Why a Personal Loan with LoanCenter

Fixed, affordable payments

Reasonable interest rates

No pre-payment penalties

LoanCenter is here to provide some financial assistance when you need it most3. With our quick and easy process, we aim to make taking out a loan as stress-free as possible. And don’t worry! You can view your personal loan options with no impact on your credit score2.

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We are proud to provide personal loans in 27 states:

We are proud to provide personal loans in these states:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Indiana
  • Kentucky
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • Ohio
  • Oregon
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Get the cash you need with the terms you want

Our online application is quick, easy, and doesn't impact your credit score

Our online application is quick, easy, and doesn’t impact your credit score1

Choose the rate, term, and payment options that work for you

Choose the rate, term, and payment options that work for you2

You can see funds in your account in as fast as 48 hours

You can see funds in your account in as fast as 48 hours3

Get Pre-Qualified

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FAQ

PERSONAL LOANS

What is a personal loan?

A personal loan is an unsecured loan, which means that it does not require collateral like your vehicle title or other assets to secure the loan.

What can I use a personal loan for?

You can use your personal loan for anything (so long as it’s legal). Some examples of what you can use your personal loan for include, but are not limited to:

  • Credit card consolidation
  • Debt consolidation
  • Home improvements
  • Medical procedures/emergencies
  • Travel or wedding

What is a repayment term?

A repayment term is the amount of time, usually counted in months, you will make monthly payments until the loan is repaid in full. Your repayment term, or loan term, can vary depending on many different factors.

The term you choose can affect how much you pay for your loan. For example, if you choose a longer-term length, you may be able to make smaller monthly payments, but pay more overall due to interest. Choosing a shorter-term length can allow you to pay less overall, but you may have higher monthly payments in the meantime.

What credit score do I need?

There is no one credit score that we require but having a higher credit score can certainly help increase your chances for approval.

If you’re looking to build your credit, you may want to consider a title loan.

Can I get a personal loan with less than perfect credit?

You may still be eligible for a personal loan with less than perfect credit. We take into account multiple factors, including your payment history. You can get pre-qualified with no effect on your credit score to see what you may be eligible for!

How do I apply for a personal loan?

Applying for a personal loan with LoanCenter couldn’t be easier. Our online application is quick, easy, and doesn’t impact your credit score.

Ready to get started? Get pre-qualified to begin!

What are the benefits of personal loans?

There are many benefits to getting a personal loan! One of the benefits is that there is no asset (such as a house) securing the loan, meaning that the application process may be simpler than for a secured loan. Other benefits include the ability to use your personal loan to consolidate debt, potentially allowing you to get a lower interest rate than you have been paying.

Can personal loans help me build credit?

There are many factors that go into your credit score. A personal loan can help you build your credit in more than one way. One thing you’ll need to do is make all of your payments on time. One factor that goes into your credit score is your payment history. If you show that you can pay your loan on time and avoid missing payments, you may be able to improve your credit score

For more questions and answers, head to our Frequently Asked Questions page.

Want to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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1 When you submit your application, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you select a loan offer and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.

2 Loan approval is subject to meeting the lender’s credit criteria, which includes demonstration of your ability to repay the loan. Not all applications will be approved. Loan amounts range from $2,000 to $5,000. Loans amounts for California residents range from $2,500 to $5,000.

3 Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 3PM PST on a business day.

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