ExpressPersonalELoans's short and simple online request form is intended to connect consumers with a lender from our extensive network. If you are successfully connected with a lender on our website, the lender will provide you with all relevant documents that contain all rate and fee information regarding the loan being offered to you. It is really important that you thoroughly review all information provided to you by your lender prior to agreeing to the terms. Remember, you are under no obligation at any time to accept these loan terms if you determine they are unsuitable. If successfully accepted, you may receive your funds by next business day upon approval!
We offer a free infomediary service that will attempt to connect you with lenders and financial service providers who may secure a personal loan for you. Once you complete the short and simple online request form on our site, we work to connect you with our network of lenders. You just need to be a U.S. permanent resident, over 18 years of age, have a valid checking account, and have a steady source of monthly income. If we are successful in connecting you with a lender, that lender will reach out directly and provide you with all of the material terms and conditions for the specific loan prior to accepting your personal loan. Remember, it's important to thoroughly review any information provided by lenders and feel free to ask them any questions!
A personal loan is an online loan ranging from $500 to $35,000 that can help you fund a large expense without requiring the use of collateral. Typically, personal loans have a set number of equal payments often due over a longer period of time. ExpressPersonalELoans believes in creating an informed marketplace so that consumers can be educated on the products and services they desire and can make responsible decisions about what products or services are best for them. Our website only works with reputable, contracted lenders in our extensive network and consumers are encouraged to contact us anytime with any questions!
Annual Percentage Rate (APR) is the annualized interest rate that you are charged on a personal loan. Because ExpressPersonalELoans isn't a Lender and does not provide consumers with loans directly, it is very difficult for us to provide you with an exact APR that you might expect to pay on a personal loan. The loan interest rates are determined solely by your lender and they will disclose these to you prior to acceptance of a loan. APR is meant to characterize both the interest rate and the fees associated with a loan for an entire year. Since APR is a well-recognized standard for describing the cost of other types of loans, we want to provide a Sample APR that may help guide your assessment on whether a loan offered to you by a lender is the right fit.
Please visit our Rates and Fees page for additional details and considerations on personal loans.
One of the benefits of a personal loan is that you can expect to receive funds fairly quickly. Since we work with a large network of lenders and we ourselves aren't a lender, it is very difficult for us to provide you with exact information on how long it takes to process a loan request or transfer funds. Typically, the whole process may be completed and you may receive your loan as soon as the next business day after you have been approved by your lender. For more information on expected timing of a loan, we encourage you to contact your lender directly.
When you accept a loan offer from a lender that you were connected with, you are essentially agreeing to pay back the loan and any additional agreed upon amounts in full. Lenders will likely have different policies regarding late payment and non-payment of loans. We encourage you to thoroughly review those policies detailed in the loan documents your lender provides before electronically signing and thereby agreeing to the loan terms and those policies. It is important to note that all lenders must abide by federal and state laws and regulations regarding late payment fees and debt collection. In the event that you are unable to repay your loan, your lender may impose additional fees or charges. All lenders in our network are contractually obligated to abide by applicable federal and state laws regarding collections of past due accounts. We encourage consumers to not accept any loans that they cannot repay.
Although we are not a lender, ExpressPersonalELoans supports all provisions of the Fair Lending Act, which require Lenders to afford to consumer's fair, equitable, and nondiscriminatory access to credit. We support all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. ExpressPersonalELoans uses commercially reasonable efforts to only partner with compliant, reputable lenders in our network. For more details, please visit our Responsible Lending page.