9 Best Personal Loans Near Me

Personal Loans Near Me

If you’re in need of fast cash, you may be wondering, “Where can I find a personal loan near me?” Thanks to the internet, you no longer have to look close to home to find a loan — even in an emergency.

With so many lenders and online lending marketplaces working with consumers who have bad or no credit, you’re likely to find your best loan options on the web. And, most lenders can complete the loan process and distribute your funds by the next business day, no matter your location.

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Personal Loans for Bad Credit Near Me

Dozens of online lenders can work just as fast — usually faster, in fact — than banks in your area to approve your loan and deposit funds in as little as one day.

Many of these lenders are part of lending marketplaces — which means you can fill out one pre-qualifying application and the marketplace matches your needs to one or more of its many partner lenders. If you qualify, you could receive multiple loan offers to choose from.

  • Short-term loans up to $5,000
  • Online marketplace of lenders
  • Funds available in as few as 24 hours
  • Simple online form takes less than 5 minutes
  • Trusted by more than 2 million customers
  • Not available in NY or CT
  • Click here for official site, terms, and details.


Overall Rating

Loan Amount Interest Rate Loan Term Loan Example
Up to $5,000 Varies Varies

See representative example

MoneyMutual is a gateway to many lenders that each offer short-term loans of up to $2,500 — and each lender considers all applications, regardless of credit history. Your initial pre-qualifying application takes less than five minutes to complete, and, if approved, you could receive multiple loan offers.

Applicants must have verifiable income of at least $800 a month to qualify. The network has initiated more than 2 million loans in the U.S. over the last decade, but the service is currently not available to residents of New York.

CashUSA.com offers loans of up to $10,000 to applicants who earn at least $1,000 per month, after taxes. If approved, you could have as many as 72 months to repay your loan with competitive interest rates that start at 5.99%. But keep in mind that the network hosts many lenders, and each one sets its own term lengths and interest rates.

You can borrow as little as $250 from the CreditLoan.com network, which makes this a cheaper alternative to payday loans. Lenders on the network consider applications from consumers who have bad credit and will lend up to $5,000 to qualified applicants.

BadCreditLoans.com doesn’t require a minimum credit score from applicants, but each lender on the network has its own standards for approval. Many lenders on the network specialize in bad credit loans and can provide up to $5,000 to qualified applicants in as little as one day.

The PersonalLoans.com network offers the largest range of loan amounts on this list, with options from $500 up to $35,000. You must provide a verifiable income source of at least $2,000 per month to qualify for a larger loan amount. Loan terms range between three and 72 months with variable interest rates that each lender sets individually.

CashAdvance.com provides short term loans to bridge the gap between paydays. These two-week loans of up to $1,000 come with ultra-high interest rates if you don’t pay your debt on time, so be certain that you can close any loan by the agreed-upon date. Since CashAdvance.com bases its loan decisions on your income — which must be at least $1,000 per month — you won’t have to undergo a credit check for approval.

Personal Auto Loans for Bad Credit Near Me

If your car decided to take an unexpected early retirement — or you’re just tired of taking public transportation — you should consider one of the following auto lender networks that work with consumers who have bad credit histories.

These options provide flexible terms and better rates than most in-house financing. If approved, you can get your loan funds or certificate in as little as 24 hours.

  • Network of dealer partners has closed $1 billion in bad credit auto loans
  • Specializes in bad credit, no credit, bankruptcy and repossession
  • In business since 1999
  • Easy, 30-second pre-qualification form
  • Bad credit applicants must have $1500/month income to qualify
  • Click here for application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
3.99% - 29.99% 1999 3 minutes 9.5/10

Since 1999, the Auto Credit Express lending network has closed more than $1 billion in loans to consumers who have bad credit. The network works in all 50 states and doesn’t limit you to which dealer you use to purchase your new car. Applicants must have at least $1,500 in verifiable monthly income to qualify.

The Car.Loan.com network claims to connect thousands of bad credit consumers to auto lenders every day. And the lenders you’ll apply to work specifically with consumers who have bad credit, bankruptcies, or have never purchased a car before. If approved, you can complete your loan within hours, not days.

