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Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Loans from $1,000 - $35,000
  • Repayment terms from 6 - 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%

Review of PersonalLoans.com


  • Personal loans from $1,000 to $35,000

  • Bad credit accepted

  • Get funding fast, directly to your account

  • Competitive APRs from 5.99%

  • Fast online loan application process

  • Loan repayment terms up to 72 months

What is PersonalLoans.com?

PersonalLoans.com provides personal loans of up to $35,000. The company has a large network of lenders and offers loans to borrowers with bad credit.

The repayment periods for PersonalLoans.com loans typically vary between six months and 72 months, based on the terms offered by each lender.

Lenders do their own due diligence to determine eligibility and loan rates. Borrowers can find the terms and requirements by visiting PersonalLoans.com or reading our detailed review below.

Note: PersonalLoans.com is not a lender! PersonalLoans.com is a service that allows you to access a network of hundreds of lenders with one easy online loan request.

Chosen 27,537 times
  • Loans from $1,000 – $35,000
  • Repayment terms from 6 – 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%

Products Offered

PersonalLoans.com offers loans that range from R1,000 to $35,000. These loan types are generally available from lenders:

  • Peer-to-peer loans
  • Personal installment loans
  • Bank personal loans

The application process is very fast and loan offers are available within minutes. PersonalLoans.com works with a large network of lenders to provide a range of personalized loan offers for every borrower.

Borrowers with bad credit are welcome to apply.

How PersonalLoans.com Works

Getting loan offers from PersonalLoans.com is easy and straightforward. It takes only a few minutes to receive personalized loan offers online.

The company uses proprietary technology to evaluate loan requests while also searching for potential lenders. Applicants can benefit from a simple three-step loan request to find out if they qualify.

Once a loan offer is located, PersonalLoans.com redirects applicants to the lender’s page, which contains the specific details of the loan.

Loan Requirements

Loan requirements vary between lenders, however, PersonalLoans.com matches you with suitable loan offers based on your unique needs.

It’s important to review loan offers and their terms, to ensure that you have the best possible chance of being approved. Loan requirements vary between lenders, but these are the typical qualifying criteria:

  • Be at least 18 years or older
  • Be a US citizen
  • Have a credit score of at least 600
  • Have a steady income

Rates & Fees

APRs range from 5.99% to 35.99%. There is no cost to submitting a loan request with PersonalLoans.com.

The actual loan rate depends on the loan amount requested, as well as the borrower’s credit score, usage, and history. Keep in mind that some lenders may charge an origination fee as well as a late fee for overdue payments.

Representative example: A personal loan of $8,500 over a 24-month period with an APR of 6.99% will have monthly payments of $380.53 for a total loan amount of $9,132.68.

Payment Terms

PersonalLoans.com offers repayment terms from three months up to 72 months and loans can typically be repaid once a month, or twice a month.

Specific loan terms will depend on the lender as well as the borrower’s credit profile and payment history.

Depending on your choices or the terms set out by the lender, personal loans are typically repaid either monthly or every two weeks.

You might be able to arrange for money to be automatically taken out of your bank account on the day that you and your lender have agreed to.

Make sure you read and understand all loan repayment policies to know what you must do as a borrower in order to pay back the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal.

How to Apply for a Loan at PersonalLoans.com

Step 1

Visit PersonalLoans.com and click on Get Started.

Step 2

Fill in the form

Complete a simple loan request form including the amount you want to borrow, the reason, and your credit type. You will be required to provide some personal, income, and banking information. 

Step 3

Receive loan offers

Within minutes you’ll receive suitable loan offers from various lenders, along with an invitation to complete a loan application on their website if you choose to take up an offer.

Our PersonalLoans.com Review


  • Not a direct lender

PersonalLoans.com works to connect applicants with suitable lenders that offer loan products that meet the needs of applicants, and not directly as a lender.

With a wide network of lenders, PersonalLoans.com is able to provide personalized loan offers to each borrower within minutes.

The loan application process is fast and the website offers transparency about loan rates, terms, and requirements.

Customer Service

PersonalLoans.com offers customer service via telephone and email from Mondays to Fridays, 6 am to 7 pm PST.

They also have FAQs available, as well as clear terms and requirements.

Their website is straightforward and easy to navigate, with contact information and service terms clearly available.

Add your own PersonalLoans.com review below.

PersonalLoans.com FAQs

How much can I borrow?

PersonalLoans.com works with a network of lenders that offer loans up to $35,000. Loan amouns may vary from one lender to the next and will depend on each borrower’s credit profile.

What are the loan rates?

This varies between lenders but APRs are typically between 5.99% and 35.99%.

What happens if I miss a payment?

If you think you won’t be able to pay your loan on time, you should get in touch with your lender as soon as possible to find out what your options are. You may qualify for a new payment arrangement but be aware that some lenders may charge late fees for missed payments.

Is PersonalLoans.com a direct lender?

No. PersonalLoans.com works with a network of lenders and connects you with suitable loan offers from specific lenders. 

Is PersonalLoans.com legit?

Yes. PersonalLoans.com is a reputable online lending platform that connects borrowers with a network of lenders for personalized loan offers. 

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Reviews of PersonalLoans.com

PersonalLoans.com is rated 59 out of 300 companies in total rating and got an average review score of 4.7 based on 15 reviews. Their weakness is Website & Functionality and their strength is Flexibility & Terms.
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Alexis Húaicxin Húa reviews | September 27, 2022
General Review
I almost lost about $225k of my inheritance funds to a self acclaimed broker I met through Telegram and promised me a 35% return on every of my investment including bonuses. I quickly invested because I was seeking financial freedom not knowing I was only trying to enrich someone else. I was denied withdrawals after I already invested demanding for more fees before I could take out my profit and my capital then I knew I’ve been cheated immediately I came online to find an expert who deals with fund retrieval then I found Hackwest{at}writeme[.]cOm who was able to get back my funds completely without asking for upfront payment, then I got to know legitimate recovery team still exist cause I’ve read reviews of the fake ones. Avoid being burnt again and get connected to the West now! The best fund recovery firm.
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Anna Capalbo 1 review | September 1, 2022
General Review
great fast service
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justin_lemme 1 review | August 29, 2022
General Review
Well I fixed my credit and got rid of my debts with the help of XAP Credit Solution whom a trusted colleague recommended and he did a perfect job increasing my credit about 210 points in a few business days. My score is amazingly at its high 780’s now and all debts and inquiries are gone & I’ve never been this happy. I refer this hacker to those who have a fixed date to fix their profile. Text XAP on +1 (801) 988 9890. Tell him Justin Lemme referred you. You can also reach him via XAPCREDITSOLUTION at GMAIL dot COM.
slow application
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eric_chavez 1 review | August 25, 2022
Personal Loan Review
Being able to handle people’s problems efficiently and effectively is a thing worth gratitude in every ramification. What XAP CREDIT SOLUTION did for me and my family is immeasurable, I had a very poor FICO of 510, I had a repo, student loans, evictions and a couple of late payments. After my niece convinced me I contacted XAP and they boosted my FICO to 790 and removed all evictions, late payments and repo. I know how unbelievable this may sound but they actually gave me a reason to be happy again. If you would like to engage with their services Email XAPCREDITSOLUTION @ GMAIL .COM. They are the best and surest means of getting your credit fixed. Tell them Eric told you so.
expand your reach
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loan financial 1 review | August 7, 2022
Personal Loan Review
Fast cash offer
I am a private money lender that give out fast cash no collateral required. all cash amounts and currencies, if interested (WhatsApp) number +917310847059 sumitihomelend@gmail.com Mr. Sumiti
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Aboagye George 1 review | December 27, 2021
General Review
Though I'm in Ghana[Africa] and do not qualify, i love the simplicity of explanation provided
Try and expand your coverage
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darla_peduzzi 1 review | April 8, 2021
General Review
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shobnom_ahmed 1 review | December 3, 2020
General Review
Good rate yes
Good. Rate yes
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Aziou 1 review | March 29, 2020
General Review
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Karol hartline 1 review | December 20, 2019
General Review
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