Personal Loans — Instant Decision, Low Rates
PrimeLendings matches you with licensed personal loan lenders nationwide. Borrow $1,000–$50,000 at APR 5.99%–35.99%. Apply in 3 minutes with a soft pull only — no impact on your credit score. Bad credit accepted.
Quick Answer
A personal loan from PrimeLendings is an unsecured loan of $1,000–$50,000 repaid in fixed monthly installments over 12–60 months. APR ranges from 5.99% (excellent credit) to 35.99% (poor credit). PrimeLendings uses a soft credit inquiry during matching — no FICO score impact. Same-day funding available. All credit types accepted including scores from 500+.
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Built differently
for Personal Loans
One application. Licensed lenders across all 50 states. Faster, safer, and more transparent than shopping lender-by-lender.
100% Online — No Branch Visit
Apply from any device in 3 minutes. No paperwork, no fax, no in-person visit — from application to funded entirely online.
APR 5.99%–35.99% — All Credit Tiers
Excellent credit earns rates as low as 5.99%. Fair and bad credit borrowers (500+) are matched with lenders who accept their profile.
Soft Pull Only at Matching Stage
PrimeLendings uses only a soft credit inquiry during matching — your FICO score is never affected until you accept an offer and a lender performs a final verification.
Same-Day Funding Available
Apply before noon on a business day and many lenders can deposit funds the same day via ACH. Next-business-day funding is standard for all approved applications.
All 50 States — Licensed Lenders
PrimeLendings works with state-licensed lenders in every US state. Every offer complies with your state's consumer lending laws.
No Collateral Required
All personal loans through PrimeLendings are fully unsecured — your home, car, or savings account are never put at risk.
Representative Example — TILA Disclosure (15 U.S.C. §1638)
Loan amount: $10,000 · Term: 36 months · APR: 18.00%
Estimated monthly payment: $361.34 · Total of 36 payments: $13,008.24
Total interest paid: $3,008.24 · Origination fee: $0–$500 (varies by lender)
Actual APR, monthly payment, and total cost depend on creditworthiness, income, loan term, and lender. APR range: 5.99%–35.99%. Terms 12–60 months. For informational purposes only — not a commitment to lend. Rates quoted are from PrimeLendings' lender network as of 2026. See editorial policy.
What Is a Personal Loan?
A personal loan is an unsecured, fixed-rate loan repaid in equal monthly installments over a set term. Unlike a credit card (revolving, variable rate) or a payday loan (lump sum, very high APR), a personal loan gives you a predictable monthly payment and a clear payoff date. Amounts range from $1,000 to $50,000 through PrimeLendings, with terms from 12 to 60 months.
Personal loans are the most versatile financial product available — use them for debt consolidation, home improvement, medical bills, major purchases, or any expense. Because they build credit when paid on time (reported to all 3 bureaus), a personal loan is also one of the best credit-building tools available.
Personal Loan Types at PrimeLendings
| Loan Type | Amount | Typical APR | Best For |
|---|---|---|---|
| Standard Personal Loan | $1,000–$50,000 | 5.99%–35.99% | Debt consolidation, home improvement, major purchases |
| Bad Credit Personal Loan | $1,000–$10,000 | 29%–35.99% | Borrowers with scores 500–580 |
| Same-Day Personal Loan | $1,000–$50,000 | 5.99%–35.99% | Urgent needs — funded same business day |
| No-Fee Personal Loan | $1,000–$50,000 | 5.99%–35.99% | Keep 100% of loan proceeds — zero origination fee |
PrimeLendings vs. Your Options
On the factors that matter most to borrowers.
| Feature | PrimeLendings | Banks |
|---|---|---|
| Application | 5 Min Online | Days / Weeks |
| Credit Required | All Profiles Considered | Good – Excellent |
| Availability | 24/7 Online | Business Hours |
| Funding Speed | Next Business Day* | 3–10 Business Days |
| Pre-Qual Inquiry | Soft Only | Always Hard Pull |
| Prepayment Penalty | None | Sometimes |
| All 50 States | Yes — licensed lenders | Varies by bank |
*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.
Frequently Asked Questions
Answered by licensed financial experts.
Ready to get matched with a 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.