How Much Do You Need?

Personal Loans
Made Easy!

Whether you are consolidating debt or planning the future

LOANS UP TO $35,000

Select the loan amount you are looking for and complete the form in as little as 2 minutes.

WE WORK FOR YOU

We partner with 100+ approved lenders. We are here to make personal loans simple and hassle free.

FUNDS BY TOMORROW

We use industry security standard to connect you with a lender very fast and your information is always secured.

Speed & Convenience

We pride ourselves on our speed to connect you with a lender. After submitting your information, you may be redirected to a lender's website to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account. Subject to lender approval.

  • The whole process online
  • See if lender has the loan you need
  • There are several lenders accepting request now
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Requirements to qualify for a Personal Loan

What are some of the requirements to qualify for a Personal Loan?

  • 18 Years of Age
  • Regular Income
  • Bad Credit OK
  • U.S Citizen
  • A Bank Account
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Frequently Asked Questions

What is a personal loan?
Personal loans might be called different things, but they’re all designed to provide you with temporary financial relief.
Who can qualify for a personal loan?
Most lenders require you to:
  1. Be employed in your current position for approximately 90 days;
  2. Be at least 18 years old, and a US citizen or a permanent resident;
  3. Have an income of approximately $1,000 per month after tax withholdings; and
  4. Have a valid email address, work phone number and home phone number.
How much can I borrow?
The amount a lender is willing to give you depends on how the lender evaluates a number of factors, including your state of residence and applicable legal restrictions (loans are not available in all states). Many lenders in our network will loan between $100 and $35,000.
How will I receive the loan money?
Once the lender approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.
Filling the Form is Easy

You can fill out the form to connect with an approved-lender at anytime and from anywhere you are directly from your mobile. We make it easy for you to get your Personal Loan.

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Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. OptimoLoans.com is not a lender or lending partner and does not make loan or credit decisions. OptimoLoans.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. OptimoLoans.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. OptimoLoans.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, OptimoLoans.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where OptimoLoans.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing OptimoLoans.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize OptimoLoans.com to share your information and credit history with a network of approved lenders and lending partners.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. OptimoLoans.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.