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How to Apply for a Personal Loan
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How to Apply for a personal loan
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- What it means for buyers and sellers this spring
- Non-Medicare dental coverage options
- How to access AmEx Centurion Lounges
- How flexible are Emirates Skywards miles?
- Are sinking funds right for you?
- How to fit Uber into your budget
- What’s the downside of fractional shares?
- Access the lounges
- Flexibility
- What Hartville pet insurance covers
- What exclusive events are offered?
- Programs in the Florida Panhandle
- Pacific Life customer complaints and satisfaction
- Saver’s credit rates for 2023
- 6 types of dividends
- Earned wage access pros and cons
- Your 401(k) plan allows after-tax contributions
- 4. Talk to your lender
- How do you qualify for the federal solar tax credit?
- Frugal DIY project tips
- How Lemonade compares to other insurers
- Eliminate mortgage insurance
- What if you’re unhappy with your massage?
- How much should you spend on a mattress?
- 4. What will you use the car for?
- Reduced carbon emissions
- How does a HELOC work?
- Secured Visa® Credit Card
- Types of REITs
- 3. Facebook
- Keep your goal in mind
- 4. Use grants if you qualify
- April
- What is a good business credit score?
- United Premium Plus
- E
- Why is there an egg shortage?
- Working YouTube Premium costs into your budget
- Mortgage assistance tips
- Bull markets vs. bear markets
- What state has the highest gas prices?
- What's next?
- 4. Merchandise
- 4. Pocket your tax refund
- Risks
- Are there any issues with early direct deposit?
- Apply for a Delta SkyMiles credit card
- How to accept a referral for an AmEx card
- What is my Georgia residency status for state income tax purposes?
- 6. Assuming the IRS will hate you
- Prepaid 529 plans by state
- How to get Global Entry through travel cards
- How much interest will I earn on $10,000?
- More about these investment expenses
- 4. Point values are poor, and redemption is inflexible
- OpenSky® Secured Visa® Credit Card
- 5. The card offers an intro APR period
- Texas sales tax holiday
- Bank of America® Customized Cash Rewards credit card
- How does this fit into my portfolio?
- Medicare resources in Oregon
- How to open a Chick-fil-A franchise in 4 steps
- Why is the IDR account adjustment happening?
- What does Aetna Medicare Advantage cost?
- Categories from previous years
- Student loan discharge programs
- How much does Frontier Airlines stretch seating cost?
- 3. Inadequate rewards earning potential
- How to consolidate private student loans
- How to apply for a joint business bank account
- 4. Eat at the Anaheim Packing District
- Best car insurance in New Jersey for customer satisfaction: NJM
- Best car insurance in California for customer complaints: Amica
- Buy in bulk, then split costs
- Decide among low interest, 0% or rewards
- Claiming gambling losses on your taxes
- Flood and earthquake insurance deductibles
- Standard deduction 2024 (taxes filed 2025)
- How to use the CHOICERenovation loan
- VantageScore vs. FICO
- Need-based aid vs. merit-based aid
- More ways to take charge of your budget
- Best online business insurance for restaurants
- Information is power
- Consider your legal options
- Blue Cash Preferred® Card from American Express
- 4. You can reel in decent perks and benefits
- Cheapest term life insurance companies for smokers for 2024
- Best for comprehensive coverage: ASPCA
- Best car insurance in Michigan for having few customer complaints: The Hanover
- Fellowships and assistantships
- 5. Do you enjoy performance?
- How to invest in dividend stocks
- Inflation example
- 5. Consider housing alternatives
- How much to tip housekeeping
- Best Pennsylvania car insurance for customer satisfaction: Auto-Owners
- Why you may not want to book last-minute
- Integrations with accounting software
- Brick-and-mortar banks preferred choice for many over online-only
- How do payday loans affect credit?
- 5. Pay your IRA first
- How did we determine the value of Capital One miles?
- Defaulted FFELP Loans and the Fresh Start Program
- What states are increasing minimum wages in 2024?
- Additional child tax credit
- How to calculate an out-the-door budget
- How do I invest my SEP IRA?
