Helping you borrow what's right for you
Loans between $250 and $5,000 spread from 3 to 60 months with a decision in 60 seconds*
Representative 18.23% APR
*Average time per customer (Checking your rate won’t affect your credit score)
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A personal loan in minutes
Who likes waiting? We make applying for a personal loan fast, easy, and surprisingly pain-free.
How can it help me?
We exist to help our customers find the loans and finances they need, when they need them most.
Check if you’re eligible
Unlike other companies, we don’t ask for your entire life history when you complete your loan application.
Not sure if you’ll be accepted?
Use our Eligibility Checker to see if you can get your chosen loan
No effect to your credit rating
This is a completely free service
Only takes 60 seconds
Your no obligation quote and APR will be based on your personal circumstances
we compare small loans from over 40 lenders to get you the lowest APR possible for you. There are no fees for our service.
Our application and decision process
Simply click "REQUEST FUNDS" anywhere on our site, and you will be taken to a short application form. Please enter all information carefully, as this will affect our lenders's decision to lend. Upon submission, we will contact our carefully selected panel of lenders behind the scenes, to find a member to accept you as their customer. This process takes on average 3 minutes to complete, so whilst it may look like we're stuck, please be patient to allow our search to successfully complete - we will get there!
What happens if we don't find a lender?
We are constantly working to grow our panel of lenders, to give you the very best chance of being accepted. However there are times when none of our lenders accept an application, though this is rare. Usually if this happens, we will present you with a credit report offer, which is designed to help you take control of what may be preventing you from obtaining a loan. We may also present you with alternative lending products that may be of interest, but don't worry, if you're not interested, please just walk away - we tried our best!
Once accepted, review the loan offer
If one of the members of our lending panel accept your application - congratulations - we will redirect your application straight to their offer. You will then complete the remaining few pieces of information required on the lender's website. We have designed our system to be as efficient as possible, and therefore we don't ask for any card details, that may be required by a lender for repayment. Please remember, there is no obligation for you to commit to any loan offer we find you from one of our lenders.
If everything looks good, accept and get funded
If you're pleased with the loan terms you're shown on the lender's website, then simply finalised all steps on their page, to get funded. Please be careful to check the lender's terms and conditions, including repayment terms, late payment charges, and so on, before committing. Most lenders that we work with can fund you either the same day, or the next day. The funds will be deposited straight in to the bank account you provide to us, so sit back, and let us do the hard work.
APR Disclosure and Examples
247-lending.com is not a direct lender. Therefore we have no control over the APR our panel of lenders offer. However we want our customers to have a good idea of what qualifying customers may be offered - a range of 4.95% to 35.95%. Repayment terms range from periods of 61 days. The loan amount, APR and repayment term any lender may offer you will vary depending on your credit rating, state, and lender criteria. This is something out of our control, and why we always suggest you read the lender's terms and conditions carefully.
APR Examples
Loan Amount | Interest Rate | Loan Term | Fee | Fee Cost | Repayment | APR | Total Repayments | Total Cost |
|---|---|---|---|---|---|---|---|---|
1,000 | 24.00% | 12 months | 3.00% | $30.00 | $94.56 | 29.82% | $1,134.72 | $164.72 |
2,000 | 19.00% | 24 months | 5.00% | $100.00 | $100.82 | 24.12% | $2,419.68 | $519.68 |
5,000 | 13.00% | 48 months | 8.00% | $400.00 | $131.67 | 18.23% | $6,320.12 | $1720.12 |
10,000 | 7.90% | 60 months | 10.00% | $1000.00 | $202.28 | 9.20% | $12,136.80 | $3,136.80 |
Loan Amount | 1,000 | 5,000 |
|---|---|---|
Interest Rate | 24.00% | 13.00% |
Loan Term | 12 months | 48 months |
Fee | 3.00% | 8.00% |
Fee Cost | $30.00 | $400.00 |
Repayment | $94.56 | $131.67 |
APR | 29.82% | 18.23% |
Total Repayments | $1,134.72 | $6,320.12 |
Total Cost | $164.72 | $1720.12 |
Representative Example for Qualified Customers
If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back 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.
Every lender has its own APR, renewal policy, payment and other terms of the loan which may differ between lenders. You should review your lender's documents for further information before signing the loan agreement. If you make late payments or do not make payment, this will result in additional fees and/or collection activities. Be sure to review the loan agreement for further information before signing. We do not represent the entirety of lenders available and there is no requirement for you to agree with any terms that are not right for you. Please borrow responsibly as short term loans are meant only for short term needs.
Not all lenders can provide the same amounts for loans. Cash transfer times may vary between lenders. In some circumstances faxing may be required. In all circumstances, the lender will verify your information through a credit agency. Again, there is no guarantee that you will be approved for a loan or that the terms of the loan will be right for you. By using the website or services, you represent and warrant that you are at least 18 years old, a resident of the United States.
We are not a lender, broker or agent of any lender, or financial advisor. We do not make loan or credit decisions and we do not implicitly or explicitly endorse any lender. When you register your information on our Website, we provide that information to networks of lenders and some direct lenders only. You are not providing an application. Only a lender can take an application from you and make representations regarding their loans. This website is compensated by companies in exchange for placement on this website or where the user is redirected. This may impact how or where the user is directed and this website does not include all companies or available products.