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Personal loans online

Carrying card debt or staring down a big planned expense? That's a heavy load, and you're not the only one sorting it out. See where to get a personal loan online, compare costs and terms, then choose who moves forward. No obligation.

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What Is a Personal Loan?

A personal loan is a lump-sum installment loan, often $1,000 to $40,000, repaid in fixed monthly payments over a set term, usually two to seven years. The borrower gets the funds at once, then repays the amount borrowed plus interest until the balance is paid off. It's usually unsecured, meaning no collateral is required, and it's also called an unsecured installment loan. In plain terms, it can help you consolidate higher-interest debt or cover one larger planned cost.

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Borrowers consolidating debt or covering a planned expense, including less-than-perfect credit.

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Personal Loans

Personal Loans vs. Alternatives

Balance-Transfer Credit Card

Moving card debt to a balance-transfer card can give you breathing room during a lower-APR intro period. The catch is structure. You're still using revolving credit, the APR can change after the promo ends, and there usually isn't a fixed payoff date unless you make one and stick with it.

  • Revolving credit, so there's no built-in payoff date
  • Lower intro APR period, then a variable APR may take over
  • Often works for smaller balances you can repay within the promo window

Home Equity Loan / Secured Option

A home equity loan or another secured option may come with a lower cost because collateral backs the debt. That can help when you're borrowing for a major project, but your asset is on the line if payments aren't made, and the process can take more paperwork than an unsecured personal loan.

  • Often lower APR than an unsecured personal loan
  • Collateral is required, such as home equity
  • More steps to complete, and the asset can be at risk

Credit Union & Local Options

A credit union personal loan or local nonprofit option can be worth a look, especially if you're already a member or want a lower-cost place to borrow close to home. Loan amounts, APR caps, and local rules change by state, so check your state page before you choose.

  • Credit unions may offer lower APRs for members
  • Community lenders and nonprofits may have local programs
  • State rules can shape caps, amounts, and repayment details

What You Need for a Personal Loan

Age & Residency

You generally need to be at least 18 and a U.S. resident to be considered as a borrower. Basic eligibility comes first, before the lender reviews the rest of your request.

Verifiable Income

A lender will want to see income you can verify, which may include wages, benefits, or another steady source. They'll also look at your credit profile and current debt load to judge whether the payment is realistic, so bad credit may be considered, but it can come with tougher terms.

Active Bank Account

You usually need an active bank account so funds can be sent and monthly payments can be handled under the loan terms. Before you choose, make sure that account can support the payment date without squeezing essentials.

Borrow a Personal Loan on Your Terms

  • Borrow only what the goal needs

    A big expense or a stack of card balances doesn't have to turn into a larger loan than you meant to take on. With one form, you can review the options available to you in your account, compare the numbers, and choose the amount and term that actually fit the job. Say you're consolidating $8,000 of card debt and an option shows a higher amount. You don't have to borrow extra just because it's sitting there. The smaller your principal, the less interest can build across the full term, and personal loan cost is shaped by both the amount and the months you carry it. Borrowing to consolidate or cover one planned cost is an everyday, practical move. Keeping the amount tight keeps the cost down.

  • See the real APR, then choose

    Consolidating debt or paying for a larger expense is enough to sort through without guessing the cost. After the form, the options available to you appear together in your account, with APR, monthly payment, term, and total cost laid out so you can compare side by side. You pick what fits before you agree. Real numbers beat guesswork.

  • Fit the monthly payment to your budget

    Rent, groceries, and bills don't step aside just because a new personal loan payment shows up. Since personal loans can run for years, the monthly number needs to make sense on a normal month, not just on paper. Compare the terms next to each other, then weigh the trade-off: a longer term can lower the payment but add more interest overall, while a shorter term can cost less in interest if your budget can carry it. Watch your DTI, don't stretch the term only to make the payment look smaller, and check for a prepayment penalty before you sign. Run the payment against your take-home pay and see what's left for essentials. If the payment or term doesn't fit, choose a different option.

  • Let on-time payments support your credit

    If your credit is less than perfect, a personal loan can still be a step forward when you go in with eyes open. Most personal-loan lenders report to the major credit bureaus, so paying on time each month can help your profile over time, while a missed payment can pull the other way. Bad-credit profiles are often considered, but APR and terms may be tougher, which is exactly why comparing the numbers matters. If credit is the sticking point, our bad-credit guides walk through what to expect before you borrow.

  • How it works, from form to funds

    Start with one form, one time. The form goes to lenders and partners in our marketplace, and they review your request. A hard inquiry is possible, and more than one lender may run one. If options are available, you'll see them in your account with APR, monthly payment, and term side by side. You choose who to move forward with, and there's no obligation to accept. The lender you pick handles the funds and repayment under the terms you agree to. When you're ready, start with one form.

Personal Loans by State

Personal loans online

Personal loans online don't work the same way in every state. Loan amounts, terms, APR, rate caps, and legal rules can change depending on where you live, whether you borrow to consolidate debt, cover a large expense, or compare options with bad credit. Choose your state below before you repay under local rules.

