APR Ranges From 2.00% up to 35.99% For Qualified Customers
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Frequently Asked Questions
When applying for a loan, you may have questions about the process or requirements. To make it easier, we've compiled answers to the most frequently asked questions
What Exactly Is a Personal Loan - and How Can It Help You?
A personal loan provides individuals with flexible funding of up to $100,000, which can be used for a variety of purposes—whether it’s home improvements, major purchases, vehicle repairs, or other financial needs. Loan terms vary by lender. Getting started is simple. Just complete our streamlined online form with basic details, including where you’d like your funds delivered. No lengthy questionnaires. Just a quick, hassle-free way to access the financing you need.
What are the basic loan requirements?
Must be at least 18 years old.
Must be a U.S. citizen or permanent resident.
Currently employed or receive steady income.
Have a bank account to receive the funds ideally with direct deposit.
Are there any fees?
CreditNLending.com provides its matching services completely free of charge. However, please note that approved lenders will charge applicable fees and interest as outlined in your loan agreement. Upon approval, your lender is required to disclose all terms—including rates, repayment schedules, and any additional costs—clearly and transparently. We strongly encourage you to review these terms carefully before accepting any loan offer.
What are the repayment terms and the APR?
The Annual Percentage Rate (APR) represents the total cost of borrowing, expressed as a yearly rate. It reflects the loan amount, repayment schedule, and fees—helping you compare credit offers. CreditNLending.com is a connector service, not a lender. We cannot guarantee specific APRs. Always review your lender’s final agreement,terms may differ. Only accept loan terms you fully understand and can repay comfortably. Late payments or extensions may incur additional fees (check your contract). APRs range from 2.00% to 35.99%, with repayment terms from 91 days to 72 months – actual rates depend on the lender and your loan agreement (CreditNLending.com is not a lender).
How/when do I repay the loan?
Please check the loan agreement from your lender for specifics on this, as each loan may vary.
How do you protect my privacy and personal information?
We take privacy seriously, so we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also look at our privacy policy for more details on this.
Representative Example
APR: Total Loan Costs & All Applicable Fees
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payments | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payments | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |