💵 Personal Loans —
Personal Loans —
300+ Lenders, All Credit Scores
One 2-minute application reaches 300+ lenders simultaneously. All credit scores accepted — from 500 to 800+. Rates from 7% APR. Same-day deposit. No hard pull. Apply free right now.
Apply Now — Compare 300+ Lenders Free →
✓ All credit scores · ✓ Rates from 7% APR · ✓ No hard pull · ✓ Same-day deposit
Last updated: · Reviewed by Money247 Editorial Team
A personal loan gives you a lump sum deposited to your bank account — repaid in fixed monthly installments over 12 to 60 months. No collateral. No home equity. No branch visit. Money247.com sends your one application to 300+ lenders simultaneously — all competing to give you the best rate. Every credit score has options. Bad credit from 500. No credit score with income-only lenders. Good credit from 7% APR. Apply free in 2 minutes.
Every Credit Score Has Options at Money247
720+
Excellent Credit
7%–15% APR
✓ Best rates available
670–719
Good Credit
15%–20% APR
✓ Strong approval odds
500–669
Bad / Fair Credit
20%–36% APR
✓ Bad credit specialists
No Score
No Credit History
Income-Based
✓ Income-only lenders
What Can You Use a Personal Loan For?
💳Debt Consolidation
One payment replaces many
🏥Medical Bills
Cover urgent health costs
🚗Car Repair
Back on the road today
🏠Home Improvement
Any project, no equity needed
🚨Emergency Expenses
Any urgent financial need
🎉Major Life Events
Weddings, moving, vacation
📱Large Purchases
Any big ticket item
💵Any Purpose
No restrictions on use
How to Get a Personal Loan — 4 Steps
1
Apply Free in 2 Minutes
One short form on your phone or computer. Soft check only — zero score impact. 300+ lenders receive your application simultaneously the instant you submit.
2
Compare Competing Offers in Minutes
Multiple lenders return real offers with rate, monthly payment, and term. Compare all options side by side with zero score impact before committing to anything.
3
Accept Your Best Offer and E-Sign
Choose the offer that fits your budget and goals. E-sign the agreement from your phone in seconds. No branch visit, no paperwork, no waiting.
4
Funds Deposited — Same Day Available
Apply before 2 PM on a weekday for same-day direct deposit. Often funded in under 4 hours. Money in your account — ready to use for any purpose.
Personal Loan Rates by Credit Score — 2026
720+ Excellent7%–15%~$309/mo
670–719 Good15%–20%~$349/mo
580–669 Fair20%–29%~$372/mo
500–579 Bad ✓29%–36%~$440/mo
No Score ✓Income-BasedVaries
Key Facts — Personal Loans at Money247
300+Lenders competing for your application
7–36%APR range — all credit scores covered
Same DayDeposit — apply before 2 PM weekday
$500–$50KLoan amounts available
Best Personal Loan Lenders —
⭐ #1 Best Personal Loan — Money247 Network
Money247 — All Scores, 300+ Lenders
Best OverallAll Credit ScoresLowest Rate
7–36%APR Range
$50KMax Loan
Same DayDeposit
Why it's #1: One 2-minute application reaches 300+ lenders — excellent credit, good credit, bad credit, and income-only all compete simultaneously. The lender competition drives your rate down. Soft check only — zero score impact while you compare every offer. Same-day deposit. Fixed rate and payment. Builds your credit score every month. No application fee ever.
All credit scores accepted
Rates from 7% APR
300+ lenders competing
Soft check — zero impact
Same-day deposit available
$500 to $50,000
Builds credit score monthly
All 50 states served
Apply Now — Compare 300+ Lenders Free →
🥈 #2 Best — Bad Credit, Scores from 500
Bad Credit Personal Loans — 500+ Score
500+ ScoreSame Day
500+Min Score
$25KMax Loan
Same DayDeposit
Why it's #2: Bad credit specialists accepting scores as low as 500. Income heavily weighted — higher income can qualify you for lower rates regardless of score. Same-day deposit. Builds credit score with every on-time payment. The best personal loan option for borrowers with scores below 580.
Scores from 500 accepted
Income heavily weighted
Same-day deposit
Builds credit score
Apply — Bad Credit Personal Loan →
🥉 #3 Best — No Score, Income-Only
Income-Only Personal Loan — No Min Score
No Min ScoreIncome-Based
NoneMin Score
$10KMax Loan
Same DayDeposit
Why it's #3: For borrowers with no credit history or scores too low for any standard lender — bank deposit history is the only criteria. No minimum score. No credit check. Any regular income deposits qualify. Highest approval rate personal loan available.
No credit score required
Bank deposits as only criteria
Highest approval rate
Same-day deposit available
Apply — No Score Personal Loan →
Frequently Asked Questions
What is a personal loan?+
A personal loan is an unsecured fixed-rate installment loan repaid in equal monthly payments over 12 to 60 months. You receive a lump sum deposited to your bank account and repay at a fixed rate — no collateral, no home equity, no branch visit required. Money247.com connects borrowers with 300+ personal loan lenders accepting all credit scores.
How do I get a personal loan?+
Apply at Money247.com in 2 minutes. One application reaches 300+ lenders simultaneously. Competing offers arrive in minutes. Accept your best offer and e-sign from your phone. Same-day deposit available before 2 PM on a weekday. Bad credit OK from 500. Income-only with no minimum score also available.
What credit score do I need for a personal loan?+
Money247.com accepts all credit scores. Bad credit lenders accept scores as low as 500. Income-only lenders have no minimum score — bank deposit history is the only criteria. The higher your score the lower your rate, but every score range has options. Apply free with a soft check to see every option available to your specific score.
Will applying affect my credit score?+
No. Checking your rate at Money247.com uses only a soft credit inquiry which does NOT affect your credit score.
Apply for a Personal Loan — Free, 2 Minutes
300+ lenders. All credit scores. Rates from 7% APR. Same-day deposit. Soft check only. No application fee. Apply free in 2 minutes right now.
Apply Free — Compare 300+ Lenders →
Popular Loan Topics
Disclaimer: Money247.com is a loan matching service, not a direct lender. Loan approval is not guaranteed. Rates and terms vary by lender and applicant profile.
Your Personal Loan Is
2 Minutes Away
300+ lenders competing. All credit scores. Rates from 7% APR. Same-day deposit. No hard pull. No application fee. Apply free right now.
Apply Now — Compare 300+ Lenders Free →
By clicking you agree to our Terms of Use and Privacy Policy. Money247.com is a loan matching service, not a direct lender. Loan approval is not guaranteed.