- What’s a 'good' insurance credit score?
- What’s not covered
- More about Pacific Life insurance
- Special rules for the divorced
- Your 401(k) lets you move your after-tax money
- 5. Contact the seller or visit a dealership
- More about Lemonade
- Where do you find the Schumer box?
- 5. Online savings accounts
- Get more help with monthly budget planning
- Types of life insurance trusts
- Mattress-buying tips
- 3. EarnIn: Best for large advances
- W-4 form 2024
- Is United’s basic economy worth it?
- Runner-up for biggest network: Western Union
- How much car insurance you need
- 4. Set up your LLC bank account
- The caveats
- How much of your fee goes to Upwork?
- How to claim AmEx travel insurance
- F
- Google Pay
- What can you invest in with a Roth IRA?
- What’s next?
- How long do medical bill collections stay on your credit reports?
- What info do you need for a home insurance quote?
- How did NerdWallet determine the value of Skywards miles?
- Why is the 10-year Treasury yield important?
- How to invest in dividend stocks
- Now for the actual saving
- Should you buy individual stocks because of the Inflation Reduction Act?
- Accepting payments or tips in Bitcoin
- Clothes, vintage and crafts
- Saver’s credit rates for 2024
- Step 3: Choose your lender and loan
- Get a credit-builder product or a secured loan
- The best time to lower your car payment
- More small-business data from NerdWallet
- How to invest in AI stocks
- What will count toward IDR forgiveness?
- How to reactivate a subscription on your Apple device
- Net investment income tax examples
- Level up
- Limited inventory, but easy to shop
- The cons of real estate crowdfunding
- Should I refinance my car?
- Deposit timing
- The cost of employment practices liability insurance
- How does credit utilization affect my credit score?
- How to save money on an Uber
- Can I buy dividend stocks as fractional shares?
- Is the Frontier GoWild Pass worth it?
- Choosing a card
- Ability to stay for free
- Interest rate
- Debt
- Are current personal loan rates high?
- How to get a secured loan
- Can you deduct TX sales tax?
- Changing your passport name after marriage recapped
- Don’t overthink it
- Most 2022 would-be buyers fell short
- When are New York state income taxes due?
- Best life insurance company for applicants with HIV: Guardian
- 5. Get a work-study job
- May
- Should I tip housekeeping if they don’t enter the room?
- 'Because the card is cool'?
- How do I get a copy of my actual tax return?
- Does Section 179 cover real estate?
- Why are eggs so expensive in California?
- What savers and would-be savers can do
- What state has the lowest gas prices?
- Are payday loans legal?
- How to enroll in dental coverage
- Trading in vs. other methods of selling
- Mortgages where credit score matters less
- What’s the best overdraft option for me?
- Are FFELP loans eligible for PSLF?
- Reach out to community organizations
- Things to consider before buying a policy
- How does Capital One Entertainment work?
- Making minor renovations? Consider CHOICEReno eXPress
- Average certificate of deposit rate: 1.81% for one-year CDs
- Earned wage access vs. cash advance apps
- How does cryptocurrency work?
- Best for emergency medical coverage: Allianz Global Assistance
- Frugal home expenses tips
- 5. Your interest rate can be costly for non-brand purchases
- How to earn miles on the Delta SkyMiles® Gold American Express Card
- Other factors
- Tips for maximizing delayed flight compensation
- Best value plans
- Contract periods
- Discounts
- Pick a savings goal
- Stock market crash vs. correction
- 5. Treasure hunt for antiques in Old Towne Orange
- What are fleet cards?
- Best California car insurance for ease of use: State Farm
- What if I buy fractional shares and later there’s a stock split?
- LLC payroll taxes
- JetBlue
- Buying extra life insurance coverage
- How to apply online for Global Entry
- Hartville coverage options
- How do state taxes treat gambling?
- What are the tax rules for a Roth IRA?
- U.S. Bank Cash+® Visa Signature® Card
- State thresholds for the medical expense deduction
- Standard deduction for those 65 or older
- How much are credit card processing fees?
