Loans | Compare Loans In Any State - CreditRaters.com page
Sort by:
  • Loan Amount
    $1000 - $10000
  • Loan Term
    60 Months
  • APR Range
    34% - 155%
Net Credit
  • Personal Loans $1,000 - $10,000
  • Line of Credit up to $3,500
  • 14 States Covered
  • Loan Amount
    $1000 - $5000
  • Loan Term
    48 Months
  • APR Range
    29% – 299%
Loan Now
  • Lightning fast online applications
  • Funds typically deposited within 24 hours of acceptance
  • Repay the balance over multiple months to reduce each repayment
  • Loan Amount
    $100 - $1000
  • Loan Term
    30 Months
  • APR Range
    26.88% - 1303.57%
Amount $200, Finance Charge $35.20, APR: 229.43%, Repayment $235.20 on 30 days Lend Up
  • Loans available within 1 business day of acceptance
  • Multiple repayment options including debit card, MoneyGram and check
  • Clear your outstanding balance early without early repayment charges
  • Loan Amount
    $300 - $750
  • Loan Term
    6 Months
  • APR Range
    190%
Loan Amount $400, 120 days. Total of payments $569.88, APR 190%. Fig Loans
  • 9.7 TrustPilot Score
  • Instalment loans and credit lines
  • Fast acceptance rate
  • Loan Amount
    $100 - $1500
  • Loan Term
    12 Months
  • APR Range
    390%
Check Into Cash
  • Providing short term loans for more than 25 years
  • Excellent selection of short term loans
  • Outstanding customer service
  • Loan Amount
    $100 - $1000
  • Loan Term
    6 Months
  • APR Range
    618%
A $500 loan over a period of 182 days with 13 bi-weekly payments (every 14 days) would have a payment of $89.24 with an APR of 387.92%. Check City
  • Online and in store loans available
  • Payday loans from 1 – 40 days
  • Loans paid within 24 hours of acceptance
  • Loan Amount
    $1 - $2400
  • Loan Term
    35 Months
  • APR Range
    90% - 805%
Cash Net USA
  • Multiple products to choose from
  • Quick and easy online application
  • Instant decision and same day cash transfer available
  • Loan Amount
    $100 - $500
  • Loan Term
    24 Months
  • APR Range
    150% - 450%
24-month installment loan of $2,501 would require 24 monthly installments of $400.39 per month, which totals $9,609.36 when all is said and done. Cash Central
  • Competitively priced against similar short term loans
  • Confidential online service
  • Get a decision in seconds and funds in minutes (if accepted by 7.45pm EST Mon - Thur)
  • Loan Amount
    $100 - $2500
  • Loan Term
    9 Months
  • APR Range
    471% - 841%
Blue Trust Loans
  • A higher maximum borrowing limit of up to $2,500
  • Longer repayment periods of up to 10 months
  • Reduced fees of up to $16.00 per $100 borrowed
  • Loan Amount
    $200 - $1500
  • Loan Term
    18 Months
  • APR Range
    35% - 600%
Repay $1,000 over 13 bi-weekly payments at an APR of 344.85%, this would be made up of 12 payments of $175.95 and a final one off repayment of $175.08 upon completion. Big Picture Loans
  • Tribal status means they're able to offer their own lending terms without state restrictions
  • 91% of accepted applications paid within 24 hours
  • Customer service team available 24/7
  • Loan Amount
    $500 - $5000
  • Loan Term
    36 Months
  • APR Range
    187% - 412%
Borrow $2,000 for 12 months with a 19.9% representative APR and a monthly repayment of $183.63. Total repayment will be $2,203.56 Bad Credit Loans
  • Able to assist borrowers from all credit backgrounds
  • Loans are unsecured meaning none of your assets are at risk
  • Accepted loans typically deposited within 24 hours
  • Loan Amount
    $50 - $4000
  • Loan Term
    18 Months
  • APR Range
    400% - 521%
AmeriCash
  • Excellent customer service track record
  • Lightning fast online application
  • High acceptance rates
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    143% - 688%
Advance America
  • Lightning quick deposits
  • High acceptance rates
  • Broad range of lending products
  • Loan Amount
    $100 - $1500
  • Loan Term
    30 Months
  • APR Range
    214.62% - 611%
Ace Cash Express
  • More than 50 years of experience providing short term loans
  • Wide range of lending products available
  • Excellent customer service record
  • Loan Amount
    $2600 - $100000
  • Loan Term
    180 Months
  • APR Range
    13.33%
The Loan Exchange
  • Complete an application for free! Applying does not impact your credit score!
  • Select the offer that works best for you and save your offers for up to 30 days!
  • Your funds will be deposited right into your account in as little as one business day!
  • Loan Amount
    $500 - $5000
  • Loan Term
    18 Months
  • APR Range
    59% - 160%
Loan Amount $2000, 9 monthly payments of $395,58. Total of payments $3,560.22, APR 160%. OppLoans
  • Get approved today with an easy online loan application!
  • Once approved, receive money in your account as soon as the next business day!
  • Payday loans average an APR of 400%. Compare to maximum 199% APR offered through OppLoans!
  • Loan Amount
    $400 - $50000
  • Loan Term
    24 Months
  • APR Range
    521.43% - 1173.21%
Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. Honest Loans
  • Submit to borrow up to $50,000!
  • Works with wide range of lenders!
  • Friendly and fast loan broker!
  • Loan Amount
    $100 - $5000
  • Loan Term
    6 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Credit Clock
  • Same day credit available!
  • Lends to most states in America!
  • Repay your loan early anytime!
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Money Lender Squad
  • New 2019 American loan broker!
  • Access over 30 lenders in 1 application!
  • Low APR rates and cheap monthly installments!
  • Loan Amount
    $100 - $5000
  • Loan Term
    12 Months
  • APR Range
    18.23%
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Viva PaydayLoans
  • No previous credit history required!
  • Same day funding as quick as 10 minutes!
  • All employment types considered, even military!

