Need up to $10,000 today?

Find the Loan That Fits Your Goal

Home, car or personal expenses? Compare your loan options.

✓ Personal loan options
✓ Compare costs and terms

You will remain on this same website.

Learn More

Find the Right Type of Loan

Different financial goals may require different types of financing. Before choosing a loan, it is important to understand how the main options work and which costs and conditions should be compared.

Choose Your Loan Type

Loans can be designed for different purposes. Understanding the main categories can make it easier to identify which type may fit your situation.

Personal Loans
Personal loans may be used for eligible personal expenses, home projects, major purchases, unexpected costs or other permitted purposes.

Auto Loans
Auto loans are generally designed to finance a new or used vehicle. The vehicle may serve as collateral depending on the lender and loan structure.

Mortgage Loans
Mortgage financing may be used to purchase or refinance a home. Rates, loan periods, down-payment requirements and closing costs can vary significantly.

Business Loans
Business financing may help eligible businesses cover equipment, inventory, working capital, expansion and other business-related expenses.

What to Compare Before Applying

Two loans for the same amount can have very different total costs. Review more than the monthly payment before making a decision.

APR and interest rate: These can have a major effect on the total cost of borrowing.
Monthly payment: Make sure the payment fits comfortably within your budget.
Repayment period: A longer term may reduce the monthly payment but can increase the overall amount paid.
Fees: Origination fees, late fees, closing costs or other charges may apply.
Loan amount: Minimum and maximum amounts vary between lenders and loan products.
Repayment conditions: Review payment schedules, early repayment conditions and other contractual requirements.

What Can Affect Eligibility?

Each lender uses its own approval criteria. Depending on the type of financing, several factors may be considered.

Credit history and credit score
Income and employment information
Existing monthly debts
Requested loan amount
Loan purpose
Collateral, when applicable
State of residence and lender availability

Meeting basic requirements does not guarantee approval or any particular loan amount, rate or repayment term.

Secured vs. Unsecured Loans

Secured Loans
A secured loan is backed by an asset, such as a vehicle or property. Because collateral is involved, failing to repay according to the agreement may put that asset at risk.

Unsecured Loans
An unsecured loan generally does not require specific collateral. Eligibility and pricing may rely more heavily on creditworthiness, income and other financial information.

Before You Apply

Preparing a few details before reviewing financing options can make comparisons easier.

Decide how much you actually need to borrow.
Estimate a monthly payment you can reasonably afford.
Review your credit information when possible.
Compare multiple loan structures rather than focusing only on the advertised rate.
Read the complete lender terms before accepting any offer.

Quick Answers

How much can I borrow?
Available amounts depend on the lender, loan type, requested amount and your individual qualifications.

Does credit score matter?
It can. Credit history may affect eligibility, interest rates, available amounts and other loan conditions.

Is approval guaranteed?
No. Each lender applies its own eligibility and underwriting requirements.

Will every borrower receive the same rate?
No. Rates and terms can vary according to the lender, loan product and borrower profile.

Are there fees besides interest?
There may be. Depending on the loan, lenders may charge origination fees, closing costs, late fees or other charges.

Should I compare more than one option?
Comparing different options can help you better understand differences in cost, repayment periods and eligibility requirements.

Important Information

Informational Content: This material is provided for educational and informational purposes only and should not be considered financial, legal, credit or lending advice.

Loan Availability: Loan products, amounts and lender availability may vary based on location, eligibility requirements and borrower qualifications.

Rates and Fees: APRs, interest rates, origination fees, closing costs and other charges may apply and can vary by lender and borrower profile. Review the lender’s complete pricing and terms before accepting financing.

Approval: Viewing loan options or submitting an application does not guarantee approval, a specific loan amount, a particular interest rate or any specific repayment terms.

Eligibility: Lenders may consider factors including credit history, income, employment, debt obligations, loan purpose and other information when reviewing an application.

Terms: Loan terms, payment schedules and conditions are determined by the lender. Always review the complete loan agreement before making a financial decision.