Unsecured Personal Loans for Good and Bad Credit

For over 15 years the team at BetterLoanChoice has been helping people with good and bad credit get approved for personal loans. Our system is fast, safe and secure. Our participating lenders provide loans that can be used for anything! Personal Loans, Debt Consolidation, Business Loans, RVs, Plastic Surgery and anything else that you may need. In some cases, our participating lenders can get you the cash in less than 24 hours. Even if you have bad credit, our process may be able to help get you a loan. Begin now to find out!

Below you can find some common answers to questions we get every day. If you do not see an answer to your question here you can always chat with one of our representatives (if online), call our toll free number or email customer service. More questions and answers can be found on our dedicated FAQ page.

BetterLoanChoice.com is not a lender, we do not make loans and we do not make credit decisions. Instead, we connect you with participating lenders who offer loans. The lenders can offer unsecured or secured personal loans, including auto loans, loans after bankruptcy, medical loans, vacation loans, motorcycle loans, and loans for other needs. Based on certain criteria and the information you provide, we may direct you to different types of participating lenders including peer-to-peer lenders, traditional lenders, and installment lenders.

Some, but not all, of our participating lenders can set up automatic loan payments for you. These payments would come directly from your bank account. The benefit of an automatic payment arrangement is that, if the money to cover the payment is in your bank account, your payment will be made whether you remember to make it, which may help to keep you from defaulting and from incurring late payment fees, depending on the terms and conditions established by your lender.

Why do you ask for my credit score? I thought you said no credit check.

We ask you to tell us your credit score because we do not run a credit check on you. A hard credit pull will negatively affect your credit score. A hard credit pull is a specific request made by lender to one (or all) of the 3 major credit bureaus. BetterLoanChoice.com does not conduct a hard pull of your credit. By submitting your information, you are giving express authorization for our participating lenders to conduct a hard pull your credit to make a decision on your loan.

We connect customers with participating lenders who offer loans of up to $35,000 to customers who meet the highest of credit requirements. Start now to find out the maximum amount any participating lenders with whom you are connected to might offer to you. Our process is secure, easy, and fast!

Can I really get a loan with bad credit?

Yes! While not all customers qualify, some of our participating lenders have designed loan offerings for customers with bad credit. Generally, if you have really bad credit, a credit score less than 500, we will be unable to connect you with a lender that can offer you a loan. If you do obtain a loan, make sure to pay on time and to follow the rules that your lender provides to you – your failure to do so may harm your credit since the information could be given to the credit reporting agencies.

Our services provided by BetterLoanChoice.com are completely free to you. We are paid directly by our participating lenders and through other offers on our website, including the offer to participate in a 7 day trial for credit monitoring for a cost of $1. This is just one example of how we might benefit from you using our website. Once you are approved for a loan, the approving lender will notify you of the rate and of any fees and costs associated with the loan you are being offered. The credit monitoring terms may change so please review the terms of the offer before you sign up.

Our participating lenders offer loan terms below 36% APR. Loan terms vary from 6 months to 60 months (5 years). Origination fees may range from 1% to 6% and is already included in the APR. This fee will be disclosed to you prior to you accepting your loan. On average the fee will be around 5%. For example, a $5,000, 36-month loan at an interest rate of 26% with a 5% origination fee, may cost you at least $2,252 in interest, requiring a total payback amount of $7,262. All fees associated with the loan are required to be disclosed by the lender in terms of APR. Not all lenders operate in all states, and this may affect the terms and interest rate you are provided. If you have any questions regarding the loan you are offered, you may contact the lender directly.

BetterLoanChoice connects you with participating lender(s) based on the data you provide. Some lenders may respond to your inquiry based in part on your credit score, your income, your location, and other factors. When you are connected with a lender, you are not obligated to take a loan offer. Being connected to a lender does not guarantee that the lender will offer you a loan.

We want to make sure that you can get any of your questions answered. Below are several of the ways that you can contact us. If you cannot get through on phone or chat, please email us and we will get back to you within 24 hours.