- 3. Get disability and life insurance
- What if you can’t afford to tip?
- Universal vacation packages
- Employer tuition assistance
- How to find the 2024 W-4
- Other FNBO credit cards
- Do I have to pay New York state income tax?
- How to complain about Edfinancial
- 4. Instagram
- 6. Communicate
- G
- Best Pennsylvania car insurance for ease of use: State Farm
- Buying a put option vs. short selling
- 4. Access to a dedicated concierge
- Are Roth IRAs insured?
- How to keep medical bills from hurting your credit
- Best car insurance in New Jersey for ease of use: State Farm
- Are 10-year Treasury notes a good investment?
- Minimum wage increases
- Food and beverage
- When to expect your child tax credit refund
- Calculating the value of the saver's credit
- Best Ways to Send Money to Mexico Online
- 5. Cardholders receive some money-saving perks
- You’ve got money left over for savings
- What other projects are eligible for the residential clean energy credit?
- Debt financing options for small businesses
- Cards to consider despite their balance transfer fee
- What happens if you default on a secured loan?
- 6. Inspect and test-drive the car, if applicable
- Avoid the student loan scammers
- Full list of the best pet insurance in California
- Best Michigan auto insurance for ease of use: State Farm
- Alternatives for paying down a credit card balance
- Credit cards help build credit
- 6. Work for an employer that pays for college
- Customer experience
- What about Frontier Airlines first class?
- Are there other ways to get tax records?
- Customer support
- Strategies for keeping your credit utilization low
- How to choose between Travelpro vs. Samsonite luggage
- SBA 504 loan: Best for financing fixed business assets
- SEP IRA vs. Roth IRA
- Average car insurance rates for poor credit
- Switching is no longer an option for most
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Why liquid assets are important
- How to find AI ETFs
- Why's it called the Schumer box?
- 6. High-yield checking accounts
- Which American Airlines flights can be changed online
- 2023 state income tax rates and brackets
- What else you need to know
- Need a primer?
- Why some cars cost more to insure
- Do you tip concierge?
- What if the card benefits aren’t enough?
- What if you don’t qualify for Section 179?
- Choose a bank that meets your needs
- How to compare home insurance quotes
- 6. Sample beers at Brewery X
- Should I pay a car loan with a credit card?
- How do fleet cards work?
- How to avoid overdraft fees
- Be cautious about debt
- What is the median household income in the U.S.?
- Can I buy exchange-traded funds as fractional shares?
- Receiving referrals: Compare referral welcome offers
- What is Georgia's standard deduction?
- Day-trading Bitcoin
- Step 4: Gather loan documents
- EveryDollar, for simple zero-based budgeting
- How are cryptocurrencies created?
- Don’t pay for advance seat selection
- Differences between SBA 504 and 7(a) loans
- The bottom line
- 4. Varo: Best for existing bank customers
- How do you claim the premium tax credit?
- HELOC requirements
- Is an FNBO credit card right for you?
- Will parent PLUS loans qualify?
- Do I need to worry about the net investment income tax?
- What is hyperinflation?
- How do you buy Vanguard Index fund shares?
- Travel and shopping protections
- H
- PayPal
- 3 tips to control central air conditioning installation costs
- If you’re debating when to book your hotel
- Consumer complaints
- Federal student loan consolidation
- Can (or should) I consolidate my FFELP loan?
- Restrictions and waiting periods
- Memberships
- How to earn United PlusPoints
- Use a co-signer
- Loans
- Do I have to update my W-4 every year?
- Which retirement account should I use?
- Do you ever need to change your EIN?
- Before you buy
- June
- How to do well on Upwork
- How to get Frontier seat assignments for free
- When undervalued stocks become popular
- Roth IRA eligibility rules
- Know that online-only banks are a secure option
- Full list of the top auto insurance companies in California
- How do you buy 10-year Treasury notes?
- 2024 child tax credit news update
- Should I stay in an Airbnb or hotel?
- You don’t need to have $10,000 to take advantage of compound interest
- Days in the cycle
- Alternative option: Refinance with a private lender
- Reasons to get a mortgage instead of buying with cash
- How do you claim the solar tax credit?
- Equity financing options for small businesses
- How important is it to pay no balance transfer fee?
- Best online business insurance for contractors
- Florida resident discount for Universal Orlando Resort
- Cheap pet insurance in California
- Disadvantages of franchising for the franchisee
- Current obstacles to homebuying
- What is New York state's standard deduction?
- Best life insurance company for consumer experience: Northwestern Mutual
- How to settle a dispute with Edfinancial
- How to protect against inflation
- When not to use a credit card
- Is a premium card right for you?
- Full list of the best car insurance companies in Pennsylvania
- 5. Purchase protection and extended warranty
- The bottom line
- The importance of diversification
- How are gas prices determined?
- How to build your credit score
- Other helpful resources
- United Airlines
- Consider a Discount Den membership instead
- Secure 2.0 changes: Saver's match
- Bottom line
- Best Android personal expense tracker apps
- What to do if you can’t repay a secured loan
- 7. Determine which warranties are right for you
- Lodge a student loan complaint
- Cheapest final expense companies for 2024
- Full list of the best auto insurance companies in Michigan
- How to get a home equity line of credit
- Managing subscriptions could help your budget
- Additional Aetna benefits
- 5. LinkedIn
- Final thoughts on hotel tipping
- United Economy Plus
- Consumer experience
- 7. Sample boysenberry boba and fried chicken at the California Marketplace at Knott's Berry Farm
- Full list of the best car insurance in New Jersey
- Summary: 2021 NJHMFA first-time home buyer programs
- LLC self-employment taxes
- SIMPLE IRA vs. SEP IRA
- Avoid eating in the park
- Find the best homeowners insurance in your state
- Do all auto insurers use credit-based insurance scores?
- Electronics
- Smart strategies usually involve some delay
- How to improve your liquid net worth
- Why are there so many kinds of cryptocurrency?
- How to rebook your American Airlines flight for a cheaper fare
- Will my servicer know if I qualify?
- 7. Take out federal loans if you have to
- Is Upwork the right freelance marketplace for you?
- Delta SkyMiles® Gold American Express Card travel insurance, recapped
- Where to buy employment practices liability insurance
- Make the switch, if necessary
- Glossary of overdraft terms
- Do you pay tax on T-notes?
- Navient aims to transfer FFELP loans to MOHELA
- Choose between cash-back and travel rewards
- What's the tax filing deadline for my Georgia state income tax bill?
- How to earn more interest in a savings account
- Hartville pet insurance rates
- Shopping
- Standard deduction for dependents
- Programs in north Florida
- Become an authorized user
- How to evaluate dividends
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Finding a car you can afford
- How to adjust your Form W-4
- How to save on car insurance
- Why do I need a business credit score?
- How to get a payday loan
- How to use United PlusPoints
- Benefits of an IRA
- Average money market account rate: 0.66%
- Does the solar tax credit work with other incentives?
- Upgrade Cash Rewards Visa®
- Could we be in an AI bubble?
- How to qualify for an SBA real estate loan
- Which type of life insurance should I put in a trust?
- What if you lose your EIN?
- Am I a resident for New York state income tax purposes?
- What are the best Vanguard index funds?
- July
- Methodology
- Next Steps
- NerdWallet home insurance calculator methodology
- What's next?
- Blue Cash Preferred® Card from American Express
- Why lenders charge different personal loan rates
- The cost of veterinary care
- U.S. Bank Cash+® Visa Signature® Card
- 5. Dave: Best for repayment flexibility
- How much can you borrow with a HELOC?
- Longer-term home buyer goal: Save money
- Aetna Medicare Advantage plan types
- Are these the best dividend stocks?
- Small-business valuation methods
- K
- Venmo
- Real estate crowdfunding alternatives
- How to finance central air installation
- 8. Don your dirndl at Old World Village
- Why you can trust NerdWallet
- LLC sales taxes
- If you’re thinking about buying Frontier’s GoWild Pass …
- Choose the best ticket option for your family (which probably isn’t Park Hopper)
- What company has the best rates for good drivers with poor credit?
