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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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- Citi® Diamond Preferred® Card
- Does YouTube TV allow password sharing?
- How to get a hardship loan
- How it works
- Goodbudget, for hands-on envelope budgeting
- Keep an eye on everything else
- Gift tax limit 2024
- 6. Check the Sunday newspaper
- Local sales
- Consider specialized apps to make it easy
- Which issuers offer credit card locks?
- The housing shortage will persist
- Best hotel for long-term stays: Hyatt House
- 6 quick tips to minimize the tax on mutual funds
- Key terms in this story
- About home equity lines of credit
- Which life insurance policy is right for me?
- The bottom line
- Authorize.net features overview
- How are dividends taxed?
- Net worth calculator
- Bottom line
- Is PMI tax-deductible?
- What to do if you face loan default
- 3. Pay off your balance
- How to get a home equity loan
- Point-of-sale hardware
- Is the OASDI tax mandatory?
- How much is car insurance in my state?
- Use reward points
- 3. Enroll in autopay
- What do I need to fill out Form 1040?
- Updates can affect future product offers
- Kirkland’s
- 5. ‘I’ve been looking all over for this color.’
- Common size income statement analysis
- How the Fed changed the role of reserves
- Treasury bond and note calculator
- What's next?
- 4. Your account is available immediately upon approval
- Is Brightline nice?
- Other features that may be similar
- National second chance banking
- Moving truck rental
- How much interest will I earn on $10,000?
- How do I know if I'm working with a fiduciary financial advisor?
- How to build credit
- 6 types of dividends
- Next steps to determine how much financial aid you can get
- Issuer restrictions
- 4. Ordering food
- How much should you spend on a mattress?
- Frugal DIY project tips
- 3. Facebook
- Boost vs. UltraFICO and eCredable Lift
- Are there any issues with early direct deposit?
- Guardian Life insurance customer complaints and satisfaction
- Types of REITs
- TV-buying tips
- Who covers the purchase while the refund is pending?
- April
- What is my Georgia residency status for state income tax purposes?
- 5. You can get a PREMIUM Club membership to access discounts
- What is a good business credit score?
- Get around the Strip for free or cheap
- Are Walmart MoneyCenter services worth it?
- How does a HELOC work?
- Lower your payment if necessary
- How to find another company's EIN
- 4. Use grants if you qualify
- How to choose the best savings account
- More about the card
- What if you're unable to change your due date?
- Your card has a hold placed on it
- What is a good beta for a stock?
- Bull markets vs. bear markets
- 3. Apple Pay Later
- 5. There’s no traditional card to graduate to
- What's next?
- Why haven't I received my tax refund?
- 3. Paying ahead clears room for other needs
- 5. Interior designer
- How to invest in dividend aristocrats
- Do I have to pay California state tax?
- 4. Refinance to get rid of PMI
- What’s not covered
- When can you stop paying for PMI?
- How to open an ABLE account
- Microsoft Office Template
- Should my child also use a debit card or banking app?
- What if I lose the cashier's check?
- Media company strikes in 2024
- Is it a good idea to consolidate credit cards?
- Why HELOCs are coming back
- How to apply for a joint business bank account
- How to consolidate private student loans
- Does YouTube TV offer offline viewing?
- The significance of adjusted gross income
- For Medicaid beneficiaries
- Standard deduction 2024 (taxes filed 2025)
- Portfolio management: Things to keep in mind
- Other tech tools to help you manage your money
- 4. Add items to your shop
- Today’s rates for specific kinds of mortgages
- How to change your Frontier Airlines flight instead
- How to open a brokerage account
- 2. You might need to register
- The Bitcoin ETF price war
- Using card lock strategically
- 5 steps to applying for a mortgage
- Best hotel for business and leisure travel: Both
- Rocket Homes pros and cons
- Third-party ratings
- Are P2P payments safe?
- Optional coverages
- ‘Why IUL is a bad investment’
- How do you sign up for a Costco membership?
- How to invest in dividend stocks
- Other wallet options
- How do I invest my SEP IRA?
- Integrations with accounting software
- Are my finances stable enough to refinance?