Whether you’re looking to book a family vacation, carry out some essential home improvements or simply wish to consolidate your existing debts, Credit Raters can help. We’ll help you to compare the latest offers from the country’s leading lenders across a huge range of products, including:

Choose how you want to do business by selecting a lender that can offer loans by phone, online or in store.

As a time saving tip, remember to check that your chosen lender supports your preferred loan types in your state before beginning the application process.

What Are Personal Loans?

If you’re new to loans then let’s start with the basics. Personal loans is a wide-ranging term that covers the more traditional loan types in the USA. You’ll receive a fixed lump from your lender and will need to pay this back over the length of time that you’ve selected. As well as paying back the amount you’ve borrowed, you’ll also need to repay a small amount of added interest.

No matter what loan types you decide to apply for, you’ll need to fulfill some basic eligibility criteria to be considered. At the very least, you’ll need to be:

Some lenders may also need your social security number and/or photographic identification to verify your details before transferring your loan.

Let’s take a closer look at some of the most common personal loan types that we offer here at Credit Raters.

How Do Payday Loans Work?

As one of America’s most popular loan types, payday loans have fast become an essential resource when it comes to tackling unforeseen financial emergencies. From a broken down car to a forgotten wedding anniversary, payday loans can be used as emergency loans for any purpose.

They’re very quick and easy to apply for, and you’ll simply need to repay the amount you’ve borrowed on your upcoming payday/s. If approved, funds can typically be transferred to your account inside 24 hours with some lenders even able to make same day transfers.

How Are Instalment Loans Different From Payday Loans?

If need to borrow more than what you can reasonably afford to repay on your next payday then it’s well worth considering an instalment loan. Whilst payday loans and instalments loans are both considered short term borrowing solutions, instalment loans will allow you to repay your outstanding balance over a fixed period of a few months.

Here’s a closer look at how the different personal loans from Credit Raters compare with each other.

Loan Types Short Term Lender? Typical Repayment Schedule Cash Advance Available?
Instalment Loans Yes 3-6 months Yes
Payday Loans Yes Next pay day Yes
Auto Loans No 3-18 months No
Peer To Peer Lending Yes 1 – 12 months Yes

How Do Auto Loans Work?

Buying a vehicle is one of the most costly purchases you can make. The fact is that so many people rely on their cars for getting to work, running the kids around and for general transport can make things very difficult when they suddenly aren’t available.