- Looking for past years' saver's credit thresholds?
- Step 5: Submit your application and get funded
- 8. Negotiate the best price
- U.S. Bank Cash+® Visa Signature® Card
- How to fund a startup
- 2024 state income tax rates and brackets
- How do I get my business credit score?
- What’s a spousal Roth IRA?
- Payday loan alternatives to consider
- Fleet fuel cards: benefits and drawbacks
- The bottom line
- What are the best dividend stocks?
- What about Bitcoin mining?
- Off-Strip hotels without resort fees
- When can't you take the standard deduction?
- Resources for LGBTQ+ businesses
- What is Form 8692?
- What if I had delinquencies or a student loan in default?
- Best life insurance company for coverage amounts: New York Life
- The bottom line
- How to consolidate federal loans
- Types of gas
- Empower Personal Dashboard, for tracking wealth and spending
- A closer look at these companies
- Why you can trust NerdWallet
- How much money can you make on YouTube?
- L
- Consequences of a child tax credit error
- How to track your Georgia state tax refund
- Is Global Entry worth it?
- Home shopping tips
- Are cryptocurrencies financial securities, like stocks?
- 8. Borrow private loans as a last resort
- August
- 9. Ride the Giant Wheel at the Irvine Spectrum
- The bottom line
- Discounts
- Don't assume cash is better
- Best online marketplace for managing multiple policies
- Who offers SBA real estate loans?
- Other insurance companies to consider
- LLC tax forms and deadlines
- How much is my 2023 standard deduction?
- Get credit for the bills you pay
- Discover it® Secured Credit Card
- 9. Maximize trade-in value, if applicable
- 6. MoneyLion: Best for existing customers
- Should you choose the advance premium tax credit?
- Final thoughts on the different United economy fare classes
- Important considerations when opening a Roth IRA
- Pros of investing in REIT stocks
- Walmart2Walmart
- Is paying for seats worth it on Frontier Airlines?
- What you can learn from the average 401(k) balance
- Roth IRA vs. traditional IRA: What's the difference?
- Consumer experience
- How is your personal loan rate decided?
- If you're looking for how to use United PlusPoints
- How pet insurance can reduce surprise bills
- The difference between interest rate and APY
- Best for those who pack expensive equipment: Travel Insured International
- Can I get a refund?
- Aetna third-party ratings
- More about the card
- M
- 10. Smell the roses at Roger’s Gardens
- State child tax credits
- 2 things to know about Georgia state tax
- Should you invest in AI stocks?
- Learn about the best life insurance companies
- California resident discount for Universal Studios
- Is getting a HELOC a good idea?
- Ideal Chick-fil-A operator candidate
- Options trading examples
- Compare insurance rates by driver history
- Fuel card vs. business gas credit card
- Car insurance rates for drivers with good or poor credit by state
- U.S. Bank Altitude® Go Visa Signature® Card
- Programs in central Florida
- How to apply for an SBA real estate loan
- Cons of investing in REIT stocks
- Best life insurance company for permanent life insurance: Pacific Life
- September
- Earn an audience, and earn more in the long run
- Selling a put option
- Best AARP discounts
- Why are California gas prices so high?
- Baggage and other perks
- Principles of investment strategies
- Are dividends taxed?
- If you're ready to start a budget
- 10. Make the purchase
- AmEx Centurion Lounge locations
- Frequently asked questions
- What is the $500 credit for other dependents (ODC)?
- Buy Disney gift cards at Target
- How to build your credit and get cheaper insurance
- Pros and cons of cryptocurrency
- N
- The bottom line
- LLC tax tips for business owners
- 2023 vs. 2024 standard deduction
- Practice good credit habits
- Next steps
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Investing in REITs: How to get started
- What is credit card consolidation?