- Who might prefer the Platinum
- Penalties for getting caught without insurance
- Does HBO Max allow password sharing?
- How are HELOC payments calculated?
- 2. Derogatory mark: Account charge-off
- RetailMeNot
- Issuers may share your income information with other companies
- Domestic vs. international fees
- How to gift stock
- Information is power
- 5. It’s one of several ways you can pay for medical expenses
- Gift tax limit 2023
- 6. Pick up weekly ads at the store
- Consider your legal options
- What does the future hold?
- 5. Online savings accounts
- What info do you need for a home insurance quote?
- You don’t have good enough credit after all
- Mattress-buying tips
- 5. Contact the seller or visit a dealership
- Why is the 10-year Treasury yield important?
- What is American Airlines Main Plus?
- The long straddle
- More about Guardian Life insurance
- When do you have to pay taxes on stocks?
- Redeeming Amtrak points
- What's next?
- When a car payment doesn't fit your budget
- Your accounting software
- What to do after removing an authorized user
- Lifelong lessons
- How to qualify for the earned income credit
- How does a debt consolidation loan work?
- Citi Double Cash® Card
- Other hardship loan options
- Average Disney World hotel room costs
- What affects your credit score?
- MAGI vs. AGI: What's the difference?
- Step 3: Choose your lender and loan
- Clothes, vintage and crafts
- Types of life insurance trusts
- W-4 form 2024
- Pre-qualification vs. preapproval
- The Fed will get introspective
- Benefits of staying as a World of Hyatt member
- An added incentive for early payments
- Protections: Shopping and travel benefits
- Apply for financial aid
- Where single-parent households can still gain ground
- How to invest in AI stocks
- 4. Consider a co-signer
- Other ways to build credit
- Compare your net worth
- What happens to rewards earned from the purchase?
- Pumpkin coverage options
- Are home equity loans a good idea?
- How to pay for a roof replacement
- Why use an SBA loan to buy equipment?
- What happens if I don’t renew my policy?
- Pay brunch price for buffets
- Deposit timing
- Starbucks Workers United and Starbucks are negotiating
- What are the other 2024 tax deadlines to know?
- ESG investing vs. socially responsible investing vs. CSR
- How does credit utilization affect my credit score?
- Does YouTube TV fit in your budget?
- Download Form 1040
- Your card status has changed
- Limitations of beta analysis
- Treasury bills calculator
- 8. Look at the product packaging
- What to expect from the credit card fraud investigation
- Do spot Bitcoin ETFs have custodianship risk?
- How much Medicare Part A costs
- 6. Landscaping and gardening
- 5. Customs
- How to safely make and receive P2P payments
- Does insurance cover abortions?
- ONE VIP Visa Prepaid Card
- How do you pay for purchases at Costco?
- Know your rights
- May
- No-PMI mortgages
- When are New York state income taxes due?
- Is OASDI tax the same thing as Social Security tax?
- If you have insurance, but no proof
- Consider the costs of cashing out your 401(k)
- How to fit HBO Max into your budget
- Do debt consolidation loans hurt your credit?
- How to calculate quarterly estimated taxes
- 4. Make biweekly payments
- How to calculate your modified adjusted gross income
- Additional costs for international wires
- 5. Get a work-study job
- Complimentary Admirals Club membership
- Storing your Bitcoins: Hot wallets vs. cold wallets
- How the lifetime gift tax exclusion works
- What is a good deductible for car insurance?
- Get pre-qualified or preapproved?
- 6. Are you doing a hard credit check on me today?
- Estimate your 2024 IRS tax refund date
- Best homeowners insurance in Texas for consumer experience: Nationwide
- How much does a fiduciary financial advisor cost?
- How much life insurance should I buy?
- Medicare resources in Florida
- LLC payroll taxes
- Dividend aristocrats ETFs
- Frugal home expenses tips
- What is California's standard deduction?
- What are fleet cards?
- ABLE accounts can provide peace of mind
- Other ways to skip the TSA lines without paying
- Find discounts on shows
- Contract periods
- Best for emergency medical coverage: Allianz Global Assistance
- What plans are best for seniors?
- Which card should you get?
