Personal Loans for Good Credit

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If you decided to look around for personal loans, whether online or offline, you'd see there are plenty of them around. However, not all personal loans are ideal for all would-be borrowers. Lenders tend to create various loans with specific types of customers in mind - such as personal loans for good credit customers, for example.

That's the topic of this guide. If you have a good credit score and you'd like to see if you could get hold of the loan amount you need, whether for debt consolidation or other reasons, keep reading. We're going to cover all the topics, questions, and facts that revolve around good credit personal loans for your min credit score.

What does good credit mean?

Everyone has a credit score, typically ranging from 300 to 850. The higher your score is, the more likely it is that you'll be able to get the required loan amount you'd like from a lender. A high score means you're a good risk as far as lenders are concerned.

Conversely, the lower your score is, the less likely it is that you'll be able to borrow a loan amount. Missing payments and having other issues with your finances could affect your credit score in this way.

A good score is in the middle of the range of credit score possibilities. Most lenders - around 90% of those you might come across - use the credit score system created by FICO. This was created by the Fair Isaac Corporation, so you can see how it just stands for the letters in their name and has no other direct meaning.

As we've seen, a FICO credit score could be anywhere from 300 to 850. There are five categories for the credit score to fall into:

  1. 300 - 579 is a poor credit score
  2. 580 - 669 is a fair credit score
  3. 670 - 739 is a good credit score
  4. 740 - 799 is a very good credit score
  5. 800 to 850 is an excellent credit score

Approximately 21% of Americans sit somewhere inside the good credit category, with a score worth between 670 and 739. If you're sitting in that category too, you could consider personal loans for good credit if you're looking for a loan amount to borrow for some reason.

How can you tell whether you have the minimum credit score you need?

There are online services that don't charge you anything to find out your current credit score. Experian is a good name to trust; they're one of the best-known companies in the industry. Enquiring about your credit record won't affect your credit score, by the way - you're allowed to keep an eye on it and indeed you should.

If you want to know whether you could be considered for a good credit loan on particular repayment terms, it's worth getting hold of your credit score online today. You shouldn't need to pay for this. Even if you checked it a while ago, don't assume your credit score might be the same. It can and does change, so it's wise to keep an eye on it from time to time.

Sometimes with personal loans, it's difficult to know what to do for the best. Personal loans are created with different audiences in mind though, so if you know you've got good credit, you can look for loans based on those criteria.

While you may not get loan terms or a loan amount similar to someone with excellent credit, there are reasonable deals out there. So, don't worry if you don't have excellent credit. There is plenty for us to cover yet, and we're going to see how you may be able to get the loan amount you're looking for.

Let's dig a little deeper now to find out more.

What to expect if you have good credit

People with good credit may get better loan terms for personal loans than those with a fair or poor credit score. There are understandable reasons for this, too. They're not going to receive the loan terms someone with excellent credit might receive, but they're likely to be in a more encouraging position than those with poorer scores.

The credit score system enables lenders to identify those who are a good or bad risk for a personal loan. If your credit score sends you into the fair or poor category, lenders will be able to see that you're a riskier proposition for a loan amount than those with better credit scores.

They'll often go for a soft credit check first to determine where you sit on the FICO scale and whether they may be willing to lend you the loan amount you want. We'll cover soft credit check info later in this guide.

In many cases, lenders may decide not to risk lending any money to those with poor credit. They're simply far too risky and there could be a higher chance that the loaned funds would not be repaid according to the repayment terms. If someone with bad credit did receive loan funds, they would likely have far higher interest rates to pay.

Those in the fair category may find it easier to request and receive a loan amount. Even then, though, their lower credit score may lead to smaller available amounts to request for a minimum loan, along with higher interest rates.

Good credit means you could receive favorable loan terms

It's important to be aware that we are all different. Just as all lenders are different. We all have our own credit scores and various lenders are going to target different markets and customers. Marcus by Goldman Sachs may have very different criteria for each of their loans, just as Best Egg personal loans and Sofi personal loans will also vary. And each lender will, of course, be different from the others too.

That said, there are some elements to think about if you find out that you do have good credit. Let's explore some of the main ones now, so you've got a better idea of what to look for and expect. It's always better to know as much as you can upfront, as it makes it easier to understand how loans for good credit may work.

