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Personal Loans | $1000-$10,000



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APR Rates range from 3.84% to 35.99%
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Frequently Asked Questions about lenders-direct.com

What is a Personal Loan?

A personal loan is a fixed term loan that can be used for a multitude of purposes ranging from home improvements to vehicle repairs. By electing service from lenders-direct.com, we can help connect you to companies who are able to get you the money you need, when you need it most! Simply fill out the online form, a process that takes just a few short minutes and get an answer almost immediately! lenders-direct.com can help get you on your way to a small-sized loan up to a max loan size of up to $10,000. The money will be on its way to the bank account you choose. It's that easy!

What are the fees?

There are no fees for our service. The lender is required by federal law to provide you with all the terms of the loan before you agree to accept the loan. If you accept the terms, the cash will be deposited directly into the bank account you chose. If you do not accept the terms and decline the loan, you will not be penalized.

Can I qualify for a personal loan?

While individual lender requirements may vary, the basic requirements for a Personal Loan are:

  • Being at least 18 years of age
  • U.S. Citizen
  • Preferably a steady job or other source of regular income, such as Self-Employed, SSI, Disability, Pension
  • A bank account preferably with Direct Deposit
  • Seeking small-sized loans up to a max of $10,000
  • We can work with most credit types.

If you meet this criteria, you are qualified to apply. We work with a large network of lenders who may be able to offer a loan even if you have bad credit, no credit or have filed for bankruptcy in the past.

How much money can I obtain from a Personal Loan?

You can borrow small-sized loans to a maximum amount of up to $10,000!

How do you protect my information?

Your privacy and security are of the utmost importance to lenders-direct.com! Our site offers encryption technology that allows you to use lenders-direct.com with confidence. See our privacy policy for further details about our security.

What happens if I am late on a payment or need to skip a payment?

Most lenders apply a late fee for missing the loan payment deadline or asking to skip a payment. The type of fee is provided by the lender before you are asked to digitally sign a loan agreement. Please read these carefully before accepting the terms of the loan. Additional fees may apply so please read the terms of the loan prior to acceptance.

How and when do I repay the loan?

Most lenders have the agreed upon amount deducted directly from your account by the lender with whom you have an agreement on the date and time specified in your loan agreement.

What is the APR?

The FEES and APR INTEREST RATES you will be charged for the loan are provided to you in a written document by the lender after they finalize and acceptance your application and before you are requested to digitally sign a loan agreement. If you are accepted the APR and FEES will be provided to you in a written document that you should review carefully before you are asked to sign any loan agreement. If we cannot find a Lender to help you, there is no cost to you at all.

Can I use the loan for...?

You Can Use Your Loan for Almost Any Purpose
You're free to use the cash from your personal loan in a wide variety of ways to enhance your life or business, such as:

Debt Consolidation Loans - Free yourself from credit card debt
Home Improvement Loans - Remodel your kitchen or bathroom
Personal Loans for Business Use - Grow or start your small business
Auto & Vehicle Loans - Get a new or used car, truck or motorcycle
Short Term & Bridge Loans - With no prepayment penalties
Green Loans - Financing for environmentally friendly projects

Do I have to have a job? (I collect Federal Benefits)

We can refer you to lenders who will consider: Employed, Self-Employed, Social Security Income (SSI), Disability Income, and Pension Income.

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This website assists consumers in locating a lender and/or lending partner. We are not a lender and/or lending partner or broker of loans and we do not take loan applications. Instead, we take referral information and make referrals to lenders and/or lending partners or networks of lenders and/or lending partners. Personal Loan amounts vary from $1,000 to $10,000.00. Not all lenders and/or lending partners can provide up to $10,000.00 and not all referrals are accepted. For those consumers who do not qualify for a Personal Loan, we will refer you to alternative sources. We do not make loans of any type or credit decisions. We are not offering or soliciting you to participate in a loan. This site will refer you to sources including lenders and/or lending partners and networks of lenders and/or lending partners. Providing your information on this Website does not guarantee that you will be approved for a loan of any type. We are not an agent, representative or broker of any lender and/or lending partner and do not endorse or charge you for any loan or related product. Our sources tell us that cash transfer times may vary and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states. Other than the referral, we have no involvement in your application and loan process. For details, questions or concerns regarding your application or loan, please contact your lender and/or lending partner directly. Our referrals are seeking individuals who wish to have short term financing to solve immediate cash needs. Our referrals should not be considered or used as a long term solution. lenders and/or lending partners may or may not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. lenders and/or lending partners may perform alternative credit checks or consumer reports through alternative providers. By submitting your request for a referral, you are authorizing our referral sources including lenders and/or lending partners to independently verify the information you submitted and your credit worthiness. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited.


Advertising Disclosure: The loan offers that appear on this site are from companies from which lenders-direct.com receives compensation. This compensation may impact how and where products appear on this site. lenders-direct.com does not include all lenders or loan offers available in the marketplace.


Representative Example: If you borrow $5,000 on a 3 year repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24.


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