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Text Content

Advertiser Disclosure

The offers that appear on LoanStart.com are from companies from which
LoanStart.com receives compensation. This compensation may impact how and where
(including the order in which) offers are presented to consumers.LoanStart.com
does not make loan offers but instead pairs potential borrowers with lenders and
lending partners. We are not a lender, do not make credit decisions, broker
loans, or make short-term cash loans. We also do not charge fees to potential
borrowers for our services and do not represent or endorse any particular
participating lender or lending partner, service, or product. Submitting a
request allows us to refer you to third-party lenders and lending partners and
does not constitute approval for a loan. What you may be presented is not
inclusive of all lenders/loan products and not all lenders will be able to make
you an offer for a loan.

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 * Business Funding
 * How It Works
 * Resources
   * Financial Education
   * Blog
   * Personal Loan Calculator
 * About
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PAIRING YOU WITH PERSONAL LOANS ONLINE TO MEET YOUR NEEDS

Take advantage of our network of reliable affiliate lenders and lending partners
and you could be eligible for as much as $40,000. Our service is free and will
not affect your credit score.

I’D LIKE TO BORROW: $10,000

Drag the slider below to the amount you’d like to borrow

$1,000$40,000



By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms
of Site Use.


Advertiser Disclosure

LOANSTART.COM WORKS WITH TRUSTED LENDERS AND LENDING PARTNERS.




WHAT IS A PERSONAL LOAN?


A PERSONAL LOAN IS AN INSTALLMENT LOAN THAT'S REPAID OVER A PERIOD OF TIME.

Borrowers who have failed to obtain loan approval from the bank, credit union,
or any other financial institution opt for personal loans. Even those who have
maxed out their credit card limit choose to get online personal loans.


AT LOANSTART.COM, YOU CAN REQUEST A PERSONAL LOAN FROM $1,000 TO $40,000.

The loan amount depends on several factors, such as the borrower's credit type,
credit history, and credit report. Other factors include the state's laws
governing personal loans and the maximum loan amount that a lender or a lending
partner can lend.

Borrowers who don't have excellent credit can still be eligible for a personal
loan. They have the option to request an unsecured personal loan. When using an
unsecured loan, borrowers don't need to present collateral.


BENEFITS OF A PERSONAL LOAN

There's more than one way to request money, but at LoanStart, we make it easy to
see the benefits of using a personal loan. While borrowers won't receive an
instant personal loan, it is one of the fastest ways to receive up to $40,000.

Using a personal loan can be less expensive than a credit union, bank, or other
financial institution. Rates can be as low as 4.84%.
Using our website to request an online loan, clients can safely and securely
request funds up to $40,000.
Our process is simple, and customers can see on-screen results.
Borrowers may have the chance to improve their credit history by making regular
on-time payments. Over time, this may lead to an excellent credit score.
Funds can be used for many different loan reasons.


A LOAN REQUEST THAT’S EASY, SAFE, AND WON’T AFFECT YOUR CREDIT

STRAIGHTFORWARD

We know you’re busy; that’s why we provide a simple process that only takes a
few minutes to complete. While we only ask the bare minimum number of questions,
this data is crucial for trying to find you a lender or lending partner.

ON-SCREEN RESULTS

After you submit the form, we will run your information through our database of
funding partners. It doesn’t take long. You will see your results within
minutes. We may still be able to find you an option even if you have bad credit.

BEST IN DATA SECURITY

We take your privacy seriously. So do our partners. Your personal data stays
private during the entire loan request process, thanks to 256-bit encryption.

We work with trusted companies, some of which you may have heard of before, like
Avant, FreedomPlus, and Payoff. By offering you a wide lending network, we
provide a better chance for you to find a provider.


HOW YOU CAN USE YOUR LOAN

Here are some of the most popular reasons people use LoanStart to try to find
funding.

DEBT CONSOLIDATION

 * Simplify your finances
 * Save money
 * Improve your credit score

More Info
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Borrowers may use the funds for debt consolidation to pay off any other debts
they may have, such as credit card debt. It allows borrowers to simplify their
finances while possibly saving money and improving their credit scores.