Whether this is your first time buying a car or you’re replacing your existing one, auto loans can help to significantly reduce the financial impact of a large outlay.

With auto loans, you’ll be able to select the amount of cash needed to purchase your next vehicle, allowing you to effectively spread the costs of the car over a convenient loan term. You’ll own the car outright from the start and will have full use of it even whilst you’re repaying back your loan.

What Is Peer To Peer Lending?

With the internet now connecting billions of people around the world, the growth of peer to peer lending was an inevitability. Rather than borrowing money through the more traditional methods of banks and direct lenders, peer to peer lending allows you to borrow from a pool of funds built up by investors.

These investors receive a better return than having their cash sat in a bank account whilst borrowers benefit from highly competitive rates of interest and lightning fast access to cash. It’s win-win for everyone involved.

Your repayments are still reported to credit agencies in the same way as any other personal loan, so punctual repayments will give your credit score a healthy boost.

What Loans Are Available For Bad Credit?

At Credit Raters, we believe that everyone should be able to access credit during life’s little emergencies. We work with a range of lenders who specialise in offering loans suitable for those with a less than perfect credit score.

Just because you’ve had issues with credit in the past won’t automatically exclude you from successfully applying for a traditional personal loan. However, you may find that you’ll need to pay higher rates of interest or will temporarily have access to a lower credit limit whilst you improve your credit score and show your lender that you’re able to make regular, timely repayments.

Guarantor Loans

Guarantor loans are one of the fastest growing loan types for bad credit applicants. Rather than applying for personal loans using solely your own credit history, you’ll be able to nominate someone you know to ‘guarantor’ your loan, meaning that the buck will ultimately stop with them if you’re ever unable to meet your repayments.

They’ll need to have a strong credit history themselves, although by making the repayments on time and in full you’ll actually improve your own credit score. Also, it should go without saying that you’ll need their permission before putting them on your application and the lender will want to confirm this with them before final terms are offered.

How Are My Repayments Calculated?

Whenever you apply for a loan, your lender will take a number of key factors into account to help them decide the interest rate for your loan, including:

Of course, every lender uses its own set of criteria to determine whether to accept you and what your final monthly repayments will be. Other factors such as your residential status, collateral and the purpose of your loan are also considered by some lenders.

By taking into account this information they’ll be able to build up a good idea of your creditworthiness, financial management and ability to repay your personal loans. This risk is reflected in your interest rate and credit limit with low risk customers receiving more competitive interest rates than those with a poorer credit background.

How Can I Find Loans Near Me?

The most common way to apply for personal loans in today’s day and age is online, however, it’s completely understandable that some borrowers will occasionally want to carry out this process face to face.

Of course, it makes more sense to apply for emergency loans online where they can be processed and issued almost immediately. However, some personal loans may require physical documentation before they can be approved or customers may wish to discuss their options with an adviser, such as if applying for bank loans.

The reality is that loans by phone or loans online can be accessed no matter where you are via your smartphone, tablet or computer, and you’re likely to get a far bigger spread option rather than approaching a bank or store-based direct lender.

How Do Apply For Loans Online?

Back in the ‘old days’ before the world wide web, finding the most competitive personal loan for your circumstances was a real headache.

It meant either taking a chance with the first lender you came across, making an appointment with the bank which could take weeks, or spending days applying to each lender until one came back with a suitable rate.

At Credit Raters, we take the stress out of comparing personal loans by doing all of the legwork on your behalf. It all starts by working out exactly how much you need to borrow and a repayment period that suits your budget.

The longer you choose to repay your loans, the lower your monthly payments will be. However, it’s worth remembering that you’ll usually pay more interest over the course of a longer term loan, so keep an eye on the total amount you’ll need to repay as well as the monthly costs.

It’s then over to us for some internet wizardry as we’ll use the loan requirements you’ve listed along with some further information on your circumstances to bring together a detailed comparison of your most suitable loan options.

Compare interest rates, repayments, loan terms and any fees all in one place and choose the lender that you feel best suits your needs. For a typical applicant, it usually takes less than five minutes to complete your application with a direct lender at which point you’ll receive an instant online decision. It really is that simple.