- How to open a Roth IRA in 4 steps
- Home insurance quote comparison example
- Child tax credit vs. child and dependent care credit
- Mission Lane Visa® Credit Card
- Become an annual pass holder or season pass holder
- W-4 calculator
- Other ways to make money
- Credit cards and elite status can improve your overall experience
- Western Union
- Choose between a general or co-branded travel card
- Pack the essentials
- Other pet insurance companies to consider
- How to lower your pet insurance cost
- How the FDIC calculates national rates
- PocketGuard, for a simplified budgeting snapshot
- How to buy business insurance online
- Advantages of franchising for the franchisor
- October
- Types of FHA loans
- When to claim the standard deduction
- Alternatives for the best life insurance for kids
- How does credit card consolidation work?
- O
- Investing
- Does your business need a fleet fuel card?
- Refer a friend
- How to get resort fees waived
- Best for adventurous travelers: World Nomads
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Final thoughts on Centurion Lounge access
- Which SBA real estate loan is right for you?
- Is it better to get a home equity loan or line of credit?
- Best life insurance company for customer satisfaction: State Farm
- Why trade options?
- Does the president control gas prices?
- Buy souvenirs in advance
- How we review pet insurance
- 3 best cold wallets
- Bank of America® Customized Cash Rewards credit card
- What else to know about Form W-4
- 4 reasons to start a trucking company
- Programs in south Florida
- 8. Klover: Best for no-fee advances
- More about top-rated life insurance companies
- Aetna Medicare Advantage service area
- P
- Worth it for the long-haul
- Transfer American Express Membership Rewards
- Cut back on theme park days with other free Disney activities
- Check your credit scores and reports
- NYC income tax rates
- November
- When to pay the resort fee
- Prosper® Card
- Cryptocurrency legal and tax issues
- Credit card rewards
- What to do if you can’t keep up with your HELOC payments
- OK, what's next?
- Is consolidating credit card debt a good idea?
- Additional tips for making money on TikTok
- The bottom line
- How does the Israel-Hamas war affect gas prices?
- S
- Zelle:
- Call vs. put options
- Transfer Marriott Bonvoy points
- Visit other Orlando attractions
- Can I still use my credit card after debt consolidation?
- If you’re considering an upgrade to United Premium Plus
- Best pay-as-you-go plans
- Which homeowners insurance companies should I consider?
- If you’re heading to Las Vegas
- Home purchasing tips
- Alternatives to small-business grants
- Chick-fil-A alternatives
- Best life insurance company for older applicants: AARP
- Mortgages
- Stay with Airbnb
- Other ways to save on car insurance if you have poor credit
- Your next step
- Honeydue, for budgeting with a partner
- Your decision: Is cryptocurrency a good investment?
- Best for medical coverage: Travelex Insurance Services
- Pros and cons of loan apps
- December
- Aetna customer service
- T
- FHA loan limits
- Capital One QuicksilverOne Cash Rewards Credit Card
- The four options market participants and their incentives
- The bottom line
- Book travel extras
- Cheapest car insurance by state
- Prime Visa
- 6 things to know about New York state income tax
- U
- What to know about the best ways to send money
- Advantages of put options
- How much does home insurance cost?
- How to find cheap American Airlines flights
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- Best term life insurance companies of April 2024
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- Book Delta Vacations
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- Best if you have travel credit card coverage: Seven Corners
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- Book a cruise
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- How to get discounted Universal Studios tickets, recapped
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- Ride with Lyft
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- Best for travelers with unpredictable work demands: Tin Leg
- Taxes
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- Buy tickets through Ticketmaster
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- Methodology
The process of applying for a personal loan may feel overwhelming if you don’t know where to begin or what you need.
Below are five steps and common questions to help you through the process of choosing and applying for the best personal loan for your financial situation.
Step 1: Check your credit
Start the process by checking your credit. The interest rate and loan amount you receive depend a lot on your credit score, so reviewing your credit report lets you spot and fix any errors — like a falsely reported late payment — and strengthen your score before applying for a personal loan.
How does my credit score impact personal loan offers?