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EMERGENCY SITUATION

 * Bad credit okay
 * Pay it back over time
 * Get back on your feet

More Info
Get Started

Like a payday loan, auto loan, or a bad credit loan, borrowers facing a
financial emergency may use their personal loans to address a crisis sooner.
This helps those who need some funding to get back on their feet and pay back
the loan amounts over time.

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AUTO REPAIR

 * Credit card alternative
 * Fast cash solution
 * Drive your car again

More Info
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Borrowers may use the funding to finance mechanical or electrical repairs to
their vehicles. Using a personal loan for auto repair is a fast cash solution
and a good credit card alternative if someone has credit card debt. Most
importantly, it helps borrowers drive their car again.

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HOME IMPROVEMENT

 * Increase your home’s value
 * Make repairs sooner
 * Pay the contractor or DIY

More Info
Get Started

Clients may use their loan approval to fund expenses related to home
improvements such as remodeling, painting, construction, or installation. It
allows borrowers to increase their home's value, make repairs sooner, pay the
contractor, or fund the necessary tools for a DIY.

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MEDICAL EXPENSES

 * Pay doctor bills
 * Space out your payments
 * Get your treatment

More Info
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Personal loans can be used to pay for medical expenses, such as health
insurance, prescriptions, and hospital visits. The loan also covers treating or
preventing an injury or a disease. A medical loan can be an unsecured loan or a
secured loan.

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BUSINESS LOANS

 * Get startup capital
 * Pay business expenses
 * Address a cashflow gap

More Info
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Business owners borrow personal loans to meet company needs. They can use the
funds to pay business expenses, purchase equipment and inventory, and even
address a cash flow gap that the company may be experiencing. Those who want to
start their own business can also benefit from a personal business loan because
it can help them get startup capital.

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VACATION FUNDING

 * Take your dream trip
 * Don’t miss a deal
 * Pay it off later

More Info
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Travelers sometimes borrow money to pay for big vacations. With an online
personal loan, they can fund their dream trip, be it a honeymoon or a tour of
Europe.

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STUDENT LOAN REFINANCE

 * Look for lower APR
 * Avoid loan default
 * Consolidate debt

More Info
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Another example of debt consolidation is paying off student loans with a
personal loan. It may help borrowers avoid loan default and unwanted
consequences such as a damaged credit history and credit report. When borrowing
an online personal loan to cover student loan expenses, it is best to find an
online lender with a lower interest rate.

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THE LOANSTART PROCESS

OUR LOAN REQUEST IS QUICK AND EASY

LoanStart.com is not a lender. LoanStart.com tries to connect borrowers with a
loan provider. You can get started by filling out our short and simple loan
request.


LEARN ABOUT OUR SECURE PROCESS FOR FINDING PERSONAL LOANS ONLINE AND GET STARTED
TODAY

Excellent Credit (720+)
Good Credit (660-719)
Fair Credit (600-659)
Poor Credit (Below 600)


FIND THE PERSONAL LOAN THAT’S RIGHT FOR YOU

Credit comes in many different shapes and sizes. Some lenders may charge an
origination fee and interest at a fixed rate included in the monthly loan
payment. It's important to compare your options and find the one that fits your
budget.

As mentioned before, someone may need to borrow a loan to finance a surprise
medical bill or an emergency car repair. They might also take out a loan to fund
something as simple as a home improvement project. Whatever the unexpected
expense or other financial need, LoanStart.com can help borrowers look for
funding that meets their needs.

Our secure process is designed to be quick and simple. By taking advantage of
our network of reliable affiliate lenders and lending partners, borrowers may be
eligible for as much as $40,000.




STATE AND CITY INFORMATION

Before taking out a personal loan, borrowers must know the rules, regulations,
and other necessary information. That's why LoanStart.com offers state and city
information for popular lending locations.

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OUR SIMPLE, STREAMLINED PROCESS

At LoanStart.com, our streamlined process makes requesting a personal loan offer
as simple as completing our online form. Millions of consumers have used
LoanStart's technology to try to find an online lender.