- Comparing a HELOC and cash-out refi
- Average certificate of deposit rate: 1.81% for one-year CDs
- The pros
- Track loan forgiveness eligibility
- Standard deduction for those 65 or older
- Asia Pacific
- Can I open a savings account online?
- U.S. Bank Cash+® Visa Signature® Card
- Common size balance sheet analysis
- Doing great
- Stock market crash vs. correction
- Are 10-year Treasury notes a good investment?
- The most popular surveys for cash apps
- 4. Instagram
- How to freeze your child’s credit
- Benefits of a larger down payment
- Save money on PMI
- Where can I get an SBA loan to buy equipment?
- Do I have to pay New York state income tax?
- Can I get my Social Security tax back if I’ve overpaid it?
- Cashier’s check vs. certified check vs. money order
- When debt consolidation isn't worth it
- Chase Freedom Flex℠
- 3. Derogatory mark: Repossession
- Credit union personal loan rates
- What is your modified adjusted gross income (MAGI)?
- How to get a good credit score
- Other Roth IRA rules
- How to change or cancel an EIN
- Best Medicare Advantage plans
- 9. Browse store aisles
- How to find the 2024 W-4
- Regional and state-based second chance checking accounts
- Universal vacation packages
- 7. Photography
- Errors
- Keys to continued improvements
- 6. Inspect and test-drive the car, if applicable
- How to get American Airlines Main Cabin Extra Seats for free
- Pricing: Stripe vs. Authorize.net
- What is net investment income tax?
- Restrictions and waiting periods
- No impact on forgiveness under IDR, PSLF
- SEP IRA vs. Roth IRA
- Investments for money you need in 2 to 3 years
- Customer support
- Designing your budget
- Citi Custom Cash® Card
- Recent strikes
- Find the best HELOC lender for you
- Strategies for keeping your credit utilization low
- Which Form 1040 schedules should I use?
- Other ways to cut wire-transfer costs
- Petra hotel you can book with points
- 6. Work for an employer that pays for college
- What to do if you can’t open a savings account
- Brokerage accounts are taxable accounts
- 4. Klarna
- Avoid the student loan scammers
- Riding Brightline from Orlando Airport
- What’s the cheapest way to move?
- 6. High-yield checking accounts
- What does personal liability insurance not cover?
- Is a robo-advisor a fiduciary?
- How to compare home insurance quotes
- Want cheaper insurance? Avoid these vehicles
- How to find AI ETFs
- How quickly do P2P payments post to the recipient's account?
- Is a Costco membership worth it?
- What part of my income gets taxed by California?
- How do fleet cards work?
- Does getting a refund on a credit card hurt your credit?
- What is Georgia's standard deduction?
- How do I grow my home's equity?
- Can I renew my auto insurance policy after it expires?
- Do free and cheap things
- Is it time for you to switch to a better plan?
- 5. Pay off capitalized interest
- Upside
- Step 4: Gather loan documents
- What if Frontier Airlines cancels your flight?
- There are typos or everyday mistakes
- 3. The lounge you visit might not be the swankiest
- What do the approvals mean for Bitcoin?
- 7. Do you charge for an interest rate lock?
- Where are abortions available?
- 5. Use collateral to secure the loan
- Travel and shopping protections
- How do you buy Vanguard Index fund shares?
- How much should you put down on a house?
- Other low-down-payment mortgage options
- Strategies for early savings
- 3 tips to control central air conditioning installation costs
- How much is car insurance by company?
- ESG investing examples
- Federal student loan consolidation
- EveryDollar, for simple zero-based budgeting
- HELOC requirements
- Do you have to pay tolls in a rental car?
- How to avoid Wells Fargo overdraft fees: Grace period and buffer
- The bottom line on beta
- 10. Check your receipts
- Where's my 2024 state tax refund? Track your status
- Full list of the best home insurance companies in Texas
- Bottom line for home sellers and buyers
- You don’t need to have $10,000 to take advantage of compound interest
- Do you ever need to change your EIN?
- 8. Apparel designer
- Protection and insurance benefits
- How do you buy 10-year Treasury notes?
