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Upgrade Personal Loans

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Approvel Odds

Excellent Credit

Good Credit

Fair Credit

  • Loan Amounts: $1,000-$50,000
  • Annual Percentage Rates (APRs): 8.49% – 35.97%.
  • Fixed rates and payments with a clear pay off date.
  • Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
  • Fast Funding. Money is sent to your bank account within a day of clearing any verifications.*
  • Automatic payments and ability to customize the due date: manage your account online or via the mobile app
  • No prepayment penalties.
  • Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit.
Disclosures: Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.97%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/ Fast Funding Disclosure: *Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor. State Exclusions: Loans are not currently available to residents of DC.

Universal Credit Personal Loans

Apply Now!

Approvel Odds

Excellent Credit

Good Credit

Fair Credit

  • Loan Amounts: $1,000-$50,000
  • Annual Percentage Rates (APRs): 11.69%-35.93%
  • Fixed rates and payments with a clear pay off date.
  • Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
  • Fast Funding. Money is sent to your bank account within a day of clearing any verifications. *
  • Automatic payments and ability to customize the due date: manage your account online or via the mobile app
  • No prepayment penalties.
  • Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of
    your credit.
    • Disclosures:
    Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.93%. All personal loans have a 5.25% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit’s bank partners. Information on Universal Credit’s bank partners can be found at https://www.universal-credit.com/bank-partners/
    Fast Funding Disclosure:
    *Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.
    State Exclusions:
    Loans are not currently available to residents of DC.

    Bad Credit Loans

    Apply Now!

    Approvel Odds

    Bad Credit

    • Do you have bad credit? We’re here to Help! Helping people with bad credit since 1998
    Every day, we help people like you secure loans regardless of your credit rating. We’re here to help you find solutions to your financial needs.
  • Free To Try.  There is no cost to request a loan on our site.
  • Responsible Lending.  We are committed to educating our customers.
  • Prvacy and Security.  We protect your information with advanced encryption technology
  • See all terms and conditions.
    • We know that it’s the people who are struggling that really need the personal loans, not those with the spotless credit histories who are paying all their bills on time. A perfect spending history simply isn’t possible for many American households, especially in times like these. No matter how well you’ve planned your budget and spending strategies, they can still be thrown off by one unexpected car repair or other emergency when already living paycheck to paycheck.
    Simple Qualifications
    Submitting a request for bad credit loans is very straightforward. We require that you’re a legal citizen and an adult (age 18 or older). You’ll need to provide some other basic information for the transaction to take place, such as a valid email address, working phone number, and the bank account where you’d like the money transferred. Please note that meeting these requirements does not mean that you will be connected with a lender.
    Combining a fast online form and loan process with an equally fast delivery system makes requesting a bad credit loan uncomplicated.
    Bad Credit Loans isn’t a lender and doesn’t provide unsecured loans, but it refers consumers to lenders and financial service providers who may provide such loans. A personal loan from a lender or financial service provider in our network often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request. Your lender will provide you with the APR, loan fees and other terms when you are redirected to your loan agreement during the loan request process.

    Cash USA Loans

    Apply Now!

    Approvel Odds

    Excellent Credit

    Good Credit

    Fair Credit

    Bad Credit

    Secure A Personal Loan – Get the support you need
     
    Whether you need to consolidate debt, remodel your home, or take a vacation, a personal loan may be a viable option. CashUSA.com can help you secure a loan of up to $10,000 in just four easy steps:
    The Application Process:
    • Our online form only takes minutes to complete
    • If connected to a lender, review the offer presented
    • If you accept the offer, you may need to provide additional information to the lender
    • If finalized, receive funds in your account as soon as the next business day
    • Industry standard encryption & security measures to protect your personal information
    After you submit your loan request, we search our network for lenders for an available loan option. Eligibility Requirements: The requirements that a prospective borrower must meet to be able to request a personal loan are simple and few in number. They include the following:
    • Be at least 18 years old
    • Be a U.S. citizen or permanent resident
    • Earn a steady monthly income of at least $1,000 after taxes
    • Have a checking account in your name
    • Be able to provide work and home phone numbers, as well as a valid email address
    • Please note that meeting these requirements does not mean that you will be connected with a lender
    FAQ We do not charge any fee or cost to submit a loan request on CashUSA.com. The APR on a personal loan from our network of lenders varies, with many lenders offering rates of 5.99% to 35.99% and loan durations between 90 days to 72 months, although the terms of your specific loan may differ depending on your qualification. Representative Example: If you borrow $1500 over a term of 2 years with a representative APR of 7.9%, you will have 24 monthly payments of $67.77, for a total amount payable of $1626.54 If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. CashUSA.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you

    Find the Right Personal Loan for Your Goals 

    Our marketplace lets you compare personal loans side-by-side, from lenders like Upgrade and Universal Credit, with clear ranges for amounts, APRs, and terms.

    Start in the Credit Vana app with a free credit score check to see estimated rates, then use our credit insights and personal loan calculator to pick the option that fits your budget.

    Why shop personal loans with CreditVana

    • Transparent comparisons: View loan amounts (typically $1,000–$50,000), fixed APR ranges, fees, and payoff dates in one place—no guesswork.

    • Smarter pricing: Checking your rate usually uses a soft inquiry where available, so you can check my credit score for free and preview offers without impact.

    • Built-in guidance: Turn on creditvana credit monitoring for credit score monitoring and real-time credit monitoring so new inquiries and accounts don’t surprise you during the process.

    • Multiple use cases: Consolidate high-interest cards with debt consolidation loans, cover repairs or medical costs with emergency loans online, or explore student loan refinance alternatives if that’s the better path.

    • Improve eligibility: If you’re rebuilding, our credit builder app helps you build credit with debit and improve credit score fast, which can unlock lower rates later.

    Featured examples (typical ranges)

    • Upgrade Personal Loans: $1,000–$50,000; fixed APRs ~8.49%–35.97%; predictable monthly payments and a clear payoff date.

    • Universal Credit Personal Loans: $1,000–$50,000; fixed APRs ~11.69%–35.93%; flexible options for fair-to-good credit profiles.

    • Bad-Credit Friendly Options: We also list lenders focused on accessibility so you can compare responsibly if your score is still recovering.

    Calculate, compare, and save

    Run scenarios with our personal loan calculator and debt payoff calculator—see total interest, payoff timelines, and how extra payments accelerate savings.

    When you’re ready, apply directly with the lender you choose. We also collaborate with select partners—including our card marketplace partner, CreditCardBroker.com—to broaden choices while keeping your experience inside CreditVana.

    Use the Personal Loan Calculator

    Best Rewards Cards

    1 International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

    2 Vana Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Vana Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Vana Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Vana Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Vana does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

    3 Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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