You do not need to feel overwhelmed about requesting a loan. It only takes a few
minutes to enter your information and see your answer. If you have any
questions, you can contact our customer service team.

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WHAT IS APR?

APR, or Annual Percentage Rate, is the percentage of interest and fees a
borrower would pay on a personal loan over a full year. The APR of a client's
loan is determined by the lender or lending partner and must be included in the
loan agreement. The APR may vary depending on the customer's situation, the
lender's policies and terms, and state regulations. The APR may also be
determined by the terms of the loan, fees, origination fee, credit score, and
renewal options.

A general rule of thumb is that when borrowing a loan from the bank or
non-traditional lenders, the better the borrower's creditworthiness, the lower
the APR. That's why borrowers should work on maintaining excellent credit.

If LoanStart.com connects a customer with a lender or lending partner, they may
eventually be presented with a loan agreement. This agreement will disclose the
loan terms with the APR, fees, finance charges, origination fee, and other
terms, if applicable.

The lenders and lending partners that LoanStart.com works with offer repayment
terms ranging from 61 days to 84 months. The APR ranges from 4.84% to 35.99%.

While LoanStart.com offers example rates for the borrower's information,
LoanStart.com is not a lender and does not set APRs. The featured table
represents sample rates and is for information purposes only:

APR Amount Period Monthly Total Paid 5.99% $4,000 24 Months $177.26 $4,254.35
10% $4,000 24 Months $184.58 $4,429.91 25% $4,000 24 Months $213.49 $5,123.67
35.99% $4,000 24 Months $236.17 $5,668.04

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ADDITIONAL IMPORTANT INFORMATION

Before a borrower accepts a loan from LoanStart.com's affiliate lending
partners, the lending company must provide every borrower with the details of
the loan agreement, as well as the terms and the conditions of the loan in
writing. In case a lender doesn't disclose all the necessary information in
advance, borrowers must demand that the lender present all the details
concerning the loan. In case an affiliate lender refuses to do so, clients must
report the lender to our customer service.

It is strongly recommended that potential borrowers thoroughly read and
understand the lender's or lending partner's terms before signing a loan
agreement. To learn more, visit the Rates & Fees and Responsible Lending Policy
sections on this site.

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PRESENTATION OF INTEREST AND FINANCE CHARGES

LoanStart.com is not a lender and does not set fees or interest rates on
borrowed loans. If a customer eventually receives an application from a lender,
submits it to them, and is approved, the customer will be given the interest
rate and fees before signing the loan agreement. As mentioned earlier, the
lenders and lending partners that LoanStart.com works with offer a loan term
varying from 61 days to 84 months, and the APR ranges from 4.84% to 35.99%. At
no point is a borrower required or obligated to sign a loan contract or accept
the terms offered by a lender or lending partner. In case the borrower sees that
the conditions of the loan don't meet their requirement, they have the right to
reject the lender's offer.

To better understand the financial implications of the interest and finance
charges associated with a personal loan, please consider the following
representative examples:

EXAMPLE 1:

If a client were to borrow a $10,000 loan with a 23.83% interest rate, 24-month
loan term, and 2% origination fee ($200), the monthly payment would be $527.86.
The total repayment amount would be $12,668.71. After adding the 2% origination
fee, the loan would have a total cost of $2,868.71. Representative APR: 25.98%.

EXAMPLE 2:

If a client were to borrow a $20,000 loan with a 13.83% interest rate, 36-month
loan term, and 6% origination fee ($1,200), the monthly payment would be
$681.90. The total repayment amount would be $24,548.49. After adding the 6%
origination fee, the loan would have a total cost of $5,748.49. Representative
APR: 18.24%.

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NON-PAYMENT AND ITS IMPLICATIONS

By signing the loan agreement, borrowers are stating that they accept the
lender's or lending partner's terms and conditions for repayment of the loan
with interest within a stated period. The repayment term depends on the amount
borrowed, whereas the loan amount depends on factors that may include the salary
of the customer or the collateral. Clients can pay back their loans before the
scheduled due date. Many lenders do not impose a prepayment penalty.

