The Trusted, Expert Source for Personal Loans
One simple form connects you to a network of lenders. Get a fast decision and funds in as little as 24 hours. Your secure path to financial flexibility starts here.
Request Your Loan Now Free, Secure, No-Obligation RequestA Simple 3-Step Process
1. Submit Your Request
Fill out our simple and secure online form in just a few minutes. Your information is protected with industry-standard encryption.
2. Review Your Offer
If connected with a lender, you will be presented with a loan offer. Carefully review the terms, APR, and repayment schedule with no obligation.
3. Receive Your Funds
If you accept the offer, your funds could be deposited directly into your bank account, often as fast as the next business day.
Expert Insights from Our Resource Center
A Strategic Guide to Debt Consolidation
High-interest debt from multiple credit cards can be a significant financial burden. A personal loan for debt consolidation allows you to combine these balances into a single loan, often with a lower fixed interest rate. This not only simplifies your monthly payments but can also reduce the total interest you pay, helping you get out of debt faster. We explore the pros and cons and show you how to calculate potential savings.
Read The Full GuideHow Loan Applications Affect Your Credit Score
It's a common concern: will applying for a loan hurt my credit? We break down the difference between a 'soft inquiry' (which doesn't affect your score and is often used for initial checks) and a 'hard inquiry.' Learn how making timely payments on a personal loan can actually become a positive factor for your credit history, demonstrating responsible credit management and potentially boosting your score over time.
Learn About Credit ImpactChoosing the Right Loan: Key Factors to Consider
Not all loans are created equal. Beyond the interest rate (APR), it's crucial to understand the loan term, any origination fees, and prepayment penalties. A shorter term means higher monthly payments but less interest paid overall. We provide a checklist of questions to ask and factors to weigh, empowering you to select a loan offer that truly aligns with your financial goals and repayment capabilities.
Get The ChecklistOur Mission: Financial Clarity and Security
In a world of confusing financial products, our goal is simple: to provide a secure, transparent, and educational platform for consumers seeking personal loans. We believe an informed user is an empowered user. That's why we're committed to not only connecting you with trusted lenders but also providing the resources you need to make confident financial decisions. Your trust is our most important asset.
Frequently Asked Questions
Through our network of lenders, you can request personal loans from $1,000 up to $50,000.
Our network of lenders offers loans with an Annual Percentage Rate (APR) from as low as 5.99% up to 35.99% for qualified consumers. The rate you receive depends on the lender's underwriting criteria and your creditworthiness.
Important Disclosures
Our Role: Loajs.com is not a lender, broker, or agent for any lender. We provide a free administrative service to connect you with financial service providers who may be able to offer you a loan. We do not make credit decisions, underwrite, or fund loans. The service is often referred to as "lead generation," where lenders pay to be connected with consumers.
Credit Checks: By submitting your information, you authorize us and our network of lenders to conduct a credit check and verify your identity. This may involve checking with major credit bureaus (Experian, Equifax, TransUnion) or alternative credit data providers.