What is the easiest way to get a personal loan? This question is about Personal Loans

What is the easiest way to get a personal loan?

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This question is about Personal Loans

Grace Enfield, Content Writer

@grace_enfield • 05/10/22 This answer was first published on 05/10/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The easiest way to get a personal loan is to fill out an online application for a no credit check personal loan. The specifics of your credit history won’t affect your chances of getting approved for these loans since there’s no hard inquiry when you apply, which makes them easy to qualify for even with bad credit. If you simply have limited experience as a borrower, there are also plenty of personal loans for people with no credit that offer better terms.

The easiest personal loans to get are from 60MonthLoans because you can apply online in minutes and the company does not do a hard inquiry into your credit history. 60MonthLoans offers loans of $2,600 - $10,000 with APRs of 19% - 35.83%.

Easy Personal Loans to Get

60MonthLoans. Loan amounts of $2,600 - $10,000. APRs of 19% - 35.83%. No credit check.
OppLoans by OppFi. Loan amounts of $500 - $4,000. APRs of 59% - 160%. No credit check.
Integra Credit. Loan amounts of $500 - $3,000. APRs of 99% - 300%. No credit check.
NetCredit. Loan amounts of $500 - $10,500. APRs of 34% - 155% (varies by state). Available to people with no credit.
Oportun. Loan amounts of $300 - $15,400. APRs of 10.07% - 35.95%. Available to people with no credit.
RISE. Loan amounts of $500 - $5,000. APRs of 60% - 299%. Available to people with no credit.

If you’re interested in applying, you can estimate your potential rates with our free personal loan pre-qualification tool.

Answer Question

What are the easiest loans to get approved for?

The easiest loans to get approved for are payday loans, car title loans, pawnshop loans and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they’re available to people with bad credit. They’re also very expensive in most cases.

Below, you can compare some of the easiest-to-get personal loans available right now.

Easy Loans to Get Approved For

OppLoans: No credit check. 59% - 160% APR.
60MonthLoans: No...

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What is the easiest bank to get a personal loan from?

The easiest banks to get a personal loan from are USAA and Wells Fargo. USAA does not disclose a minimum credit score requirement, but their website indicates that they consider people with scores below the fair credit range (below 640). So even people with bad credit may be able to qualify.

Wells Fargo normally requires a credit score of 660 for their unsecured personal loans. However, they also offer secured personal loans that are...

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What is the easiest online loan to get?

The easiest online loan to get is a personal loan with no credit check because the lender doesn’t perform a hard inquiry into your credit history. The best no credit check loans are from 60MonthLoans since the company has loan amounts of $2,600 - $10,000, APRs of 19% - 35.83% and payoff periods of 24-60 months.

It’s worth noting that some online personal loan providers will check your credit but still consider people with bad or no credit. There are also other types of online...

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