Most Americans have bad credit, poor credit or impaired credit. Personal loan lenders, banks and financial institutions all have different conditions, interest rates, and amounts to lend, regardless of credit history. Lenders can change and adjust the terms & conditions of the personal loan to fit the individual requirements of the borrower. Some personal loan lenders never even run a credit report.

With today's lenders, there is no need to let bankruptcy, liens, divorce, charge-offs, etc. to prevent you from receiving a personal loan.

Online personal loan applications offer a fast & secure environment for those who seek simple loan applications offering a quick approval process.

With today's lenders, there is no need to let bankruptcy, liens, divorce, charge-offs, etc. to prevent you from receiving a personal loan.

High Risk Personal Loans

An unsecured personal loan is a loan that requires no collateral. This type of loan is sometimes available to those who present a high risk. The lender is extending the loan to you based on your overall credit worthiness.

An unsecured personal loan can be used for any situation. Balance your monthly budget, take care of emergencies, consolidate bills or simply have extra cash on hand.

Auto Loans & Personal Loans are two of the most popular forms of unsecured loans. Technically, a credit card is an extension of an unsecured loan. A creditor grants a line of credit to use for whatever purpose you choose without requesting collateral from the borrower.

A credit union will usually grant an unsecured personal loan if the borrower can show a steady employment history.

Determining the above factors before you apply for a personal loan will assist in quickly qualifying for a personal loan program that is right for you.

Whether you have excellent credit, no credit, bad credit or are rebuilding your credit after a bankruptcy, there are lenders who can assist you with your personal loan needs.