Late payments or failing to repay the loan fully may result in additional
charges and fees and may increase the total cost of the borrowed amount. In the
case of non-payment, each lender or lending partner has its own policies and
sets its own fees. LoanStart.com does not set these terms and cannot disclose
the charges a borrower might incur for late payments, missed payments, partial
payments, or non-payment. However, if a client has secured their loan using
collateral, the lender will legally gain possession of it.

It is extremely important that borrowers read their loan agreement in full to
understand better the policies of the lender. Questions should be addressed
directly to the lender. If the lender undertakes a collections process, they are
obligated to deal with the borrower reasonably, fairly, and legally.

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EFFECTS ON YOUR CREDIT SCORE

Based on past experiences with borrowing loans, an individual's credit score
represents their ability to repay a loan on time and manage their credit. The
higher a customer's credit score, the higher their chances of paying back their
loan on time without missing a deadline. Hence, the higher chances for lenders
to want to work with them by lending them money. Also, those who wish to improve
their credit score should work on making payments on time. In the event of late
payment, missed payment, or rollover of payments, the credit score of a borrower
will be negatively affected. Also, a lower credit score makes it more difficult
to obtain credit in the future but can also affect other things, such as a
customer's ability to secure housing or a cell phone contract. A low credit
score could even hurt a person's chances of finding employment.

LoanStart.com allows borrowers with less than perfect credit to request personal
loan offers. Some of our affiliate lenders may consult one or more credit
bureaus to gauge the borrower's ability to repay a loan. This may result in a
soft pull, a hard pull, or both. Too many credit checks during a certain period
may negatively affect the credit score of a borrower. Failure to repay your loan
in a timely fashion, according to the terms of your loan agreement, also impacts
your credit score.

Depending on the scoring model used by the lender, credit score ranges may be
defined as:

EXCELLENT CREDIT

above 720

GOOD CREDIT

660 - 719

FAIR CREDIT

600 - 659

POOR CREDIT

below 600

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COLLECTION POLICIES

LoanStart.com is not a lender and does not make loans. As such, we do not deal
with debt collection. We strive to only work with lenders and lending partners
who practice fair and reasonable debt collection. How an affiliate lender or
lending partner handles late payments and unpaid loans, including the collection
of debts, depends on its policies and not ours. Before taking out a loan, it's
best if borrowers familiarize themselves with their lender's terms, conditions,
and policies regarding missed payments, late payments, and debt collection
before signing a loan agreement. If a borrower is unsure about how the lender
handles debt collection, they should consult their lenders directly to get their
questions answered alongside any other concerns.

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RENEWING A LOAN

Each of our lenders and lending partners has its own loan renewal policies. All
lenders must present their renewal options in the loan agreement. It is the
borrower's responsibility to review these options and policies before signing
the contract.

LoanStart.com strongly encourages borrowers to fully repay all loans promptly to
avoid supplemental fees and to improve their credit score. Borrowers should
understand the loan process fully and have explored alternative options before
agreeing to a personal loan.

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FINANCIAL IMPLICATIONS

To better understand the financial implications of the interest and finance
charges associated with a personal loan, consider a representative example with
a maximum APR of 35.99%: If a person were to borrow a $10,000 loan with a
24-month loan term, they would have a monthly payment of up to $590.42. Their
total repayment amount would be up to $14,170.08.

HERE IS ANOTHER EXAMPLE WITH AN APR OF 25%:

If a person were to borrow a $20,000 loan with a 24-month loan term, they would
have a monthly payment of up to $1,067.43. Their total repayment amount would be
$25,618.33.

HERE IS A FINAL EXAMPLE WITH AN APR OF 10%:

If a person were to borrow $15,000 within a 24-month loan term, they would have
a monthly payment of up to $692.17. Their total repayment amount would be
$16,612.17./p>

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NOT A LENDER NOTICE

LoanStart.com is not a lender and doesn't make any loan offers. Also,
LoanStart.com doesn't broker online loans to lenders or lending partners. We
only operate a network of loan providers. After a potential borrower submits
their loan request, we will try to connect them with one of the lenders or
lending partners in our network. We may receive compensation from lenders or
lending partners for connecting consumers to them. Lenders that LoanStart.com
works with offer 61-day to 84-month loan terms with an APR range of 4.84% to
35.99%. We will not make a hard inquiry into your credit. The loan provider will
determine the interest rate and loan fees.