1: A chance of lower interest rates

Of course, everyone looking to request any sort of minimum loan or maximum amount wants to see competitive interest rates, whether they have excellent credit or they're in any of the other FICO credit score segments.

However, your credit score could influence the sort of rate you might see. Personal loan rates vary according to the min credit score for that loan product, and according to the credit history of the person making the request. You'll likely see a range of interest rates, with a minimum and maximum for each personal loan.

If you were to compare the rates for loan funding from Marcus by Goldman Sachs (by Goldman Sachs Bank USA) to multiple lenders also aiming for good credit customers, you may see differences there, for example. All the top personal loan lenders have their interest rate range to work within.

This means that even though good credit customers may get better rates than those with lower min credit scores, it's still important to look around to find out which loan could be the most relevant. It's always vital to do this, and Loanza could speed things up for you.

Personal loans are still going to vary across the board - and that's why plenty of people with the min credit score for personal loans for good credit use our service to try and find a competitive deal.

2: The possibility of a higher loan amount limit

This means the top end of the amounts you could receive from the top personal loan lenders who consider requests from those with good credit.

People with excellent credit usually find they may be able to borrow a lot more than those with a lower min credit score. That's because their excellent credit history and score work together to prove they're able to handle and manage debt responsibly without any issues for the lender.

Those at the lower end of the scale with poor scores may find they cannot get any personal loans at all. They'd need to improve their score and show this in their credit history before being able to request a loan they may receive approval for.

Those like yourself, looking for personal loans with a good credit history to support them, are somewhere in the middle. You're above the min credit score required for a fair rating, which means you may be considered for loans by some lenders (but likely not all).

You're scoring around the average for all Americans, and perhaps just above, which makes you a reasonable prospect, although not the best. Personal loans are available to those in this category though, as we've seen.

If you qualify for a personal loan, you could stand a chance of borrowing higher amounts given your history. Again, each lender has clear minimums and maximums, with limits based on their criteria.

This is another reason why using Loanza to search for a competitive personal loan could work well for you. You'll save time that would otherwise be spent hunting around online - and you may not even be able to check as many sources as we are able to by using our extensive database.

If you're struggling to find the time to do this, or to know how to proceed for the best, personal loans via Loanza could be worthwhile for you.

3: The potential for lower fees connected to the personal loan

We'll look at fee types later on in this guide. However, this is another possible advantage of having a decent credit score. There is a chance that you may find loans with various fees attached to them. Not all loans have all types of fees, but one might have fewer fees than others.

Those with the min credit score that puts them into the good range we wrote about earlier may have more attractive fees, such as a lower origination fee - or even fewer fees compared to people with lower scores. So, even if there are fees to think about, they could potentially be lower than they would be if you had a lower score. More promising news for you in this respect if you're looking for what's best. Personal loans give you plenty to think about, from your monthly payment to an origination fee, and through to many other aspects as well.

The most important point to remember

You can see how having a FICO credit score of between 670 and 739 means you may have more opportunities to look for loan proceeds with a reasonable monthly payment to use for your desired purpose. Loans for good credit scoring customers tend to be more appealing than those aimed at individuals who pose a far bigger credit risk to the lender. This holds true regardless of whether you're after debt consolidation loans or something to help with home improvements.

However, the most important point of all still stands, regardless of your credit score, your credit requirements, and all other points we've made so far in this guide. You should always compare loans before choosing the most relevant and affordable one to request. It may be tempting to put in a loan request with the first lender you see that seems to be suitable and offer a decent monthly payment. However, if you do this, you could end up requesting a loan that has higher interest rates than you might pay elsewhere.

You might also find more competitive loan terms if you look around and look at several loans for good credit customers. And that's where Loanza might be able to help.

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Loanza could speed things up with our online tools and database

We get it - lots of people hate the idea of comparison shopping. It's enjoyable when you're looking for a new item of clothing or shopping around for Christmas or birthday gifts for someone else. However, when you're looking for a personal loan, it doesn't seem like as much fun, does it?

Yet if you sign a loan agreement for the first reasonable-looking offer you come across, you could end up paying higher interest rates and receiving less favorable loan terms, such as a higher origination fee.

That's where we come in.

We're not a lender, but we've partnered with multiple lenders who now appear in our database. We know it can be tricky to know where to look and what to do for the best. Personal loan rates vary hugely, but we're here to take on the heavy lifting and to search for a competitive lender for you. Once we have your details, we'll try and find a lender offering the loan amounts you're hoping to borrow.

