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Sign up now for a personal loan!

Installment Loan programs for people with good and bad credit!
Apply for your loan in minutes. Fast approvals!
Flexible repayment terms and competitive rates.
Funds can be direct deposited if you qualify.
Sign up using our secure form.

Personal Loan Types Available

Below are the different types of loans offered by our participating lenders.

  • Unsecured Loan

  • Installment Loan

  • Business Loan

  • Auto Loan

Loan Fees and Repayment

Below are the fees and terms offered by our participating lenders.

  • Repayment Period Range: 61 days to 5 years (Your loan offer repayment period will be greater than 60 days)

  • Loans Rates: Rates do not exceed 35.99% APR (APR includes all fees associated with the personal loan, which represents the total cost of the loan)

  • Applicable Loan Fees: Your loan offer will include interest and may include origination fees. initiation or late fees, and other fees. (The APR provided to you will be inclusive of these fees.)

Loan Calculator

Use our simple loan calculator to calculate your monthly payment!

Unsecured Personal Loans for Good and Bad Credit

For over 15 years the team at BetterLoanChoice has been helping people with good and bad credit get approved for personal loans. Our system is fast, safe and secure. Our participating lenders provide loans that can be used for anything! Personal Loans, Debt Consolidation, Business Loans, RVs, Plastic Surgery and anything else that you may need. In some cases, our participating lenders can get you the cash in less than 24 hours. Even if you have bad credit, our process may be able to help get you a loan. Begin now to find out!

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Who are the lenders?

BetterLoanChoice.com is not a lender, we do not make loans and we do not make credit decisions. Instead, we connect you with participating lenders who offer loans. The lenders can offer unsecured or secured personal loans, including auto loans, loans after bankruptcy, medical loans, vacation loans, motorcycle loans, and loans for other needs. Based on certain criteria and the information you provide, we may direct you to different types of participating lenders including peer-to-peer lenders, traditional lenders, and installment lenders.

How do I pay back my loan?

Some, but not all, of our participating lenders can set up automatic loan payments for you. These payments would come directly from your bank account. The benefit of an automatic payment arrangement is that, if the money to cover the payment is in your bank account, your payment will be made whether you remember to make it, which may help to keep you from defaulting and from incurring late payment fees, depending on the terms and conditions established by your lender.

Why do you ask for my credit score? I thought you said no credit check.

We ask you to tell us your credit score because we do not run a credit check on you. A hard credit pull will negatively affect your credit score. A hard credit pull is a specific request made by lender to one (or all) of the 3 major credit bureaus. BetterLoanChoice.com does not conduct a hard pull of your credit. By submitting your information, you are giving express authorization for our participating lenders to conduct a hard pull your credit to make a decision on your loan.

How much money can I borrow?

We connect customers with participating lenders who offer loans of up to $35,000 to customers who meet the highest of credit requirements. Start now to find out the maximum amount any participating lenders with whom you are connected to might offer to you. Our process is secure, easy, and fast!

Can I really get a loan with bad credit?

Yes! While not all customers qualify, some of our participating lenders have designed loan offerings for customers with bad credit. Generally, if you have really bad credit, a credit score less than 500, we will be unable to connect you with a lender that can offer you a loan. If you do obtain a loan, make sure to pay on time and to follow the rules that your lender provides to you – your failure to do so may harm your credit since the information could be given to the credit reporting agencies.

How much does your service cost?

Our services provided by BetterLoanChoice.com are completely free to you. We are paid directly by our participating lenders and through other offers on our website, including the offer to participate in a 7 day trial for credit monitoring for a cost of $1. This is just one example of how we might benefit from you using our website. Once you are approved for a loan, the approving lender will notify you of the rate and of any fees and costs associated with the loan you are being offered. The credit monitoring terms may change so please review the terms of the offer before you sign up.


Our participating lenders offer loan terms below 36% APR. Loan terms vary from 6 months to 60 months (5 years). Origination fees may range from 1% to 6% and is already included in the APR. This fee will be disclosed to you prior to you accepting your loan. On average the fee will be around 5%. For example, a $5,000, 36-month loan at an interest rate of 26% with a 5% origination fee, may cost you at least $2,252 in interest, requiring a total payback amount of $7,262. All fees associated with the loan are required to be disclosed by the lender in terms of APR. Not all lenders operate in all states, and this may affect the terms and interest rate you are provided. If you have any questions regarding the loan you are offered, you may contact the lender directly.

How am I connected with a lender?

BetterLoanChoice connects you with participating lender(s) based on the data you provide. Some lenders may respond to your inquiry based in part on your credit score, your income, your location, and other factors. When you are connected with a lender, you are not obligated to take a loan offer. Being connected to a lender does not guarantee that the lender will offer you a loan.

Representative Loan Examples (Changing Terms)
Amount Term Rate (APR) No. of Payments Monthly Payment
$10,0001 year9.00%12$874.51
$10,0003 years9.00%36$317.99
$10,0005 years9.00%60$207.58
Representative Loan Examples (Changing Rates)
Amount Term Rate (APR) No. of Payments Monthly Payment
$10,0003 years9.00%36$317.99
$10,0003 years16.00%36$351.57
$10,0003 years29.00%36$419.05
* Other fees may apply, always review your loan terms before accepting your loan