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Call For Personal Loan :- 91-9999999611

Deal-4-Personal Loan is your first stop for all your personal loan needs. We are established, safe, secure, quick, and customer service oriented. Personal loan is a short-term loan to assist you with your finances. These loans have become quite popular today, and now this is the main way to get financial assistance in the form of a cash advance. The amount of loan can be ranged from Rs. 50,000 – Rs. 20 lakh & the tenure for repaying the loan varies from 1 to 5 years

Deal-4-Personal Loan is your first stop for all your personal loan needs.We are established, safe, secure, quick, and customer service oriented. Personal loan is a short-term loan to assist you with your finances. These loans have become quite popular today, and now this is the main way to get financial assistance in the form of a cash advance.The amount of loan can be ranged from Rs. 50,000 – Rs. 20 lakh & the tenure for repaying the loan varies from 1 to 5 years. We help you in evaluating your loan on the basis of the following parameters:

  • Compare Interest Rates
  • Evaluation of various Loan offers
  • EMIs
  • Tenure
  • Turnaround time

  • Get instant quote on Rates, Emi, Eligibility, Fees, and Documents from all Banks.
  • Pick the best Bank as per your requirement.
  • deal4personalloan.com has serviced 21 lac customers till now & it's a totally free service.
  • Your Information is secure with us and will not be shared without your consent.

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Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees

  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 60 years
  • Minimum employment: Minimum 2 years in employment and minimum 1 year in the current organization
  • Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in Mumbai, Delhi, Bangalore, Chennai and Hydera bad & Rs. 12,000 in Calcutta, Ahmedabad and Cochin)
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
  • Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements (latest 3 months bank statement / 6 months bank passbook)
  • Latest salary slip or current dated salary certificate with latest Form 16

Salaried Individuals include Salaried Doctors, CAs, employees of select Public and Private limited companies, Government Sector employees including public sector undertakings and central, state and local bodies

  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 60 years
  • Minimum employment: Minimum 2 years in employment and minimum 1 year in the current organization
  • Minimum Net Monthly Income: Rs. 10,000 per month (Rs. 15,000 in Mumbai, Delhi, Bangalore, Chennai and Hydera bad & Rs. 12,000 in Calcutta, Ahmedabad and Cochin)
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
  • Address Proof (Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements (latest 3 months bank statement / 6 months bank passbook)
  • Latest salary slip or current dated salary certificate with latest Form 16

Self employed (Professionals) include self - employed Doctors, Chartered Accountants, Engineers, MBA Consultants, Architects, Company Secretaries.

  • Minimum age of Applicant: 25 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 4 to 7 years depending on profession
  • Minimum Annual Income: Rs. 100000 p.a.
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence).
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate).
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Qualification proof of the highest professional degree

Self Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in the Business of Manufacturing, Trading or Services.

  • Minimum age of Applicant: 21 years
  • Maximum age of Applicant at loan maturity: 65 years
  • Years in business: 5 yrs continuous business experience
  • Minimum Annual Income: Rs. 1,00,000 p.a.
  • Available in select cities
  • Proof of Identity (Passport Copy/ Voters ID card/ Driving Licence)
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Proof of continuation (Trade licence /Establishment /Sales Tax certificate)
  • Other Mandatory Documents(Sole Prop. Decl. Or Cert. Copy of Partnership Deed,Cert. Copy of MOA, AOA & Board resolution.)

Self Employed (Pvt Cos and Partnership Firms) include Private Companies and Partnership firms in the Business of Manufacturing, Trading or Services

  • Years in business: Minimum of 3 years in current business and 5 years total business experience
  • Business must be profit making for the last 2 years
  • Minimum Annual Income: Rs 100000 p.a.
  • Available in select cities
  • Address Proof (Ration card Tel/elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate)
  • Bank Statements(latest 6 months bank statement /passbook)
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA
  • Proof of continuation (Trade licence /Establishment /Sales Tax certificate)
  • Other Mandatory Documents (Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original).)
  • Borrow up to Rs 15,00,000for any purpose, depending on your requirements.
  • Repay with easy EMIs.
  • Avail Attractive Interest Rates
  • Hassle-freeLoans - No Guarantor / Security / Collateral required
  • Speedy Loan Approval.
  • Flexible repayment options, ranging from 12 to 48 months.
  • Convenience of service at your doorstep.
  • Credit Shield.
  • Personal Accident Cover.
  • Identity proof
  • Three to Six months Bank statements
  • Residence proof
  • Salary slip
  • Guarantors & their same set of documents if required

Ans:An unsecured loan is called a Personal loan. This implies that you don’t have to give any security, as with a car loan or a home loan, where the underlying asset is mortgaged with the bank. Normally, the bank does not ask for guarantors either. More advantages: minimum documentation and speedy clearance (within three to seven days of applying). And there is no monitoring of 'end use' -- you can use the loan for any purpose you like.