A few pieces of identity and credit information and you'll be on the way to finding out about a possible source of personal loans for people like you.

What can you do if you fall below the minimum credit score requirement for good credit?

This could happen, as there is a natural cut-off point between each of the five categories your FICO score may fall into.

For example, you may discover your credit score is 663. This is just below the 670 minimum required to go into the good bracket. Fortunately, there are ways that you can improve your credit score. If you can do so, you absolutely should, as it could help you access better offers. Don't worry if you're unsure about which steps to take for the best. Personal loans for good credit customers could be easier to reach with these tips on improving your credit score.

1: Correct any errors in your credit history

Yes, errors can and do happen. They're not hugely common, but they can occur for a variety of reasons. Fortunately, you should find it fairly straightforward to get hold of your credit report online. You shouldn't be charged for doing this. Since there are several bureaus in the US that hold credit reports, it's worth getting one from each source.

Take some time to read through each report and note if anything doesn't look right. You'll need to put in a dispute for anything you believe is an error, along with proof to support your claim. You may find a dispute form on the official website for each bureau, so check on that to make sure you have the correct paperwork.

It may not sound like a straightforward or speedy process, but if there are errors, it makes sense to get them corrected. Your credit score may be suffering for no reason if you don't.

2: Improve your debt to income ratio

Your debt to income ratio is a huge deal. You should always make sure your outgoings are less than your income, of course, but this is about making sure the ratio between the amount of debt you hold and your income is below a certain level. You might also see this referred to simply as the DTI ratio for short.

Many sources state that 43% is the highest ratio you can have and still be considered for a loan from an equal housing lender or other mortgage lenders. However, it's important in terms of personal loans too, not just those organized by an equal housing lender.

In short, the lower your ratio is, the more likely it is that a lender may consider you for a personal loan if you meet the minimum credit score requirements. It's easy enough to work out the ratio for your own situation too. Just add up all the monthly repayments you have for current debts. You then need to divide this figure by the gross income amount you receive each month to work out the ratio.

So, let's say you add up your debts and find that you're paying $1,500 a month in repayments on those loan amounts. You receive $4,000 each month in gross income. This means you need to divide $1,500 by $4,000 to get your debt to income ratio.

Here's how to do it for this example:

  1. Work out your monthly debt repayments - in this example, $1,500
  2. Check your gross monthly income - in this example, $4,000
  3. Divide $1,500 by $4,000 (obviously you can change those figures and plug in your own) - this gives you 0.375
  4. Multiply the total by 100 to get your percentage - in this example, it gives us 37.5% as our DTI ratio

Your debt repayments should include all credit card debt, other personal loan amounts, debt consolidation loans, and so on. Don't include any utilities or similar bill payments, as lenders don't consider those in terms of the DTI ratio.

If you're under 43%, some lenders may consider you for loan proceeds depending on your circumstances, credit history, and credit score. However, the lower your ratio is, the better your chances of being considered for any loan, from debt consolidation to home improvement loan to something else.

There are two ways to improve your ratio. You can get another job that pays more, as this increases your gross monthly income. Of course, this isn't as easy as it is to write down. It's worth considering though. The other way is to pay down as much debt as you can, to reduce that figure even while your gross income figure stays the same. We'll come to this in a moment.

3: Automate all monthly payments

This means you're far less likely to miss any. This applies to all types of loans, including debt consolidation loans, credit cards, and so on. Late payments aren't the same as missed payments, so it's wise to be aware of the difference.

Late payments are usually those that don't reach the lender by the due date but are received within 30 days of the due date. If you make payment within 30 days of the date given, they shouldn't appear on your credit record. You're still likely to be hit by late fees or interest on the owed amount though, so it's still wise to make sure you don't miss any.

Missed payments are those that you do not make. So, you might make a monthly payment and miss July's altogether, making payment in June and then not again until August. These missed payments may have an effect on your credit record, so do everything you can not to get onto this path.

4: Pay down debt as much as possible

Paying down debt can help your credit score improve in several ways. It helps your debt to income ratio improve for starters, as we explained above. It also means you've got less debt owed to various lenders, so your total loan amount to repay is lower and therefore you have more wiggle room to consider another loan if need be.

