Looking for personal loans in the united states, that they are easy and fast even without guarantee and that you can get it online?
No matter what is the reason why you need a loan, you may want to renew your car for a new one or your house, the truth is that accessing cash when you need it is easy and convenient because the interest rate tends be much lower than that of credit cards.
However, if you have never applied for a loan, you may wonder about its difficulty and do not know how to proceed, so look at these options….
Options to obtain personal loans in the united states
These are some of the options to obtain personal loans in the united states that show you that it is easy and fast:
Citizens Bank:
offers you different products such as traditional savings account, checking account, personal loans and student loans.
Citizens Bank is a retail bank that as an online lender offers you physical locations distributed throughout the country. On its website you can request a personal loan without having to travel to a physical branch. You can qualify for loans between $ 5,000 and $ 50,000 at fixed rates of 5.99%, and you can also choose from 3- to 7-year repayment plans with no prepayment or application fees.
At Citizens Bank you can request a loan for an important purchase, for those occasions that are special in your life, for example to pay for your vacation or if you need to consolidate a debt.
But keep in mind that you require a minimum income of $ 24,000 for your loan to be approved and you also need a solid credit history.
Prosper:
It is a type of P2P (peer-to-peer market loan) platform, the first within this line of loans. It offers you loans to finance health care, to consolidate a debt, but it gives you unsecured loans and does not require that it be granted for a specific purpose.
You can get a loan at Prosper from $ 2,000 to $ 35,000 without collateral, but with a credit history with a minimum score of 640 and a fixed rate that will be based on the evaluation of your credit history.
Freedom Plus Personal Loans:
It offers you the possibility of accessing a loan of between 10,000 and 35,000 dollars with a repayment term of 2 to 5 years and with an interest rate of 4.99%
In addition, depending on the state, it may charge you a rate of between 0 to 5%. On the other hand you can make the request online. The loan assignment is based on the evaluation of your credit score, if you have a co-signer, your income, if your retirement assets reach a minimum of 40,000 you can get a discount on the interest rate, which can reach up to 2 or 4% and even if you use half of the loan to pay an existing debt, you can also get a discount on the interest rate.
Lending Point: It offers you loans from $ 3,500 to $ 25,000 at a rate of between 15.49 and 35.99%. If you qualify for the loan and therefore it is approved, you can get the cash in 24 hours. You only need to complete the application online or communicate by phone any day of the year, since the representatives can attend you 365 of the year.
Payoff: It offers you loans of between 5,000 to 35,000 dollars for the refinancing of credit card debts and you can consolidate the debt in a single payment at a rate of between 8 and 25%, American First: Offers quick approval personal loans for a special purchase, for vacations, education or any emergency as long as you have a solid credit score and a low interest rate if you secure the loan with a shared savings account or a certificate account .
Banks that make personal loans
If you need personal loans in the united states, You can also resort to banks, because you simply have to contact you to request a budget and listen to the proposals of several banks since their business is to put money to work, because they lend money in exchange for a benefit and although perhaps in some you do not find the best rate, you can listen to their proposals and then decide what suits you, for example:
Wells Fargo:
It offers you the possibility of obtaining a loan of between 3,000 and 10,000 dollars without prepayment or origination fees with a rate of between 6 and 8%
You can apply for the loan online and obtain it on the same day if you have a good credit history score and for example if you need to refinance your car they can charge you a rate of 1.99%
US Bancorp:
It offers you lines of credit and personal loans between 3,000 and 25,000 dollars at an interest rate of 8.99%, but this rate can be even lower depending on the purpose of the loan, since for example, if you need the money for a benefit energy of your home the rate will be lower, with an origination fee of about $ 50 and does not require a guarantee or annual fees.
However, keep in mind that the online application for a personal loan in US Bancorp is only available for clients who exceed 120 days, therefore if you are not a client you must go to one of its branches and you will become a holder of an account and as a client then you can request the loan online.
TD Bank:
It offers you loans from $ 2,000 to $ 50,000 at an interest rate of 10% if the loan is unsecured.
PNC Financial Service Group:
It offers you loans from 1000 to 100000 dollars with an interest rate that can be 7.74% depending on the volume of money borrowed, since you must always evaluate that the interest rate of the credit card is higher than the interest rate of the bank loan no matter which bank it is.