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PERSONAL LOAN ALTERNATIVES

For those seeking a personal loan alternative, mentioned below are a few options
that may interest some borrowers.

LOAN AGAINST FIXED DEPOSITS

Those looking for a quick way to borrow a loan may be able to use their fixed
deposits as collateral to secure a loan. Banks sometimes let their clients
borrow around 75% to 85% of their future deposits. The interest rate on loans
against fixed deposits is considered to be affordable. It is 1% to 2% higher
than the fixed deposit interest rate. This means that if the deposit were
earning a 5% interest rate, the loan against it would have an interest rate of
6% to 7%. The application process is easy, and minimal documentation is needed.

LOAN AGAINST PROPERTY

People seeking to get a loan and have private properties can take a loan against
property. When taking out a loan against property, it doesn't matter if the
property is residential or commercial. Some lenders even consider a piece of
land as a property that can be used to secure the loan.

LOAN AGAINST MUTUAL FUNDS

Borrowers can also take out a loan against their mutual funds. The mutual funds'
units are offered as collateral to secure the loan until borrowers pay back the
loan amount fully. The loan term is decided and agreed upon by the lender and
the borrower. The interest rate on loans against mutual funds is around 10% to
11%. It's good to note that borrowers will keep earning returns on their mutual
funds; however, they cannot sell them as long as they are pledged to the bank.

WHOLE LIFE INSURANCE POLICY LOAN

Another way for borrowers looking for a quick and easy way to get funding is by
getting a whole life insurance policy loan. Borrowers can sometimes pledge their
life insurance policy as collateral to obtain funding up to 90% of the current
cash value. Interest rates are low, ranging from 9% to 13%. A whole life
insurance policy loan may not affect the credit score of the borrower.

GOLD LOAN

Borrowers looking for quick funds that don't require an excellent credit score
may get a gold loan. A gold loan is similar to a secured personal loan because
borrowers use their gold as collateral to secure the loan. Most of the time,
clients get a gold loan around 75% of the loan's value; the purer the gold, the
higher its value. Usually, the interest rate of gold loans is relatively lower,
ranging around 15%. The term of the loan is agreed upon by the lender and the
borrower. Funding a gold loan doesn't take much time, and the application
process is simple and easy.

CREDIT CARD

Finally, borrowers can use their credit cards as an alternative for a personal
loan. A credit card doesn't have a fixed monthly payment or a term. Instead,
credit card payments are based on the monthly balance of the credit. The
interest rate of a credit card ranges from 12% to 29%.


FAQ

IS LOANSTART.COM A LENDER?

LoanStart.com is not a lender and doesn't make any type of offers for loans.
LoanStart.com doesn't broker online loans to lenders or lending partners either.
After a potential borrower submits their loan request, we will try to pair them
with one of the lenders or lending partners in our network.

DO PERSONAL LOANS HELP ME IMPROVE MY CREDIT SCORE?

When taking out a personal loan, borrowers may be able to improve their credit
score by making regular on-time payments. Keep in mind that the provider needs
to report your payments to a credit bureau for your credit score to improve. Not
all providers do this.

DO PERSONAL LOANS HURT MY CREDIT SCORE?

In the event of late payment, missed payment, or rollover of payments, a
borrower's credit score may be negatively affected.

CAN I APPLY FOR A LOAN IF I HAVE A FAIR CREDIT SCORE?

Borrowers with a fair credit score may be eligible for a personal loan depending
on the lender's requirements.

IS IT BETTER TO REQUEST A SECURED OR AN UNSECURED PERSONAL LOAN?

Loans secured with collateral may have lower interest rates than what the
borrower would be able to receive otherwise. Still, it is considered safer to
request an unsecured personal loan.


READY TO GET STARTED?

WE INVITE YOU TO FILL OUT OUR LOAN REQUEST FORM. IT WILL ONLY TAKE A FEW MINUTES
TO SEE YOUR ON-SCREEN RESULTS.

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