Find The Best Personal Loan is your ideal partner in finding loans when you need them. Loans of all sizes are available to you quickly and with no hassle.

Where Should You Get Your Loan From?

Finding the right lender to work with may seem like a stressful task, but once you understand what your options are, you should have no problem making the choice that best fits your unique needs. 

Find The Best Personal Loan from

Online lender. An online lender works directly with borrowers to get them approved for the loans they need. A consumer will fill out the lender’s online application, which is typically quick and easy to accomplish. Once approved they will receive funds directly deposited into their bank account. Online lenders are able to approve more borrowers because they don’t need to follow the same strict approval procedures as banks and credit unions. An online lender is a good option for someone who has struggled financially in the past or how is looking to get approved quickly. 

Private lender. A private lender is an individual or company that lends privately as opposed to through a traditional financial institution. Because private lenders do not have the same restrictive requirements, they are able to work with more borrowers. If you have less than great credit or have struggled financially in the past, a private lender could be a great option for you. 

Loan broker. Brokers have relationships with multiple lenders and can help you find the best option and rate. One of the main benefits of working with a broker is that you apply with them and they do all the work for you. This means you’ll save time and get the best options that fit your needs. 

Bank or credit union. Probably the most common choice, a bank or credit union is a good option for those consumers who have good credit. Banks and credit unions typically have stricter approval procedures and require borrowers to meet higher standards. 

A fast personal loan for when you need money now

From emergency loans and car repair loans to wedding loans, vacation loans and loans for life events, we’re here when you need us with fast loans that fit your needs and budget. Make an application on our website, tell us how much you’d like to borrow and over how many months.

How to Choose a Loan. Loans of all sizes are available to you quickly and with no hassle.

What do you need the money for?

Since you’re looking to apply for a loan you likely have a reason, this will determine the type of loan and what lender you should choose. If you’re looking for a personal loan for a general reason (such as a vacation or to make a purchase), you’ll have more options to choose from then someone looking for a debt consolidation loan.

What interest rate are you being offered? 

When comparing the interest rates of multiple lenders, makes sure you consider the APR as well as the monthly rate. This is particularly useful when trying to decide between several lenders that are offering similar options. 

What type of repayment plans are available?

The repayment plan that you choose will not only dictate how often you have to make a loan payment but also how quickly you can pay off your loan. Typically, you’ll choose from monthly, weekly, or bi-weekly payments. If you’re looking to save money and pay off your loan quickly, bi-weekly payments are the best option.

Are there any additional fees?

Some lenders will have a couple of fees added to the cost of your loan. But, it’s important that you make sure you aren’t being charged any illegal fees or that the cost of the fees is not higher than the legal limit. 

financing loan

7 Answers to the Most Frequently Asked Questions About Loans

  1. Can you get a loan with bad credit?

    Yes, with bad credit can still qualify for a loan. Unsecured bad credit loans may be paired with higher interest rates, but consumers can still opt for a secured loan such as a car title loan to gain access to lower rates. 

  2. Will applying for a loan hurt my credit score?

    If the lender performs a hard pull of your credit, yes your credit score will go down a few points. But it will recover over time. The most important thing is to make sure you don’t have too many hard pulls within a short period of time.

  3. Can I pay off my loan early?

    Yes, some lenders will allow you to settle your account early. Just keep in mind that you may be charged a prepayment penalty, which is typically a percentage of your remaining loan balance. Before you sign a loan contract make sure you understand the terms of your loan.

  4. What happens if I miss a payment?

    Missing a loan payment will affect your finances in two ways. A missed payment will be reported to the credit bureaus and negatively impact your credit score. And your lender could potentially charge you a late fee. If you know you won’t be able to make a loan payment on time, make sure you speak with your lender. 

Compare Personal Loan Rates

How It Works

Credit Season is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third party lenders.

You register online from your home computer or mobile device. Because the process occurs in real time, it’s very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them,) the money could be available for your use as soon as the next business day.