Personal loans, simplified

Money for the moments that matter.

Get a personal loan from $1,000 to $50,000. Check your rate in two minutes without touching your credit score.

Checking your rate won't affect your credit score.

Loan America customer

$50,000

Maximum loan amount

2 min

To check your rate

24 hrs

Typical funding time

0

Impact on your credit score

What can you use it for?

One loan, many ways forward. Tell us what you need and we do the rest.

Consolidate debt

Combine high-interest balances into a single fixed monthly payment you can actually plan around.

Home improvement

Fund the kitchen, the roof or the repair that can't wait — without borrowing against your home.

Life happens

Medical bills, moving costs, a family emergency. Money that arrives when the moment does.

Funding that keeps up with you

Most approved applicants receive their funds within one business day of signing.

22%
6h
48%
12h
78%
24h
92%
48h
100%
72h

Applicants funded, by hours after signing

How it works

1

Tell us about you

Answer a few questions about the loan you want. It takes about two minutes.

2

See your real rate

We show personalized offers with a soft credit check that leaves your score alone.

3

Get funded

Pick the offer you like, sign online, and receive your money — often the next day.

Built on straight answers

No prepayment penalties

Pay your loan off early whenever you want. It costs you nothing extra.

Fixed rates, fixed payments

The number you sign is the number you pay, every single month.

Real people, in your language

Our team answers in English and Spanish, from application to final payment.

Frequently asked questions

No. Checking your rate uses a soft credit inquiry, which is invisible to other lenders and has zero effect on your score. A hard inquiry only happens if you accept an offer.

Ready to see your rate?

Two minutes. No credit score impact. No obligation.