- Stripe vs. Authorize.net: Which PSP is right for your business?
- June
- Who counts as a qualifying child for the earned income credit?
- Mutual fund fees
- BankAmericard® credit card
- Average Disney World food costs
- The cons
- For the uninsured
- Other options
- Global Entry/TSA PreCheck application fee credit
- 2024 lifetime gift tax exemption
- Do I have to update my W-4 every year?
- It’s just business
- What do P2P payments cost?
- Ex-dividend dates
- The long strangle
- When should you freeze your credit?
- How to pay lower taxes when selling stocks
- Pumpkin pet insurance rates
- Alternatives to an SBA equipment loan
- What is New York state's standard deduction?
- How can I avoid cashier's check fraud?
- Travel in the off-season
- 4. Derogatory mark: Collections
- When did all of the tech layoffs start?
- Common size cash flow statement analysis
- The importance of diversification
- 8. Will I have to pay mortgage insurance?
- Florida resident discount for Universal Orlando Resort
- 9. Social media manager
- How much do life insurance policies cost?
- LLC self-employment taxes
- 7. Determine which warranties are right for you
- 5. LinkedIn
- Am I a resident for California state tax purposes?
- Amtrak Guest Rewards elite status
- SIMPLE IRA vs. SEP IRA
- When will I get my refund?
- Types of ESG investments
- 6. Stick to the standard repayment plan
- How to get a loan from a credit union
- How to get a home equity line of credit
- Cheaper ways to send money
- How to manage your own portfolio
- What is 100% or full reserve banking?
- 11. Use social media
- Electronics
- Lodge a student loan complaint
- How to get a tax refund sooner
- Medicare Part A eligibility
- Tips for calculating how much life insurance you need
- How to earn more interest in a savings account
- Do you pay tax on T-notes?
- FamZoo Prepaid Card
- What's the tax filing deadline for my Georgia state income tax bill?
- How to get a refund if the IDR account adjustment forgives your debt
- How to pay estimated taxes
- Standard deduction for dependents
- How you earn miles on Alaska Airlines
- 7. Take out federal loans if you have to
- First checked bag free
- How much does homeowners insurance cost in Texas?
- Sharing a Prime membership Using Amazon Household
- How to evaluate dividends
- Frequently asked questions about P2P payments
- 6. Find the right lender
- United Airlines flight delay compensation recapped
- Other considerations to determine your down payment
- Investments for money you need in 3 to 5 years
- Why do I need a business credit score?
- Frequently asked questions
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Can I claim the EITC without a child?
- Recap: How to get a cashier's check
- Finding a car you can afford
- Who benefits from the cash stuffing envelope system
- Rental car tolls, recapped
- Other options for getting your money back
- Brokerage accounts vs. IRA
- 5. PayPal
- How to adjust your Form W-4
- What if you lose your EIN?
- 10. Internet researcher
- Could we be in an AI bubble?
- Next Steps
- Cons of a credit freeze
- July
- What are the best Vanguard index funds?
- How we tracked prices
- Am I a resident for New York state income tax purposes?
- Why you might want the Citi Double Cash® Card
- Average money market account rate: 0.66%
- Ibotta
- Blue Cash Preferred® Card from American Express
- What is the money multiplier formula?
- Who pays the gift tax?
- Is Brightline worth it?
- What do the approvals mean for other crypto investments?
- Which type of life insurance should I put in a trust?
- Term vs. whole life insurance tool
- LLC sales taxes
- Can I travel to get an abortion?
- Small-business valuation methods
- Are these the best dividend stocks?
- If you want to skip the security line without paying
- How to finance central air installation
- Can you lose money in mutual funds?
- 7. Use 'found' money
- How much can you borrow with a HELOC?
- Step 5: Submit your application and get funded
- The bottom line
- The complete list of dividend aristocrats
- 8. Negotiate the best price
- Fleet fuel cards: benefits and drawbacks
- Discounts
- How do I get my business credit score?
- Capital One Venture Rewards Credit Card
- How to claim the earned income tax credit
- Tax Day resources
- 5. Student loan delinquency or default
- Credit union vs. online lender
- Final thoughts on finding cheap Southwest flights
- When can't you take the standard deduction?