The best way to approach paying off debt is to look at the interest you are paying on each loan amount. Credit card debt may often have a higher annual percentage rate than other loans. Even those with excellent credit may see a far higher annual percentage rate on these cards compared with other loan options.

In some cases, you may be able to seek out better repayment terms if you consolidate debt rather than keeping expensive credit cards and other loan amounts. You might look for good credit loans that offer decent repayment terms and allow you to clear credit cards with higher interest rates.

If this may work for you, it could mean you pay lower monthly repayments overall. This may allow you to pay down more debt because you can pay the same amount you were doing each month, thereby clearing the debt faster.

Let's say your existing payments add up to $1,000 each month over two credit cards. If you searched for loan terms on personal loans for good credit, you may be able to find a monthly repayment of less than this on a loan amount to clear those debts. Check that you can overpay each month without incurring fees. If you can, this may be an ideal way to repay the loan early and clear your debt faster and in a more affordable way too.

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Could a personal loan help you improve your credit score?

It's possible, yes - but you must understand that it can only help if you can afford it and you make the required monthly payments on time every month to clear it.

There are several ways this method could help you. We'll cover these below.

It could improve your mix of credit sources

Your credit mix describes the range of loan types you hold. For example, if you have, say, three credit cards, they're all the same type of loan, so they're not a good credit mix. If you had a credit card and a personal loan, this would be a better mix. Some people may have an auto loan along with a credit card and a personal loan, which would be an even more diverse mix.

However, you should only attempt to take out a personal loan if you know - and can prove - you can afford it. This is something that all personal loan lenders are going to look at. They always weigh up risk with all loan requests they receive. It's the reason why it could be more difficult to find good personal loans for people with bad credit, as they represent a higher risk than those with good credit.

You may improve your history of paying on time

This only works if you do pay on time, of course. Payments for most loans are going to come straight from your bank account, so make sure you supply the correct details when you go through the loan terms and agreement with any lender following a loan request. It doesn't matter whether this is with Marcus by Goldman Sachs (part of Goldman Sachs Bank USA) or another of the top personal loan lenders. Double-checking all your personal details is crucial.

Mistakes and keying errors are easy to make and they can potentially cause you issues down the line. It's always best to get things spot on at the start.

If you've been late with payments in the past or even missed them altogether, make sure you are on time or early with payments if you're taking out a loan to help boost your credit score. Show you are responsible with your repayments on the loan amount you have borrowed. You'll repay part of the principal loan each month along with interest.

Your credit utilization score may improve

Don't worry - this phrase isn't quite as technical as it sounds. Credit utilization refers to the amount of credit available to you and the amount you're actually using. Lenders may look at this as a percentage, with a lower percentage looking better than a higher one.

It is also the reason why you should hang onto old credit cards if they're still active - even if you never use them. They can still play a role in helping you prove your credit worthiness. Maybe you've decided to try and consolidate debt and you request a loan to clear a couple of credit card debts. This is a common loan purpose.

You could cancel those cards once you've cleared the balances, but it's better to keep them and not use them. Here's why. Let's say you have $2,000 on one card with a $5,000 credit limit and $1,500 on another card with a $6,000 credit limit. You take out a loan amount that is enough to clear those balances. You now have a loan amount of $3,500 and two credit cards with zero balances.

However, you still have $11,000 in credit on those two cards. Adding the $3,500 loan means you have available credit of $14,500. If you canceled those two credit cards, you'd only have the $3,500 loan... and you'd be using all of that. Keeping the cards means you've got a more encouraging credit utilization score - and that's something lenders may look at.

Personal loan fees: Potential fees to note for good credit personal loans

Many loans have some kind of fee or fee involved, from late payment fees to origination fees. We'll cover the most likely ones you might come across below.

Origination fees

An origination fee is paid when you take out a loan. You're not guaranteed to get a loan that has an origination fee, and when one does appear, the origination fee could be for varying amounts depending on the personal loans you are looking at. According to Marcus by Goldman Sachs, the origination fee might be as little as 1% or as much as 6%.

Lenders always work out the origination fees as a percentage of the loan amounts, so if you're borrowing $2,000 with a 5% origination fee, you'll need to pay $100. Another example would be a loan of $5,000 with just a 1% origination fee. In this case, you'd need to pay $50, even though the loan is larger.

