Personal Loans Reviews
(Rated by 1605 users)
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Are you looking for ways to save money when shopping at Personal Loans. Our Personal Loans coupon codes can help you do just that! Over 1605 customers have already used our coupons to save an average of $64 with Personal Loans discount codes. There are currently 18 coupons available, so now is the perfect time to join in on the savings.
Payment Methods
- Credit/Debit Cards
Payment Methods
- Verified Store VERIFIED
- Free shipping: Orders $50+
- In-store pickup: Ready in 2 hours
- 30-Day Returns
- Gap Good Rewards (4 brands)
Payment Methods
- Tops: $23 - $70
- Bottoms: $27 - $70
- Outerwear: $34 - $70
- Kids: $29 - $75
Today's Best Deals
Overall Rating
4.3
Base on 11 Reviews
Ratings by Feature
Ratings by Feature
- Good Value4.8
- Shipping & Delivery4.4
- Customer Service4.5
- Price & Quality4.7
- Return Policy4.7
Recent Customer Reviews (11)
Johanne Andreasen
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Jordan Conway
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Terence Santos
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Eleanor Oxley
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Joann Ramos
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Anthony Woods
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Henry Ellefson
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Laverne Starbuck
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Yahita Kadiev
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Francis Agnew
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Personal Loans Pricing
Loan Amounts
$250 - $35,000
Interest Rates
5.99% - 35.99%
Peer-to-Peer Origination Fees
1% - 8%
Payment Methods
Accepted Payment Options:
Prices for items on Personalloans.com vary widely depending on the type of clothing and promotions available. Typical price ranges include:
Credit/Debit Cards
Payment Process
- Payments can be made online during the checkout process.
- For Personal Loans credit card payments, options include online payments, mail, or phone calls, but in-store payments are not accepted.
Refund Information
Refunds for returns will be processed back to the original payment method used during the purchase.
Personal Loans Pros & Cons
Pros
1
Flexible Loan Amounts: Offers loans ranging from $1,000 to $35,000.
2
Fast Funding: Provides funding as soon as one business day, if approved.
3
No Origination Fees: PersonalLoans.com does not charge any fees for its service.
4
Wide Lender Network: Connects borrowers with a large network of trusted lenders.
5
Versatile Loan Types: Offers three types of loans: installment, bank, and peer-to-peer loans.
6
Generous Repayment Terms: Allows repayment terms ranging from 3 to 72 months.
7
Few restrictions on loan purpose: Personal loans can be used for almost anything, from making a large purchase to consolidating debt.
8
Predictable payments: Personal loans typically have fixed annual percentage rates, which means your payment amount stays the same for the life of the loan.
9
Fast funding: Approval often takes up to a day and some lenders offer same- or next-day funding.
10
No collateral required: Personal loans are usually unsecured, meaning you don’t risk losing your property if you fail to repay a loan.
11
Competitive Interest Rates: The average interest rate for a 24-month personal loan is lower than the average credit card rate. You may secure lower rates for a personal loan if you have a high credit score.
12
Flexibility to Cover Almost Any Purpose: Personal loans stand out for their flexibility, which allows borrowers to use them for various purposes without the limitations often found in auto loans or mortgages.
13
Rate Discounts: Many lenders offer to reduce your rate by a small amount if you set up automatic payments. Other lenders may reduce your rate by a percentage point or more on a debt consolidation loan if you let them directly pay off your debts instead of depositing the money into your bank account.
CONS
1
Variable Interest Rates: Interest rates can range from 5.99% to 35.99%.
2
Origination Fees for Peer-to-Peer Loans: Peer-to-peer lenders charge a loan origination fee of 1% to 8%.
3
Potential for High Interest Rates: Higher interest rates may apply for borrowers with lower credit scores.
4
Variable Fees: Origination fees, late fees, and prepayment penalties may apply depending on the lender.
Personal Loans Features and Benefits
Features
Flexible Loan Amounts
Offers loans ranging from $250 to $35,000.
Fast Funding
Provides funding as soon as one business day, with some lenders offering same- or next-day funding if approved.
No Origination Fees
PersonalLoans.com does not charge any fees for its service.
Wide Lender Network
Connects borrowers with a large network of trusted lenders.
Versatile Loan Types
Offers three types of loans: installment, bank, and peer-to-peer loans.
Generous Repayment Terms
Allows repayment terms ranging from 3 to 72 months.
Few Restrictions on Loan Purpose
Personal loans can be used for almost anything, from making a large purchase to consolidating debt.
Predictable Payments
Fixed annual percentage rates mean payment amount stays the same for the life of the loan.
No Collateral Required
Unsecured loans mean no risk of losing property if you fail to repay.
Competitive Interest Rates
Rates from 5.99% to 35.99%, often lower than average credit card rates, especially with high credit scores.
Flexibility for Various Purposes
Allows use for various purposes without limitations like auto loans or mortgages.
Rate Discounts
Reductions for automatic payments or direct debt payoff by lenders.
Flexible Repayment Frequency
Monthly or bi-weekly options.
No Prepayment Penalty
No penalties for early repayment.