Good- or excellent-credit borrowers (those with scores of 690 or above) typically receive lower rates and have a wider group of lenders to choose from. On the other hand, bad- and fair-credit borrowers (scores below 690) may have fewer options and receive higher interest rates.
How do I see my credit score for free?
You can get a free credit score and credit report with NerdWallet. You can also request free credit reports directly from the three major credit bureaus at AnnualCreditReport.com.
Step 2: Pre-qualify and compare offers
Pre-qualifying for a personal loan gives you a preview of estimated rates, monthly payments and terms before you submit a formal application. Many lenders allow prospective borrowers to pre-qualify on their websites.
Will pre-qualifying affect my credit score?
No, pre-qualifying for a personal loan requires a soft inquiry, which doesn’t affect your credit score.
What do I need to pre-qualify for a personal loan?
To pre-qualify, you’ll need to submit information such as:
Loan purpose. Unsecured personal loans can be used for almost anything, and most lenders ask how you intend to use the money.
Requested loan amount. Lenders typically offer personal loans from $1,000 to $50,000.
Preferred loan term. Personal loans usually have repayment terms from two to seven years.
Personal and financial information. This could include your name, email address, date of birth, address, income and Social Security number.
If you’re unable to pre-qualify for a loan on your own, consider a co-signed or joint loan. Adding someone with a strong credit score and higher income can help you get approved and lower your rate. But keep in mind that a co-borrower or co-signer will be required to make loan payments if you fail to.
How long will it take to pre-qualify?
Pre-qualifying can take up to a few minutes after you submit your information. If you qualify for a loan offer, the lender will show you potential rates and terms to choose from.
Step 3: Choose your lender and loan
The best personal loan is usually the most affordable one. Carefully consider things like APR, monthly payments and fees before you accept an offer.
APR: The annual percentage rate is the total cost of borrowing and includes your interest rate and all additional fees. The lower the APR, the lower the cost of the loan.
Loan term: The loan term is how long you will be paying off the loan. A longer term can lower your monthly payments, but you’ll end up paying more in total interest than you would with a shorter-term loan.
Fees: Some lenders charge an origination fee, which is usually 1% to 10% of the loan amount. This fee increases your APR and a lender may take it upfront, effectively lowering your total loan amount.
Monthly payments: Check the monthly payment and make sure that you can comfortably afford the loan in your budget.
Features and benefits: Identify features that are important to you, like flexible payment options, help with building your credit or direct payment to creditors if you’re consolidating debt.
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Step 4: Gather loan documents
Once you’ve chosen a loan with the rate, term and features that best fit your needs, it’s time to complete the application. Depending on the lender, you may apply for the loan online or in person.
What do I need for my loan application?
You’ll need to provide some or all of the following:
Proof of identity, including a government-issued ID or driver’s license.
Proof of address, including a recent utility bill or lease agreement.
Proof of employment status.
Income details, including bank statements or pay stubs, and proof of additional income like retirement, alimony or child support.
Social Security number if it wasn’t submitted during pre-qualification.
If you have a co-borrower on your personal loan application, they will need to submit similar documents to verify their identity, address and income details.
» MORE: Requirements for a personal loan
Step 5: Submit your application and get funded
Submitting a formal loan application triggers a hard credit inquiry. This inquiry will shave up to five points off your score and remain on your credit report for two years.
If everything checks out, you could get same-day loan approval. If the lender requests additional documents, approval may take longer.
After you are approved, carefully read and sign the loan agreement, which lays out the loan amount, APR and terms. The lender will disburse funds once the loan agreement has been signed.
If a lender does not approve your loan application, it is required to tell you the reason for the denial or to inform you of your right to seek out that information. Knowing why your application was declined can help you improve your chances of future loan approval.
How quickly you receive the money will likely depend on the type of lender you choose. Many online lenders can provide same- or next-day funding, while some banks and credit unions may take up to a week.
» MORE: Best lenders for quick cash
Once you receive funding, expect your first loan payment to be due within 30 days. If you’ve opted into automatic payments, the funds will be debited from the bank account you provided. Add your monthly payment amount to your budget to manage your debt repayment.
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