Q: What documents do I need to establish proof of income?

Ans: For income proof, most banks look at your IT returns for the last two years and also at the nature of income. However some banks do not consider speculative income - from the stock market, rental or agricultural income. Some banks discount such income by up to 50% in their workings. When can I apply for a Home Loan?

You can for apply for Home Loan at anytime. You may apply for it after you have decided to acquire/construct a property, and even in case, the property has not been selected or the construction has not commenced, you can still apply. What's more, you can also avail for Home Loan facility if you want to renovate or expand your home.


Find the best personal loan for you

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This offer does not constitute an actual commitment extend credit. You will be asked to submit an application at mybestegg.com. Your application is subject to final verification of applicant identity, supporting documentation and credit information. You may be asked to provide additional documents to enable us to verify your identity and application information.

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This does not constitute an actual commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to enable us to verify your income, assets, and financial condition.

* The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Minimum loan amounts vary by state.

** Example: A $6,500 loan with an administration fee of 3.75% and an amount financed of $6,256.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $265.40.

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Rates range from 5.99%-35.89% APR. Best APR available to borrowers with excellent credit. Borrow up to $40,000. Fast and convenient process.

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.99% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.49% as of Q1 2017. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months or longer.

The Rates, APRs, Fees, and Monthly Amounts above are estimates only and are not guaranteed. The information provided is for illustrative purposes only and is merely a conditional quote subject to change, may not be available in all states and are based on loan amount requested and creditworthiness as determined by the lender selected. When you proceed with a lender, they will inquire into your credit and such inquiry will impact your credit score. Your financial information will be required to be verified and subject to formal credit approval by the lender selected. LendingTree receives payment from the lenders on a cost per click and/or closed loan fee, but provides its services free of charge to you to search and compare lenders.

Sometimes you just need some extra money. Maybe your credit card interest rates are through the roof, you need to make a major purchase or something unexpected happens. That’s when a personal loan can really help. Use your loan to consolidate debts, cover medical bills, or make some home improvements, or even improve your credit.

Whatever your reasons, if you need some more money right now – from $1,000 up to $35,000 – LendingTree can help steer you in the right direction.

Improve Your Credit!

A personal loan can help you build or improve your credit by adding another line of credit to your credit report. Your lender will report your monthly payments to the three credit bureaus—Equifax, Experian and TransUnion. To improve your credit, make sure you make all of your payments on time and never miss a payment. With consistent, on-time payments, you’ll start to see your credit score improve over time.


Experience the convenience of Vivaloan's Personal Loans in 4 simple steps.

Our 5-minute online application is easy and secure

Once approved, e-sign your loan documents

Funds are typically deposited as soon as the next business day

Improve your credit score over time with on-time payments

Achieve goals faster with a smarter loan.

Vivaloan empowers its customers with benefits that convert financial dreams into reality.

Enjoy fast access to the funds you need to accomplish your financial goals, no matter how large or small. Once approved, funds are typically direct deposited into your account as soon as the next business day.

Our lenders offer loans to customers of all credit types ranging from excellent to poor. If you are at least 18 years old with a regular income, you meet the minimum requirements to be approved for a personal loan.

Access multiple loan options through one simple application. Depending on your financial situation, enjoy the option to repay your loan over the course of installments or with one single payment.

Many of the lenders in Vivaloan's network report on-time payments to credit agencies, which can ultimately improve your credit score over time.

Protecting your personal information is our top priority.

Vivaloan employs the latest encryption and information safeguards.

When you see the OLA seal, you can trust you’re working with a company committed to the highest standards of conduct, dedicated to ensuring the best possible experience for their customers, compliant and working hard to protect consumers from fraud.

Get connected with a personal loan no matter where you are.

Vivaloan is optimized for all mobile devices and accepts applications 24 hours a day, 7 days a week.

Over 100,000 Americans have experienced the Vivaloan difference.

We are dedicated to providing real financial solutions for our customers each and every day.

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Receive between $100 and $15,000 as soon as tomorrow with Vivaloan.

Financial needs can change over time or suddenly.

We provide quick access to loans suited for your situation, empowering you to reach your financial goals.