How it Works

Requesting a personal loan is easy with PersonalLoanPlus.com. Fill out one easy form on PersonalLoanPlus.com and your inquiry will be submitted to our large network of lenders. Loan amounts range from $100 to $35,000 (exact amounts vary based on lender programs and your state of residence). You can have a response from one of our lenders the same day, and often within minutes. Once your loan is approved, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next day.

Most lenders have the following requirements to be approved:

To be accepted by most lenders in our network, you should:

  • Be employed at your present job for at least 90 days.
  • Be a US citizen or a permanent resident, and over the age of 18.
  • Have an income of around $1,000 per month after tax deductions.
  • Have a checking account in your name.
  • Provide a working telephone number for your home and work.
  • Provide a valid email address.

Quick Inquiry Process

Through our secure technology, we will find a lender in our network that is willing to take work with you based on the information you submit. Once we have a lender ready to work with you, that lender will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).

Cash Sent Directly to You

After your lender has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.

Private and Secure

We use industry-recognized security and advanced encryption technology to protect your personal information.

Automated Repayment

If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.

Late Payments

Late payment policies can differ among lenders. Please make sure you read and understand the loan agreement and your lender’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately.

NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of personal loans and recognize that nobody knows your situation better than you.

Loan Extensions

State law may limit or prohibit a lender’s ability to extend or "roll over" your loan. Consult with your lender if you need a loan extension.

Loan Default

If you can’t make your loan payments on time, you may be in default of your loan obligations. If that happens, your lender may try and secure repayment from you using debt collection methods that are professional, fair and in compliance with the law. Lenders should always follow the Fair Debt Collection Practices Act guidelines when attempting to collect loans in default. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.

Copyright 2017 © All Rights Reserved

Personal Loans Plus - United States

Contact Us

Sitemap

Consumer Notice: Personal loans are not a long term financial solution. Borrowers facing debt and credit difficulties should seek professional financial advice. Borrowers are encouraged to review local laws and regulations governing personal loans.

Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time without notice. All actions taken on this site, or legal concerns addressing this site, are deemed to have taken place in Nevada, regardless of the location from where you access this site.

Disclaimer: This website does not constitute an offer or solicitation to lend. The operator of this website is not a lender and does not make credit decisions. Rather, we provide a marketplace service where we connect you with lenders in our network. We cannot and do not control the actions or omissions of lenders in our network. We are not an agent, representative or loan broker to any lender and we do not endorse any particular lender. Our marketplace service is always free to you. If you are ever asked to pay a deposit or advanced payment in order to get a loan, you should not proceed.

You are under no obligation to use our marketplace service to initial contact with or apply for a loan with any lender.

Subject to our Privacy Policy (which you should carefully read and understand), we will transfer your information to lenders in our program and to other service providers and marketing companies we do business with. We do not guarantee that you will be connected with a lender or obtain favorable rates or be approved for a loan by completing a form on our site.

Participating lenders may verify your social security number, driver’s license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information.

Not all lenders can provide you with a loan. If you are approved, you will receive funds according to the lender’s funding practices which vary from lender to lender. Repayment terms also vary from lender to lender and may be affected by state law. If you have questions about the loan terms offered to you, or about a loan that has funded, please contact the lender directly. We are not a lender and cannot give you loan-specific information.

You will not be charged a fee for using our service. Loan-related fees are controlled by the lender and will be disclosed to you before you accept the loan. If you do not want to incur loan-related fees or you are unable to repay your loan, do not accept the loan.