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2015 Best
Online Personal Loans Review
REVIEWS AND COMPARISONS
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Ratings
Overall Rating
Loan Features
Service Features
Loan Application Information
Repayment Terms
Help & Support
8.63
8.45
8.07
8.00
7.70
7.65
7.57
7.28
6.90
6.23
6.15
8.75
8.13
8.13
8.75
8.13
8.13
4.38
6.88
4.38
5.00
6.25
8.75
8.13
8.13
6.25
8.13
5.00
9.38
6.25
6.25
6.88
6.88
8.75
7.50
7.50
6.88
8.13
8.13
7.50
8.13
8.75
5.63
6.88
7.50
10.00
8.13
10.00
7.50
8.75
8.75
7.50
8.13
8.75
6.25
10.00
8.75
8.75
8.75
5.00
10.00
8.75
8.75
8.75
3.75
2.50
Loan Features
Maximum Loan Amount
$1,000
$10,000
$1,000
$5,000
$1,000
$20,000
$1,000
$2,250
$1,500
$1,000
$1,000
Approval Time Frame
90 Seconds
Minutes
90 Seconds
Seconds
90 Seconds
15 Seconds
Minutes
5 Minutes
Hours
Minutes
4 Minutes
APR (Annual Percentage Rate)
36-615%
35-267%
36-615%
36-360%
36-615%
34-95%
506-1303%
110-1171%
36-615%
608-1564%
390%
Cost of Credit per $100 Loan (14 Days)
$2-$24
$2-11
$2-$24
$2-14
$2-$24
$2-4
$25
$13-26
$2-$24
$30
$15
Cash Advances
Loan Cancellation Option
 
Multiple Loan Qualification
 
 
 
 
 
 
 
Second Application Wait Time
Same Day
Next Day
Same multiple loans out at the same time.e Day
2-3 Days
Depends on Lender
 
 
2 Days
 
5-6 Days
 
Service Features
Service Online Since
2005
2003
2005
2002
2005
2012
2000
2004
2003
1999
2008
Location of Lender
Scottsdale, Arizona
Chicago, Illinois
Scottsdale, Arizona
Fort Worth, Texas
Scottsdale, Arizona
Chicago, Illinois
Costa Rica
Chicago, Illinois
Wilmington, Delaware
Costa Rica
Chicago, Illinois
Participating States
44
10
43
14
43
17
43
30
43
43
47
Loan Matching Service
 
 
 
 
 
Lending Service
 
 
 
 
 
Privacy Policy & Site Encryption
Direct Deposit - Checking Account
Overnight Deposit
 
 
 
 
 
 
Next Business Day Deposit
Apply by Phone
 
 
 
 
 
 
Faxed Documents Required
 
 
 
 
 
 
 
 
Loan Application Information
Ease of Use
95%
80%
60%
85%
70%
95%
80%
75%
70%
55%
50%
Credit Check
 
 
 
 
 
18+ Years of Age
US Citizen or Permanent Resident
 
Social Security Number
Driver's License
 
 
Home Address
Phone Number
Email Address
Checking Account Information
Monthly Income (After Taxes)
Pay Dates
Current Source of Income
Bankruptcy Disqualification cation
 
 
 
 
Employment Duration Requirement
Depends on Lender
 
30 Days
 
30 Days
 
 
30 Days
 
90 Days
 
Repayment Terms
Maximum Term of Loan
100 Days
3 Years
Depends on Lender
2 Years
100 Days
12-36 months
16 Days
8 Days to 15 Months
14 Days
14 Days
16 Days to 4 Weeks
Various Repayment Options
Electronic Transfer
Fee for Late/Missed Payments
Depends on Lender
No Penalty for Early Payment
Depends on Lender
Depends on Lender
Depends on Lender
Depends on Lender
Extensions/ Renewals
Depends on Lender
Depends on Lender
 
Depends on Lender
Depends on Lender
Help & Support
Phone Support
 
 
Email Support
 
Live Chat Support
 
 
 
 
 
 
 
 
Office Address
 
 
Terms of Use
FAQs