Personal loans are loans that don't require any collateral. Online US loans can offer loans up to $50,000 with the term being decided by the lender. Personal loans can be spent on anything you wish.

To qualify for a personal loan through Online US Loans, you typically need to be a U.S. citizen or resident, be at least 18 years old, have a valid bank account, and provide proof of income. Lenders may have specific eligibility criteria, so it's important to review their requirements when you apply.

The approval process varies depending on the lender you choose. Many lenders in our network offer fast approvals, with some providing instant decisions. Once approved, you can often expect to receive your funds within a few business days, but the exact timing may vary.

No, Online US Loans provides its loan matching service to consumers for free. We don't charge any fees for connecting you with lenders in our network. You'll only be responsible for the fees and interest associated with the loan if you decide to accept an offer from a lender.

Yes, many borrowers use personal loans for debt consolidation. By taking out a personal loan, you can pay off existing high-interest debts, like credit cards, and consolidate them into a single, more manageable monthly payment with a potentially lower interest rate.

Yes, we work with lenders who accept applicants with poor or no credit history. Accepting a loan offer can help boost your credit when repaid on time. However, it's important you ensure you can meet repayment obligations as missed payments can further negatively impact your credit score.