Qualified applicants to the myAutoloan.com network can receive up to four offers within minutes after they apply — which takes two minutes or less. If approved, you can choose the offer that suits your needs and quickly complete your loan on the lender’s website. Most lenders provide a check or loan certificate within 24 hours that you can take to any dealership.

Where is the Best Place to Get a Personal Loan?

As with most things today, you’ll find better selection and pricing when you search online. That’s because most online lenders don’t have the overhead costs traditional banks have. Since they don’t have to pay for branch locations and thousands of employees, you won’t get stuck with all the fees that help fund those expenses.

In the past, many people shied away from applying for online loans. Most think their local banks or credit unions can process applications faster in person and give them access to their funds sooner than an online lender, but that simply isn’t true.

Marketplace lending has revolutionized the loan industry over the last decade. The nearly automated process takes your single pre-qualifying application and shops it among a host of lenders who then approve or deny the request. You could receive multiple loan offers to choose from, depending on your credit history.

And, since there’s so much competition in the space, each lender has incentive to accept loans from consumers who have bad credit — many with terms unheard of for such applicants just a few years ago.

And although this may sound like a complicated process, it only takes a few minutes to fill out an application, and many lenders allow you to go from application to funding in as little as one day. That’s because they use your linked bank account to electronically transfer the funds soon after you complete your loan paperwork.

Where Can I Get a Personal Loan with No Credit Check?

Most lenders want to know for certain that you can pay off your debt before they offer you a loan. Traditionally, you would prove that you could do this by submitting a credit check that showed a previous history of responsible financial behaviors.

But many of the lenders on our list specialize in working with consumers who have bad credit and understand that a credit check may not tell the whole story for these people. That’s why some may accept other financial documents to back your loan.

CashAdvance.com, for example, looks at your verified employment and income records in lieu of your credit history. If you make at least $1,000 per month, chances are good that you’ll receive loan approval.

Example Cost of a Short-Term Loan

But keep in mind that these short-term loans are very costly if you don’t pay the entire balance of your loan within the one- or two-week specified time frame. Interest rates on these loans start at 200% and can climb as high as 2,290% — which is why CashAdvance.com recommends using its services only as a last resort.

Several other online lending marketplaces will weigh your income alongside your credit history when considering your application, which can help offset negative marks on your credit report.

Meeting or exceeding the minimum salary requirements with MoneyMutual ($800 per month), CashUSA.com ($1,000 per month), or PersonalLoans.com ($2,000 per month) could push you well into “approved” territory without the need for a full credit check.

How Can I Get a Personal Loan Fast?

Personal loans are more convenient than most other types of loans. While many loans specify how you use the borrowed money — such as a mortgage for a home or an auto loan for a car — you can use a personal loan for anything you wish.

But that type of freedom often comes with more hoops to jump through. Lenders want to make sure that you can repay your unsecured debt. Those other types of loans have specific collateral that secures the debt — a bank can take your home or car if you stop paying — but an unsecured loan leaves the lender holding the bag if you bail on your obligation.

Photo of an online loan application on a tablet

You’ll receive money faster through an online loan than a traditional bank loan.

These liabilities often slow the loan-approval process down as the lender scrutinizes every line of your credit report.

But many online lenders let technology do the heavy lifting in the underwriting process. That means your pre-qualifying application can receive approval in a matter of minutes. Once you settle on a loan option, you will leave the lending marketplace’s website and move to the lender’s website where you will complete the application paperwork and link your bank account to receive an electronic funds transfer.

In most cases, you can go from application to funding within one business day. The process may be delayed a bit if you apply on the weekend or during a bank holiday.

That’s much faster than most banks and credit unions. And since these lenders work closely with consumers who have bad credit, you’re more likely to find an agreeable lender than if you stick only to the financial institutions in your area.

Go Online to Find Nationwide Companies that Can Help

The internet makes it easier to have your favorite food delivered, keep in touch with loved ones, and find video evidence of that weird commercial you remember from when you were a kid. Online lending marketplaces also make it easier — and faster — to find a loan that meets your needs without judging your credit history.

If you’re limiting your loan search only to lenders in your area and asking, “Where can I find personal loans near me?” you may hold yourself back from finding a more affordable loan option with better terms and faster funding — and who wouldn’t opt for better, faster, and more affordable?

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