- Enhanced airport experience
- 4. Unlimited guests? Maybe not
- Do you pay taxes when you receive a gift?
- 9. What will my monthly payment be?
- Cards with primary coverage
- 11. Web designer
- The bottom line
- Frequently asked questions about estimated tax payments
- If you want to travel on a budget
- How to consolidate federal loans
- Portfolio management vs. wealth management
- More resources
- Average cost of homeowners insurance in Texas by city
- How much personal liability coverage do you need?
- Is Amazon Prime worth it?
- Credit freeze or credit lock?
- Consumer experience
- How to track your Georgia state tax refund
- Methodology
- Other types of 1040 tax forms
- Empower Personal Dashboard, for tracking wealth and spending
- Calculating MAGI: Example
- How much money can you make on YouTube?
- Africa
- More about the card
- August
- The future of blockchain technology
- How much is auto insurance based on your driving record?
- ESG investing: How to get started
- What is the highest credit score, and how many people have it?
- The bottom line
- 8. Borrow private loans as a last resort
- Is the gift tax deductible?
- 10. Do you have an origination fee?
- 12. Nutrition consultant
- LLC tax forms and deadlines
- Is Main Cabin Extra worth it on American Airlines?
- Greenlight Prepaid Mastercard
- The synthetic long
- How much is my 2023 standard deduction?
- 25% discount on in-flight meals and drinks
- 6. Sezzle
- American Express add-on coverage
- If you’re choosing between Hyatt Place and Hyatt House
- More about the card
- Important considerations when opening a Roth IRA
- Compare top-rated life insurance companies
- 9. Maximize trade-in value, if applicable
- Who can access your frozen credit reports?
- Pros of investing in REIT stocks
- Consequences of an EIC-related error
- Dosh
- What you can learn from the average 401(k) balance
- How much is the gift tax rate?
- The cheapest home insurance in Texas
- More about the card
- 2 things to know about Georgia state tax
- Best for those who pack expensive equipment: Travel Insured International
- The difference between interest rate and APY
- There's no reason not to join if you stay at Hyatt hotels
- Trip protection
- 11. What other costs will I pay at closing?
- 13. Culinary business
- Should you invest in AI stocks?
- Fuel card vs. business gas credit card
- Compare insurance rates by driver history
- 6. Derogatory mark: Bankruptcy
- Next steps
- Is getting a HELOC a good idea?
- U.S. Bank Altitude® Go Visa Signature® Card
- California resident discount for Universal Studios
- Cons of investing in REIT stocks
- September
- Earn an audience, and earn more in the long run
- 12. How — and how often — will I be updated on the loan’s progress?
- It pays to know
- 14. Personal chef
- Are dividends taxed?
- 10. Make the purchase
- Pumpkin vs. competitors
- 5. You can't stay forever
- How much does personal liability insurance cost?
- Find the best life insurance policy for you
- LLC tax tips for business owners
- The bottom line
- U.S. Bank Cash+® Visa Signature® Card
- Can I still get a past year's earned income tax credit?
- Which card should you get?
- Stay at a Marriott beach resort with points
- 2023 vs. 2024 standard deduction
- 5. Choose your payment preferences
- Other perks
- Common gift tax return triggers
- 13. Do I have to sign all the paperwork in person?
- What to know about Texas homeowners insurance
- What is credit card consolidation?
- Home insurance quote comparison example
- 15. Home health care
- Next steps
- California state tax credits
- Investing in REITs: How to get started
- How you earn points on JetBlue
- 7. Zip
- Walmart MoneyCard
- Small-business incubator programs
- Receipt Hog
- Other ways to make money
- W-4 calculator
- Become an annual pass holder or season pass holder
- Apparel and shoes
- October
- How the FDIC calculates national rates
- 7. Derogatory mark: Foreclosure
- PocketGuard, for a simplified budgeting snapshot
- When to claim the standard deduction
- How does credit card consolidation work?
- 16. Massage therapist
- Understanding life insurance quotes
- Does your business need a fleet fuel card?
- Which cities and counties have pay transparency laws?
- Investing
- Modified adjusted gross income: The bottom line
- 14. How long until my loan closes?
- Best for adventurous travelers: World Nomads
- Potential strikes ahead
- Is it better to get a home equity loan or line of credit?
- 6. Set up billing
- What's next?
- 17. Personal trainer
- What else to know about Form W-4
- The bottom line
- November
- NYC income tax rates
- How to rebuild your score after a derogatory mark
- How you earn points on Southwest
- Is consolidating credit card debt a good idea?
- 18. Accounting, tax preparation or bookkeeping
- OK, what's next?
- Alternatives to startup business grants
- Striking worker totals increased by 141% in 2023
- Rakuten
- What to do if you can’t keep up with your HELOC payments
- No foreign transaction fees
- Compare buy now, pay later apps
- Credit card rewards
- Student loan repayment programs in California
- Bank of America® Premium Rewards® credit card
- How to get a business loan from a bank
- Other life insurance options for seniors
- Best stocks for beginners
- Is it worth the annual fee?
- Should you use a buy now, pay later app?
- Can I still use my credit card after debt consolidation?
- Which homeowners insurance companies should I consider?
- 19. Information services and online courses
- Low-fee alternatives to prepaid cards
- Mortgages
- December
- Best for medical coverage: Travelex Insurance Services
- Honeydue, for budgeting with a partner
- The bottom line
- More about buying life insurance as a senior
- Other cash-back apps to consider
- How to track your California state refund
- Shopkick
- The bottom line on investing in stocks
- How much does home insurance cost?
- 20. Event planner
- Cheapest car insurance by state
- 6 things to know about New York state income tax
- The bottom line
- Who is the Citi® / AAdvantage® Executive World Elite Mastercard® right for?
- Texas Department of Insurance
- Bilt World Elite Mastercard® Credit Card
- CoinOut
- More about top-rated life insurance companies
- Other hardship assistance
- 21. Bridal consultant
- California state sales tax
- Swagbucks
- Looking for more insurance in Texas?
- What goes into a homeowners insurance quote?
- Prepaid-like options from fintechs: Apple Cash and Cash App
- How to find the best term life insurance company
- How to make money from home
- Beauty and personal care
- How much is auto insurance for good and poor credit?
- Alternatives to bank business loans
- Budgeting resources from NerdWallet
- 7. Open your Etsy shop
- Alternatives to buy now, pay later
- Military discounts
- 22. Virtual assistant
- Credit cards do cash back too
- 5 things to know about California state tax
- Best if you have travel credit card coverage: Seven Corners
- How to get cheap car insurance
- Hardship financing to avoid
- 23. Develop baby products
- How we picked the apps
- Personal loans
- 8. Customize your shop
- AAA membership discounts
- Other notable options
- Methodology to identify the best budget apps
- 24. Day care
- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
- How to get a cheap homeowners insurance quote
- Warehouse clubs
- 25. Baby planner
- What are prepaid debit cards?
- How to apply for financial aid in California
- More about term life insurance
- The bottom line
- Major issuers and their policies on instant credit access
- Best for long-term travelers: IMG
- How much is auto insurance based on age?
- How to get discounted Universal Studios tickets, recapped
- Student loans
- Prepaid debit cards vs. regular debit cards
- More about top-rated life insurance companies
- How to make money offline
- Frequently asked questions about prepaid cards
- Entertainment
- Best for travelers with unpredictable work demands: Tin Leg
- Taxes
- Travel rewards
- Full list of the best car insurance companies
- EXCELLENT GENERAL-PURPOSE CARDS FOR SHOPPING
- Get your free birthday stuff and deals
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- How much is auto insurance based on gender?
- How to compare car insurance rates
- Best car insurance companies by state
- How much is auto insurance based on vehicle type?
- How to find the best car insurance
- Best for group travel insurance: HTH Insurance
- How to choose an online business idea
- What else affects my car insurance cost?
- How to get cheap car insurance
- Types of travel insurance
- How to choose an insurance company
- What does travel insurance cover?
- Watch out for making money scams
- What’s not covered?
- How much does it cost?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Top credit cards with travel insurance
- 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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