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How Soon Can I Get My Loan?
Loans in most cases you can get the next business day. But it can take up to one to two business days to process everything. It also depends on your bank account and how your bank receives transfers. So you need to plan ahead of time when it comes to taking out a loan.
Next Day Funding - Instant Decision
Our lenders have an instant approval process when it comes to loans! We have been in this business for a very long time and our lenders are very fast when it comes to processing loans online. Online loans is something that we specialize in. There are rare case when someone is not approved for a loan.
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Simply apply and they will take care of the rest! Our process is better than looking for near me locations. You don’t need to leave the couch, just pop open the laptop and you can apply.
Loans From $500 – $35,000!
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The process is very easy and simple when you apply for a loan online. You need an active checking account and our lenders will direct deposit the funds directly into your bank account. Yes its that easy and fast! Our lenders also help you to avoid late fees by explaining the process in details to you.
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Once you are approved for your loan. The loan amount will be directly deposited into your bank account. Please check your email for notices about your loan.
How do you know if My Personal Loan USA is the right choice for you :
Why people choose our lenders when it comes to getting a loan
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Important Information & Disclosures
APR Disclosure & Range Information
ANNUAL PERCENTAGE RATE (APR) IS A MEASURE OF THE COST OF CREDIT, EXPRESSED AS A NOMINAL YEARLY RATE. IT RELATES TO THE AMOUNT AND TIMING OF VALUE RECEIVED BY THE CONSUMER TO THE AMOUNT AND TIMING OF PAYMENTS MADE. onlinepersonalloansusa CANNOT GUARANTEE ANY APR SINCE WE ARE NOT A LENDER OURSELVES. ANNUAL PERCENTAGE RATES (APR) START FROM 5.99% UP TO A MAXIMUM OF 35.99%. PERSONAL LOANS HAVE A 61-DAY MINIMUM REPAYMENT PERIOD AND A 72-MONTH MAXIMUM REPAYMENT PERIOD. BEFORE ACCEPTING A LOAN FROM A LENDER WITHIN OUR NETWORK, PLEASE READ THE LOAN AGREEMENT CAREFULLY AS THE APR AND REPAYMENT TERMS MAY DIFFER FROM WHAT IS LISTED ON THIS SITE.
Representative Examples For APR, Total Loan Costs & All Applicable Fees
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
| Interest Rate | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Fee | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Repayment | $94.56 | $100.82 | $131.67 | $202.28 |
| APR | 29.82% | 24.12% | 18.23% | 9.20% |
| Total Payments | $1,134.72 | $2,419.68 | $6,320.12 | $12,136.80 |
| Total Costs | $164.72 | $519.68 | $1,720.12 | $3,136.80 |
Renewal Policy
LENDERS HAVE UNIQUE RENEWAL POLICIES. SOME OF THEM HAVE AUTOMATICALLY RENEW OR “ROLL-OVER” FEATURES. THESE CONVENIENCES OFTEN COME AT AN ADDITIONAL FEE. PLEASE ASK THE LENDER YOU WERE CONNECTED WITH FOR THEIR RENEWAL POLICY. AGAIN, IT IS VITAL TO READ THROUGH THE ENTIRE LOAN AGREEMENT AND DISCLOSURES TO MAKE SURE YOU ARE COMFORTABLE WITH THEIR TERMS BEFORE ACCEPTING THE LOAN.
Late, Partial, or Non-Payments and Collections
THOUGH EACH LENDER MUST OPERATE WITHIN THE STATE LAWS THAT GOVERN THEM, THEY HAVE THEIR RESPECTIVE APPROACHES TO HANDLING LATE PAYMENTS. A LOAN IS AN AGREEMENT BETWEEN YOU AND THE LENDER TO FULLY REPAY THE LOAN BY THE TIME AGREED. DEPENDING ON YOUR AGREEMENT WITH YOUR LENDER, IF YOU ARE LATE FOR THE AGREED PAYMENT, A LENDER MAY ADD FEES, SEND TO A COLLECTIONS AGENCY, REPORT YOUR LATE, PARTIAL OR NON-PAYMENT TO A CONSUMER REPORTING AGENCY. THESE POLICIES CHANGE PER LENDER, SO PLEASE MAKE SURE TO CONSULT YOUR LENDER TO FIND THEIR RESPECTIVE POLICIES.
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811 Main St
Houston, TX 77002
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contact@onlinepersonalloansusa.com
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Representative Example
These are just examples:
If you borrowed $2,000 over a 12 month period and the loan had a 3% arrangement fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR.
If you borrowed $5,000 over a 48 month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. onlinepersonalloansusa.com is not a lender or lending partner and does not make loan or credit decisions. onlinepersonalloansusa.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. onlinepersonalloansusa.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. onlinepersonalloansusa.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, onlinepersonalloansusa.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where onlinepersonalloansusa.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing onlinepersonalloansusa.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize onlinepersonalloansusa.com to share your information and credit history with a network of approved lenders and lending partners.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. onlinepersonalloansusa.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.