Origination fees vary, as we can see, and it does help to look for the lowest origination fee you can. Those with excellent credit may have a lower origination fee to pay than those with a good score. Similarly, your good score could mean you have a better origination fee than someone with a lower score. Since the origination fee gets added to the loan, you're looking at a higher amount if your origination fee is higher than you would like it to be.

Early repayment fee

This is also sometimes known as a prepayment penalty or prepayment fees, although those terms may be used more often with mortgages rather than other loans. Simply put, though, a prepayment penalty triggers on some loans if you clear them before the end of the loan term you agreed to.

This fee won't be payable if you don't payoff personal loans ahead of the agreed end date. It means you just need to make the agreed monthly payments to clear the loan on time. However, if you think there could be a chance that you might repay the loan early, it's worth looking for this fee. There could be a possibility of choosing a personal loan that may not include it.

Late fees

These are obvious, but we'll cover them here to ensure all our information is for the best. Personal loan products are likely to incur late fees if you don't make your monthly payments on time.

As with the prepayment fees example, though, you won't pay any late fees unless you are late with your repayments. So, if you were to get approval for the loan term and sum that you're looking for, it's a sensible idea to set up an automatic payment to the lender. This means the payment will go directly to them from your bank account each month.

Of course, this only works for fixed monthly payments, so if you're on a variable interest rate, you'll need to set up some kind of reminder to make sure you get that payment sent off on time according to the repayment terms each month.

One final point - you may also see terminology such as a borrower registration agreement or other terms when you look at loan conditions with a specific lender. Always make sure you understand everything you see, and you do not sign a loan offer before you go through it.

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Don't forget to consider interest rates either

Your principal loan amount is going to have interest applied to it. The rate may vary according to the information lenders see on your credit report. You may be able to get an idea of whether a lender might be able to lend to you based on a soft credit inquiry (we'll come onto the topic of a soft credit check shortly, so stick around for that).

But if you do receive approval for the maximum loan amount you're looking for on a good credit loan, you'll see an interest rate for that loan. An online lender may give a range of interest rates for a min credit score. You may also see origination fees and other fees as mentioned above. You'll either have fixed interest rates or variable ones, and it's good to know the difference between them.

Fixed interest rate

In this scenario, the rate you see is the rate you pay for the duration of your loan term. This could be for a few months or years. You may still see a range of available rates, but the lender might set a fixed rate for you based on your loan term, maximum loan amount, and credit history.

Many people prefer seeking loan funding with a fixed rate of interest. Typically speaking, fixed rates do tend to be higher than variable ones. However, it does mean you'll know exactly what your repayments are each month. They won't change, thereby giving you confidence in that certainty. This is ideal if you prefer to know what you'll pay monthly and if interest rates are low at present, as you can lock in a sensible deal.

It also protects you against future rate rises. If the rates did rise, your monthly repayable loan amounts still would not change. Of course, if you fix rates for, say, one year on a loan lasting for two or more years, you would have that uncertainty after the fixed period ends.

Variable interest rate

In this case, your rates are indeed variable, meaning that the lender has the opportunity to raise (or lower) rates as they see fit. For instance, if the base rate goes up, the lender would usually pass on that rate rise to people on a variable rate loan with them.

Variable rates tend to be lower than fixed ones when you look at similar loan amounts and repayment terms. However, they don't have the certainty and reliability of the fixed deals, whether they are for a minimum loan or maximum loan amount. You should be careful, then, to consider whether security of a fixed rate is better for you and more manageable within your budget.

Remember too that if you find an offer with a low variable rate attached to the repayment terms, regardless of the loan purpose, you may run into problems repaying the loan if rates rise in future. This may affect your credit score if you find you cannot make your repayments.

If you are near to the minimum credit score needed to get a loan based on a good score, this could send you into the fair scoring category, making it harder to seek out a loan in future. As you can see, this may adversely affect your credit score.

Reasons to look for personal loans for good credit

People search for these loans for all kinds of reasons, although some are more commonly seen than others. We explore some of the most common reasons why people look for these loan proceeds, often from an online lender.

Debt consolidation

If you've got any high interest credit cards, it can be difficult to pay more than the minimum repayment amount each month. The interest can mount up on these, as it may be higher than you might get on a personal loan. As with other loan types, your min credit score could also influence the interest rate you receive on a credit card or loan.

