo MarketWatch Logo
  • The selection of a third-party purchaser to acquire your information may be determined by a comparison of your registration information with available loan products. Lenders consider a number of factors when assessing your request.

  • We are not a lender, loan broker or agent for any lender or loan broker. We are a marketing lead generator and FREE advertising service designed to provide you with quick and convenient access to third-party lenders.

  • Your lender is legally required to provide you with loan documents, and disclose the terms of your loan, including rates and charges. Each lender has its own terms and policies. Be certain to evaluate all applicable terms and conditions of loan offers before making a decision.

  • The position of each potential purchaser may also be determined by the price the purchaser is willing to pay for the information (e.g., the higher the price, the better the purchaser’s position). There is no guarantee that you will be accepted by a lender, and we do not endorse any lender.

  • Third-party lenders may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, standing and/or credit capacity .

  • To prevent unauthorized access, maintain data accuracy and ensure the correct use of information we gather online, we store your personally identifiable information in a database on secure systems. We have put in place physical, electronic and managerial security procedures to protect against the loss, misuse and alteration of the information under our control.

  • Funding times may vary. Not all consumers will meet the lending criteria to qualify for a loan.

  • In the State of California, Loanry, LLC is licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law. Loanry’s California license #60DBO 66864 can be viewed by clicking the image on the left.

US Address

23 Corporate Plaza,
Newport Beach, CA 92660

Call Us