How to get a personal loan? What do I need to get a... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » How to get a personal loan? What do I need to get a personal loan?

How to get a personal loan? What do I need to get a personal loan?

Answered on | Updated on April 20th, 2018
The content is accurate at the time of publication and is subject to change.

Personal loans are offered to people with any credit history and credit score. You can apply for a loan in person at the nearest lender. Or you can go online and apply for a personal loan online, which is an easier and more convenient way. When applying for a personal loan online, you should meet the following requirements:

– you should be at least 18 years old;
– you should provide proof of citizenship (Social Security Number or legal residency);
– you should have a regular income of any type;
– you should have a checking account;
– you should provide work and home telephone numbers; and
– you should provide a valid email address.

This least of requirements may vary from lender to lender, but all in all, it’s pretty much the same. When you fill out an online application, a lender will offer you loan terms based on your creditworthiness. You can accept them or you can continue your search. If you accept an offer and agree to the lender’s terms, loan funds will be deposited to your checking account via direct deposit. It usually takes two business days to receive money.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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