Online Personal Loans — Apply in 5 Minutes, Decide Instantly
PrimeLendings online personal loans range from $100 to $35,000 with fixed monthly payments and instant automated decisions. No collateral, no bank branch visit, no days of waiting. Bad credit considered.
Online personal loans through PrimeLendings range from $100 to $35,000 with 3–60 month repayment terms. The application takes 5 minutes on any device. Decisions are instant and automated. Bad credit is considered — a soft credit inquiry is used, so applying has no impact on your FICO score. Same-day ACH deposit is available for qualifying applications. Loans are unsecured — no collateral required.
Check Your Options
5 minutes · No commitment
Loan Amount
Full Name
ZIP Code
Monthly Income ($)
Apply in 5 Minutes Online
Receive Instant Matching Decision
Compare Personal Loan Offers
E-Sign Your Loan Agreement
ACH Deposit to Your Account
Built differently
for Online Personal Loans
One application. Licensed lenders across all 50 states. Faster, safer, and more transparent than shopping lender-by-lender.
Any Purpose — No Restrictions
Debt consolidation, home improvement, medical bills, car purchase, vacation, education, business start-up — any legal purpose for your personal loan.
Fixed Monthly Payments
Personal loans from PrimeLendings network have fixed APR and fixed monthly payments for the entire term — no payment shock, no variable rate risk.
No Collateral Required
Online personal loans are fully unsecured. No home equity, no car title, no retirement account pledged. Approved based on income alone.
Bad Credit Considered
Network lenders consider all credit profiles. Soft pull at matching stage — zero FICO score impact. Income is the primary approval factor.
Competitive APR for All Credit Tiers
Good credit borrowers qualify for 5.99%–18% APR. Fair credit: 18%–36% APR. Bad credit: 36%–99% APR. All fully disclosed before signing.
100% Online — No Branch Visit
The entire process — application, decision, offer review, e-sign, and ACH deposit — is digital. Never visit a branch.
Online Personal Loan Rates by Credit Score
| Credit Score | Rating | Typical APR Range | Max Loan Amount |
|---|---|---|---|
| 720+ | Excellent | 5.99%–14% | Up to $35,000 |
| 670–719 | Good | 14%–22% | Up to $25,000 |
| 620–669 | Fair | 22%–36% | Up to $15,000 |
| 580–619 | Poor | 36%–60% | Up to $7,500 |
| 300–579 | Bad | 60%–99% | Up to $5,000 |
| No credit history | Thin file | 40%–80% | Up to $3,000 |
APR ranges are estimates based on network lender data. Actual rates depend on your specific income, state, loan amount, and selected lender.
PrimeLendings vs. Your Options
On the factors that matter most to borrowers.
| Feature | PrimeLendings | Bank/CU Personal Loan |
|---|---|---|
| Amount Range | $100–$35,000 | $500–$50,000 |
| Interest Rate | 5.99%–99% APR (fixed) | 6%–36% APR (fixed) |
| Repayment | Fixed 3–60 months | Fixed 12–84 months |
| Credit Required | All types — bad credit OK | Good (670+) typically |
| Collateral | None — unsecured | None |
| Time to Fund | Same day – 1 day | 1–7 business days |
*Next-business-day funding typical; not guaranteed. Timing depends on lender and bank ACH schedule.
Why borrowers trust PrimeLendings
Licensed Network
State-licensed & TILA-compliant lenders only.
Full Transparency
APR, fees, and schedule disclosed before signing.
Soft Pull Only
FICO score unaffected at matching stage.
Zero Obligation
Review offers — accept only what fits you.
Online Personal Loans by State
All 50 States →Frequently Asked Questions
Answered by licensed financial experts.
Ready to get matched with a Online Personal Loans lender?
One 5-minute form. Soft pre-qualification. Licensed lenders in all 50 states. No commitment until you sign.
256-bit SSL · Licensed lenders · TILA-compliant
Marketplace Disclosure: PrimeLendings is a 100% online loan marketplace, not a direct lender. We do not originate, fund, or service loans. We instantly match borrowers with licensed lenders across the US who make all independent credit and funding decisions. Loan approval, rates (5.99%–35.99% APR for personal loans), and terms are determined solely by the matched lender. Submitting a request does not guarantee loan approval. Short-term representative example: $500 borrowed for 14 days at $15/$100 = $575 total (391% APR). Short-term products are high-cost — use for genuine emergencies only. Loan terms, APR, fees, and availability vary by lender and state. A lender may perform a hard credit inquiry before final approval. Terms apply. Full rate & fee schedule.