Your Premier Lending Review 2025
Your Premier Lending helps you request a personal loan by connecting you with lenders that match your needs.
We invested 37 hours researching and analyzing Your Premier Lending’s offerings, comparing them to top alternatives in the market.
Overall, we score Your Premier Lending 4 out of 5. If you choose Your Premier Lending, you’ll benefit from a streamlined application process and competitive rates for borrowers with good credit.
Pros & Cons of Your Premier Lending
Quick funding, with loans typically disbursed within one business day after approval
Wide range of loan amounts ($100 – $20,000) to suit various financial needs
Flexible loan terms from 2 to 72 months, allowing borrowers to choose a comfortable repayment schedule
Competitive APRs starting at 5.99% for borrowers with good credit
No prepayment penalties, giving borrowers the freedom to pay off loans early without extra costs
User-friendly online application process, making it easy to apply from anywhere
Pros
High maximum APR of 35.99%, which could be costly for borrowers with lower credit scores
No weekend payouts, which may inconvenience some borrowers
Specific credit score requirements not disclosed upfront, potentially leading to uncertainty for some applicants
Cons
Who is Your Premier Lending for?
Your Premier Lending caters to a diverse range of borrowers, but it’s particularly well-suited for certain groups.
Requirements you must fulfill:
- Be at least 18 years old
- Have a regular source of income
- Possess a valid U.S. citizenship and Social Security number
- Hold a valid U.S. driver’s license or state ID
- Maintain an open bank account for direct deposit
It’s for you if…
Your Premier Lending is an excellent choice for borrowers with good to excellent credit who are looking for competitive rates and quick funding.
It’s especially suitable for those who need flexibility in loan amounts and repayment terms.
It’s NOT for you if…
The high maximum APR could make loans costly for those with lower credit scores.
Additionally, if you need a loan amount exceeding $20,000 or require funding on weekends, you might want to explore other personal loans options.
How to apply with Your Premier Lending
Click on the “Apply Now” button
Tip: Before clicking, ensure you have a stable internet connection to prevent interruptions during the application process.
Consider using a desktop or laptop computer rather than a mobile device for easier document uploading.
Fill out the online application form
Be prepared to provide:
- Full legal name, date of birth, and Social Security number
- Current address and length of residency
- Employment details, including employer name, job title, and duration
- Annual income and additional sources of income
- Monthly rent or mortgage payment
Pro tip: Have your most recent pay stub handy for accurate income reporting.
Apply for a loan on the website of Your Premier Lending
Submit the required documentation
- Proof of income: Last two pay stubs or tax returns for self-employed applicants
- Bank statements: Last 60 days of transactions from your primary checking account
- Identification: Clear copy of your driver’s license or state-issued ID
Scan or photograph these documents in advance to streamline the upload process.
Wait for the loan decision
While waiting, avoid refreshing the page or starting a new application.
If the decision takes longer than expected, check your email for any requests for additional information.
Review the loan terms and conditions
If approved, pay close attention to:
- Annual Percentage Rate (APR)
- Loan term length
- Monthly payment amount
- Origination fees or prepayment penalties
Receive funds
Ensure the bank account details you provided are correct to avoid delays.
Set up account alerts to notify you when the funds are deposited.
Additional tips
- Check your credit score before applying to understand your approval odds and potential interest rates.
- Gather all necessary documents before starting the application to ensure a smooth process.
- Apply during business hours for quicker response to any questions or issues that may arise.
- If you’re not immediately approved, ask about conditional approval options or steps you can take to improve your application.
By following these detailed steps and tips, you’ll be well-prepared to navigate the loan application process with Your Premier Lending efficiently and effectively.
How Financer Rates Your Premier Lending
We’ve thoroughly evaluated Your Premier Lending based on three key criteria: Ease of use, Costs, and Customer support.
| Category | Rating |
|---|---|
| Overall Financer Score | 4/5 |
| Ease of use | 4/5 |
| Costs | 5/5 |
| Customer service | 3/5 |
Ease of use
Your Premier Lending excels in providing a user-friendly experience. The online application process is straightforward and can be completed in minutes. Their website is well-designed and responsive, offering a seamless experience on both desktop and mobile devices.