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Loans in Alabama
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Questions about this product

An unsecured personal loan requires no collateral and is repaid in fixed monthly installments. In practice, through BroMoney the process unfolds in four steps: (1) you complete one online form in about 5 minutes, (2) BroMoney matches your profile against its network of 1,200+ licensed lenders using a soft inquiry — a credit check that does not affect your FICO® score — (3) you review the offers returned and select one, (4) the chosen lender originates and funds the loan — typically within 1–3 business days, depending on the lender and your bank's processing schedule. The lender — not BroMoney — sets the APR (Annual Percentage Rate), loan amount, and repayment term, which vary by lender and state law. The final credit decision is subject to that lender's review criteria.
Lenders in BroMoney's network of 1,200+ licensed U.S. partners typically evaluate five core criteria when reviewing an application. Those criteria are: (1) credit score — FICO® scores as low as 500 are accepted by lenders on the BroMoney network, (2) verifiable income or employment, (3) DTI (debt-to-income ratio) within the lender's threshold, (4) age 18+, and (5) an active U.S. bank account. An ITIN is accepted in place of an SSN by select partners. BroMoney is a marketplace and does not approve or deny loans — each lender independently reviews your profile and sets its own criteria, so meeting general requirements does not guarantee approval.
Borrowers with a FICO® score below 600 can still be matched with personal loan offers through BroMoney, a marketplace connected to 1,200+ licensed U.S. lenders. The network includes lenders who specialize in bad credit loans. Matching uses a soft inquiry, a background credit check that does not affect your FICO® score, so exploring your options costs you nothing credit-wise. Approval is subject to each lender's individual review criteria and is never guaranteed by BroMoney; lenders weigh income, DTI (debt-to-income ratio), and other factors alongside your credit score. To strengthen your application, consider reviewing your credit report for errors at AnnualCreditReport.com per CFPB guidance, adding a cosigner, or asking about secured loan options. You can start exploring lender offers today without putting your credit score at risk.
Personal loan APR (Annual Percentage Rate) in the U.S. typically ranges from 6% to 36%. Borrowers with FICO® scores above 720 tend to qualify toward the lower end, while scores below 600 typically land near the higher end. The rate a lender assigns depends primarily on your FICO® score, debt-to-income ratio, and whether the loan is secured or unsecured. Because BroMoney connects borrowers with 1,200+ licensed lenders, each setting its own APR independently, your actual rate is subject to the individual lender's review of your credit profile.
Personal loans available through BroMoney's network of 1,200+ licensed U.S. lenders offer three core financial benefits worth considering. These include debt consolidation at a potentially lower APR (Annual Percentage Rate) than credit cards, which may reduce total interest paid, and fixed monthly payments that make budgeting predictable. A third benefit is no collateral requirement — personal loans through BroMoney's network are unsecured. APR and repayment terms depend on the lender and your creditworthiness. On-time payments can also strengthen your FICO® score by improving payment history and credit mix — two key scoring factors. Comparing these benefits against your current financial obligations helps determine whether a personal loan fits your situation.
A personal loan is an installment loan, so you repay it with fixed monthly payments over a set term. It isn't revolving like a credit card, where you can borrow again as you pay the balance down. For the payment-by-payment structure, an installment loan guide can walk you through the moving parts.
Personal loan APRs are most competitive for borrowers with FICO scores around 720 and above, though many lenders work with lower scores.
A personal loan is usually unsecured, meaning you don't put up collateral such as a car title or home equity. Lenders still review your income, credit profile, and ability to repay before making a decision. Some lenders offer secured options, but no collateral options are available for many borrowers.
Yes, a personal loan can help build credit when your payments are made on time and the lender reports them to the major credit bureaus. Missed or late payments can move your credit the other way, so the real lever is whether the monthly payment fits your budget before you sign.
Yes, a personal loan can affect your credit score. A hard inquiry is possible, and more than one lender may run one, which can affect your score, usually by fewer than 5 points and temporarily. After that, your payment history does much of the work. Pay on time and the account can support your profile over time. Miss payments and you're on the hook for the damage, not just the bill.
Yes, most personal loans are reported to the major credit bureaus. That usually includes on-time payments and late payments, which is one reason personal loans can behave differently from many payday products. Before you move forward, check the loan documents so you know how that lender handles reporting.
Yes, you may be able to get a personal loan with bad credit, but the lender makes the decision. Less-than-perfect credit isn't a character judgment. It does usually mean the APR, loan amount, or term may be less comfortable than what a stronger credit profile might see. Review the numbers before you borrow, especially the monthly payment and total cost.
A personal loan doesn't have one universal minimum credit score. Requirements change by lender, and some lenders consider lower or bad-credit profiles when income and debt load support repayment. The trade-off is usually cost: a rougher credit file can mean a higher APR or tighter terms. Your income matters too. So does your state. If credit is the sticking point, check the bad-credit guidance before you choose an option.
A personal loan can be used for common borrowing needs such as debt consolidation, home improvement, medical bills, larger planned purchases, or car repairs. Some lenders restrict certain uses, including tuition or business costs, so read the terms before you put the funds toward a specific plan.
Personal loan amounts often range from $1,000 to $40,000. The amount you can borrow depends on your income, credit profile, debt load, lender criteria, and state rules. Ask for the amount your goal actually needs, because extra principal can add interest across the whole term.
Personal loan repayment terms are usually set terms with fixed monthly payments, often two to seven years. A longer term can lower the monthly payment, but it can also mean more interest overall. A shorter term can cost less in interest, if the higher payment still fits. Run the payment against your take-home pay first. That's the part you'll live with every month.
A personal loan APR often falls somewhere around 6% to 36%, but your number depends on your credit profile, income, loan amount, term, lender, and state. Bad credit usually points to a higher APR. Rate caps can change by state, so your state page is the cleaner place to check local limits before you borrow.
A personal loan can work better than a credit card for debt consolidation when you want a fixed payment and a clear payoff date, but the right choice depends on your situation. A balance-transfer card is revolving credit, so it may start with a lower promotional APR and then change later, without a fixed end date unless you build one into your own plan. If you need a clean finish line, the personal loan structure may feel easier to manage. If you can repay a smaller balance during the promo window, the card may cost less. Compare the real monthly cost, not just the opening rate.