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What is a Personal Loan?

Broadly defined, a personal loan is a type of installment loan, which means that it is repaid over time with a set number of scheduled payments. It is also a form of loan that can be utilized for practically any purpose whatsoever. This can be beneficial in any scenario where additional funds are required.

Personals loans, also known as unsecured loans, are different from payday loans, short term loans, or cash advances in that they offer higher loan amounts, have lower interest rates, and longer repayment periods. Approval for these loans are not based on employment but rather the credit history of the borrower. Borrowers with good credit can usually be approved for a personal loan and can be used to cover large payments that may need to be made such as college tuition or home repairs.

Personal Loan APR

The lenders we work with offer APRs between 5.99% to 35% with repayment periods ranging from 12 to 84 months (there are no early payment penalties). It is not ideal to owe any money but if you require a loan, a personal loan could definitely be a viable option.

Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a personal loan.

  • APR
  • Amount
  • Period
  • Monthly
  • Total Paid
  • 6%
  • $4,000
  • 24 mo
  • $177.28
  • $4,254.78
  • 15%
  • $4,000
  • 24 mo
  • $193.95
  • $4,654.72
  • 25%
  • $4,000
  • 24 mo
  • $213.49
  • $5,123.67

Important Points to Consider

LoansDeal.com is only partnered with professional lenders who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any personal loan offer. We recommend that you closely view the terms of any loan offer you get. There are no fees and no obligation for our service to match you with potential lenders.

Fees and Interest

There is no charge for our services. The lender is required by federal law to present to you the terms of the loan, the rates and all costs associated with the loan prior to your executing the loan documents. Please review these carefully. At no time are you required to enter into a loan that you do not understand the terms, costs and rates or any other part of the loan documents. Please feel free to exit the process at any time as you are under no obligation to accept the loan presented.

Financial Implications (Interest and Finance Charges)

If you get approved for a personal loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. LoansDeal.com is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.

Here are examples from some of our lenders:
"If you receive a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of approximately $152.18 at a 6.78% APR."

"In the case of a $15,000 60-month loan at an interest rate of 7.90% with a 3.00% origination fee of $450.00, you will receive a loan amount of $14,550.00 and will make 60 monthly payments of approximately $303.43 at a 9.20% APR."

Late/Non Payment Implications

Accepting the terms and conditions for a personal loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely you will incur insufficient fund fees, non-payment fees, legal fees, interest and administrative fees.

Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of LoansDeal.com is to partner only with reputable, trustworthy lenders who pursue collections of past-due loan accounts always in a fair and reasonable manner.

Credit Score Consequences

On top of the financial costs of debt collection and personal loan fees, failure to pay off a personal loan will usually result in a negative entry in your credit history. Non-payment will usually cause your credit score to drop and other lenders and agencies will see the loan delinquency on your credit history. A delinquent personal loan on your credit history will make future loans you want to receive difficult, more expensive or even impossible to get.

Collection Practices

As previously stated, LoansDeal.com is not a lending operation, and we do not get involved in the process of debt collection. As part of the loan documents your lender will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you explore that issue with the lender. At LoansDeal.com we are proud of our policy of only working with lenders who pursue delinquent accounts in a manner that is fair and reasonable.

Loan Renewal Policies

Prior to accepting a particular personal loan offer, you will be presented with various loan renewal options by your lender. Carefully look through the lender's loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders' loan renewal policies to a significant extent.

Personal loans should not be used as a long-term financial solution. At LoansDeal.com, we always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a personal loan after borrowing it, LoansDeal.com advises you to closely examine different loan alternatives before you take the step of requesting for loan assistance through us.

State and Local Laws and Regulations

All personal loan providers are regulated by federal and state entities and must follow and adhere to all laws in terms of lending and non-payment. It is important to understand the laws and regulations that apply to your loan and your lender before you take out a personal loan.

Customer Notice: A personal loan is an online loan ranging generally from $1,000 to $50,000. Personal loans are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use LoansDeal.com’s services. Federal and state laws cover certain types of lenders and loans. Consumers are encouraged to research laws that may be applicable to personal loans, and to ask their lenders for more information.

Legal Disclaimer: LoansDeal.com's Terms of Use and the LoansDeal.com Privacy Policy apply to the use of this website and its services. LoansDeal.com matches borrowers with lenders and thus the specific terms and conditions of the specific lender will apply to any loan a borrower takes out. Any display of APR, loan amounts, interest or other loan details are only estimations. In reality these amounts will vary by lender and by borrower. Lending decisions are based on many factors, including but not limited to credit history, employment history, and loan repayment history. Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use LoansDeal.com's service to initiate contact, or request for credit or any loan product with any service provider or lender. The lender you match with may not offer the best possible terms and borrowers should always compare all available options before making any decisions.

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make any short term cash loans or make any credit decisions. LoansDeal.com simply helps borrowers find lenders for personal loans. LoansDeal.com aims to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

Availability: Our company does not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.