One missing element is the opportunity to have a general indication of the APR you can receive, before you apply.
Costs
Your Premier Lending is not a lender, its service is free of charge. They receive compensation, in the form of referral fees, from lenders, aggregators, or other offers that they direct you to.
Before finalizing any loan request, you should carefully review the offer from the actual lender.
Customer service
The service doesn’t offer a channel for sending questions, but they provide an extensive list of FAQs.
It’s important to note that Your Premier Lending acts only as a middleman between customers and loan providers. If you have questions about a specific loan offer, it’s important to contact the lender directly.
Alternatives to Your Premier Lending
While Your Premier Lending offers solid loan options, it’s always wise to compare alternatives before making a decision.
Here are four options we analyzed:
| Company | Interest | Loan amount | Loan Term | |
|---|---|---|---|---|
recommended
| 5.99% – 35.99% | $500 – $35,000 | 2 Months – 6 Years | Explore more |
recommended
| 9.99% – 35.99% | $1,000 – $50,000 | 2 Years – 7 Years | Explore more |
| 7.80% – 35.99% | $1,000 – $50,000 | 3 Years – 5 Years | Explore more |
recommended
| 5.99% – 35.99% | $500 – $35,000 | 2 Months – 6 Years | Explore more |
| Company |
|---|
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recommended
|
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recommended
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|
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recommended
|
| Get Started |
|---|
| Explore more |
| Explore more |
| Explore more |
| Explore more |
| Company | Overall Rating | Interest | Loan amount | Loan Term | Get Started |
|---|---|---|---|---|---|
|
recommended
| 5.99% – 35.99% | $500 – $35,000 | 2 Months – 6 Years | Explore more | |
|
recommended
| 9.99% – 35.99% | $1,000 – $50,000 | 2 Years – 7 Years | Explore more | |
|
| 7.80% – 35.99% | $1,000 – $50,000 | 3 Years – 5 Years | Explore more | |
|
recommended
| 5.99% – 35.99% | $500 – $35,000 | 2 Months – 6 Years | Explore more |
For a full comparison of all the lenders and loan brokers we reviewed, you can use our free tool, LoanFinder™️.
Is Your Premier Lending Right for You?
Your Premier Lending stands out for its quick funding and flexible loan options. If you have a good credit score and need fast access to funds, they could be an excellent choice. Their competitive rates for qualified borrowers and the absence of prepayment penalties make them attractive for those looking to save on interest.
However, if you have a lower credit score, the potentially high APR could be a drawback. In this case, you might want to improve your credit before applying or consider alternatives like Upstart that use non-traditional criteria for evaluation.
Ultimately, the decision depends on your specific financial situation and needs. We recommend comparing Your Premier Lending’s offers with other lenders to ensure you’re getting the best deal. You can easily compare personal loan options using our LoanFinder tool to find the best fit for your financial needs.
Did You Use Your Premier Lending?
Share your own experience if you’ve used Your Premier Lending. Your feedback helps other borrowers make informed decisions and contributes to our comprehensive review process.
FAQs About Your Premier Lending
Is Your Premier Lending legit?
Yes, Your Premier Lending is a legitimate online loan broker. They operate in compliance with relevant financial regulations.
How long does it take to get approved for a loan with Your Premier Lending?
The approval process is typically quick, with most applicants receiving a decision within minutes of submitting their application. However, in some cases, additional verification may be required, which could extend the process.
Can I pay off my Your Premier Lending loan early?
Your Premier Lending is not a lender. Depending on the loan offer you accept, early repayment may be possible.
Before finalizing any loan request, make sure to check the loan terms and conditions.
What credit score do I need to qualify for a Your Premier Lending loan?
While Your Premier Lending doesn’t disclose a specific minimum credit score, borrowers with good to excellent credit (typically 670 and above) are more likely to qualify for the best rates. However, they do consider other factors beyond credit score when evaluating applications.
How does Your Premier Lending compare to traditional banks?
Your Premier Lending often offers a faster and more convenient application process compared to traditional banks. They also may have more flexible credit score requirements for personal loans. However, if you have an existing relationship with a bank, you might receive more personalized service or better rates there.