Furthermore, if you only repay the minimum amount each month, you'll find you're treading water rather than bringing down the amount you owe. If you're late with payments there could be late fees involved, and if you miss some, it could affect your credit score.

Personal loan APRs could be potentially much lower than those on credit cards. This means that if you got the nod for a personal loan term, you could clear the cards, make a more manageable monthly repayment, and even clear the debt faster in some cases.

Unexpected bills

No matter how well you plan, there will be times when an unexpected bill lands on your doorstep. It seems typical for this to occur when you least expect it - and when you're least prepared for it. Even if you have savings, you may not have enough to meet a bill you weren't expecting.

If a household appliance breaks down, you can't always wait for a few weeks or months to save up for a new one. Imagine life without a refrigerator, for example - it would be difficult to manage day to day without one. This is a typical loan purpose for some people, even those looking for good personal loans for bad credit rather than good.

Auto expenses

This could mean anything from auto repairs to funding a vehicle. It's a familiar loan purpose for many people though, especially those on a tight income who may rely on their vehicle to get to and from work each day - or even to do the school run.

It's great if you earn enough to have a significant pot of savings to draw from and to invest funds in various products. Investors commit funds to all kinds of savings vehicles each day, but for some, this is only a dream.

It could be that you rely on your vehicle for work, and you couldn't get there any other way. If it broke down, you'd need to sort out auto repairs or even buy a newer vehicle if your current one couldn't be repaired. What would your minimum loan be for this? Would you have the min credit score needed to get a loan - with or without an origination fee - to sort out this pressing issue?

Loanza has already helped many people find loans to suit their requirements, offering information on monthly payments and origination fees, with a min credit score that puts them in the good scoring category. Could we help you as well?

Home expenses

Home expenses come in many shapes and sizes. You may be thinking about a new extension to help get more out of your property instead of moving to another one. It could be something as simple - and as essential - as getting a small amount of loan funding to help you with a new refrigerator purchase. If you don't have savings to rely on for essential purchases like these, you may end up where you might get that loan amount from when you need it.

We know that many people like to save for purchases, but there are times when this simply isn't possible. Take the new refrigerator, for example. If your existing one breaks, how long could you manage without one? You might even end up spending more money on groceries to get by, as you'd need fresh food each day. Looking for the right loan amount from an online lender could be a sensible and convenient way to find the funds and the repayment terms that you need.

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What is a soft credit check and why might it help you?

A soft credit check is not a full check of your credit report. Lenders can look at certain aspects of your report without leaving a mark behind. This gives them enough information to consider whether they'd be willing to lend you the loan amount you're after. Remember that it isn't a formal offer, just an idea of whether they might lend a loan amount to you in theory.

If the loan terms and interest rates look reasonable, you may decide to make a loan request to a named lender. This would trigger a hard check, and this would leave a mark on your credit record that would be visible to other lenders in future. Make the most of a soft credit check by assessing the possibilities first - something that Loanza could help you with.

Why choose Loanza to see if you could find personal loans suited to your credit score?

We've created Loanza to help those who are looking for a personal loan. We need just four pieces of information from you to get underway:

  1. The loan amount you're looking for
  2. The purpose you intend to use the loan for
  3. Your email address
  4. The last four digits of your Social Security Number

You can see how far you are through the search process by looking at the bar at the bottom of the form. We'll need some information from you - all quite straightforward - to see if we could connect you to one of the trusted lenders in our database.

You'll soon see that we could save you plenty of time, so if you're keen to find a suitable personal loan for your credit score, we could make it easier for you to do so. You won't be subjected to a hard credit search when you use our service either.

We take your details and introduce you to prospective lenders, highlighting ones that may work for you on your min credit score and requirements. If you like what you see, you can formally make a loan request.

At this point, a lender can view your details and consider whether to offer a loan amount based on specific loan terms designed just for you.

Even without excellent credit, Loanza might be able to help

Lots of things can affect your credit score, as we've seen. However, even without excellent credit, you may still find competitive offers via Loanza for the loan amount you need. We've helped many others with good credit find competitive loan terms, so we may be able to do the same for you.

Complete our simple form today - we charge no fees and we never will. You could find a suitable loan within the next couple of minutes, and if you like what you see, you could look through the loan terms and potentially receive credit approval for your desired loan amount very soon. Remember - Loanza is here to help, so let's see if we could help you today.