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rating: 5
  • Three types of personal loans available
  • Quick delivery of funds
  • Online form is encrypted Short Term Loans


With, you could take out a 6-month loan at a fixed interest rate.

By Editorial Team | 2nd January 2019 provides a service that helps borrowers to receive instant approval for a short-term loan from a group of lenders operating all over the country. No credit history is needed when you place your request, and by comparing the available options you are sure to access the best competitive rates.

What are the steps to be taken while applying for the loan?

Getting connected to a lender requires the following steps:

  • Click the button ‘Go’ on the site.
  • Click on the button ‘Get Started’ after entering your email address.
  • Click on the button ‘Continue to Step 2’ after providing all your personal data and choosing the loan amount.
  • Fill out the multiple choice form with information regarding your employer.
  • Provide your e-consent by clicking on the ‘Submit Your Request’ button after going through the terms and conditions and privacy policies.
  • Wait for a few minutes while processes your loan request. The lender you’ve been matched with will redirect you to their site.
  • Follow the directions given by the lender in filling out the simple application for the short term personal loan and put your e-signature on the application if you accept the terms.
  • Wait for the loan to be paid out.
What are the options available for a personal loan?

Rules regulating the approval and disbursement of personal loans are different in different states. These rules determine the amount of loan that you can get through

The following options may be available to you, depending on the state you reside in:

  • Peer-to-peer loans are available to you from lenders who want to invest their money in the form of a loan. Your credit rating has to be above 580 to be eligible for this type of loan.
  • Instalment loans are available as per state rules. can arrange for a lender who can offer you short-term loan options that may suit you. You do not require an excellent credit rating to be eligible, but a credit rating of 580 and above is preferable.
  • A personal loan from banks will be available to you provided you earn at least $3000 every month, and your credit rating is above 580 points.
Is there anything you should be aware of?

You may have to repay the loan twice a month. The frequency of repayments will depend on the schedule laid down by the lender. Though the total amount to be repaid will not vary because of the frequency, it will affect your budget in making the repayments.

The area covered by the network may limit your choice. Though it charges no fees, may not be able to connect you with every lender operating in the country using even the best of services at their disposal. You should keep in mind that does not lend any money directly to you but only connects you to lenders who can.

What are the eligibility conditions?
  • A credit rating of more than 580 points is required for a personal loan from a bank or an instalment loan.
  • A credit rating of more than 600 points will make you eligible for a peer-to-peer loan.
  • You have to be a US citizen or permanent resident.
  • You need to be at least 18 years of age.
  • You need a valid bank account.
  • You cannot have a bank account with money which has been overdue for more than 60 days.
  • You cannot have a debt that is more than the income you currently have.
  • You should not have filed for bankruptcy in the past.
What fees are involved and are there penalties for making early repayment?

The rate of interest varies from lender to lender, so you need to review this with care before accepting the loan. Keep in mind that there are no hidden fees and you are under no obligation to accept the loan if it does not suit you.

You can repay the short term loan by transferring the money electronically. You can repay in other ways too, depending on the lender. You can easily find out more by contacting them directly.


  • Multiple loan types available
  • Possible contracts with multiple lenders at a time
  • Application, payout, and repayments are all well-organized
  • High loan limit options
  • Some lenders require biweekly payments which can be overwhelming
  • Some customers prefer direct lender services rather than mediators
Comparison to other Short Term Loans services

Speaking of solid short-term loans providers, PersonalLoans is definitely among the Big Guys. Having such a high loan amount limit (capped at $35,000), the company ranks better than most competitors in the industry. In addition, there are loans as small as $500, available for a quarterly (three months) plan.

The variety at PersonalLoans makes it possible for customers of all needs and means be able to use their services. However, the maximum loan amount standing at 6 years seems risky even for the most seasoned short-term loans borrowers.

The option to contact lenders in a safe environment is essential for the right short term loan transaction. Customers cherish such characteristics in a loan service provider, so this also adds up to the PL value. Cooperating with a trustworthy short-term loans mediator is positive for all sides involved in the process. Easier transition, reliable payouts/repayments, and negotiable fees to benefit all parties. Presenting all of that to users turns any brand in the field into a pretender for the #1 spot.

Mobile Compatibility

It goes naturally, sometimes quick short term loans come as a scary surprise – we are obliged to conduct them, as a part of our routine depends on it. And just sometimes, those moments occur when we are stuck in the busy hour of the day. Somewhere without a near computer or a laptop, a shop, a café, public transport.

In these moments, well-optimized websites perform best as a sidekick. PersonalLoans is available on all kinds of mobile devices, as long as you have a stable Internet connection. The site is user-friendly and doesn’t slow down your browser action, for iOS, Android, and Windows phones.

Customer Support

PersonalLoans takes customer satisfaction seriously. Their customer support team is formed by well-trained and educated employees, ready to assist you with any loan-related road blocks. There isn’t a live chat option but the email, phone, and mail contacts are more than enough to resolve any poor credit loans issues. The response times vary but the phone option is obviously the fastest out of the three.

Email support can be found at: [email protected];

Phone contact is open between 6AM and 7PM PST, Monday to Friday: 1-800-772-2274;

Mail address is: 560 E 200 North, Suite 18, Roosevelt, Utah 84066


A large group of lenders on the network are available to consider your online application. If your request is approved by many lenders, you have the choice to choose the one which best meets your specific requirements. You could also receive your loan on the same working day. helps you to get quick and easy access to money ranging from $500 to $35,000 offered by various lenders. Some of the leading lenders in the country can provide you with short personal loans providing your credit rating is 580 or more. Ensure you go through the contract thoroughly and be sure that the loan is perfectly suitable for you before signing it. Feel free to contact your lender at any time should you have any queries.

Reviewed by
Editorial Team
Our Editorial Team is constantly watching for new and exciting services to report on. They aim to bring balanced, honest reviews to the site to give you the best comparisons and ensure you have the knowledge to choose the product right for you. Read more.
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  1. Wonderful blog! I found it while surfing around on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Many thanks