PERSONAL INSTALLMENT LOANS $1000 - $5,000
THE PROCESS IS SIMPLE!
At rapidloansdirect, finding a loan is just one click and minutes away. We connect people who want to get up to $5,000.
Easy 3 Step Process
Our secure, quick and easy referral form makes it easier than ever to find a lender!
Don’t wait hours or even days, find out within minutes if a lender has approved your loan request!
Get Your Funds
In many cases, you can access your loan as soon as the next business day. Don’t let a cash shortage linger!
APR 4.73% to 36%
Repayment Terms 61 Days to 180 Months
We connect people…Are you looking for an installment or personal loan?
What is a personal loan?
A personal loan is a fixed term loan that can be used for a variety of purposes such as home improvements or vehicle repairs. The terms vary from 1-5 years to 61 days to 180 months. Simply complete some information about yourself and get an answer while you wait! If selected by a lender, they will provide you with detailed loan documents including APR and repayment terms. It’s that simple! Get started now!
What are some of the lender requirements to qualify for a Personal Loan?
- Being at least 18 years of age
- U.S. Citizen
- A steady job or other source of regular income
- A bank account preferably with Direct Deposit (Prepaid Visas are not considered as a bank account)
- Seeking $1,000 or more
What can I use a Personal Loan for
- Unexpected emergencies
- Vehicle Repairs
- Debt Consolidation
- Medical Bills
- Special Events
- Small Business Loans
- Home Improvements
The following disclosures are presented to you pursuant to the terms and conditions of our service agreement with GOOGLE, Inc. They are not required by any federal, state or local laws. They are provided to you as informational services only and may not be construed as legal advice. We are not the lender and do not have access to the full terms of your loan.
The loans provided by our referal sources are term loans for 61 days to 180 months. These types of loans are not a solution if you are facing long term debt and credit difficulties, and should not be used on a long-term basis. You should only borrow an amount that can be repaid within 61 days to 180 months.
The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender must show you the APR before you enter into the loan. States have laws limiting the APR that the lender can charge you. Offers provided to consumers who originated via a paid Google advertisement feature rate quotes of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history and will be agreed upon between you and the lender. Be sure to read the disclosures given to you by the lender carefully before you agree to the loan. Please be sure your lender gives you – and you understand - the APR along with the other terms of your loan before you sign their agreement.
Those agencies that we refer to may verify your social security number, driver's license number, national ID, or any other state or federal identification and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. If they do, please know that this may lower your credit score. Some of our referral sources will not perform credit checks with the three major credit reporting bureaus. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By providing us with your information and seeking a referral, you agree to allow our referral source to verify your information and check your credit as described in their policies and terms.
Each of our referral sources including our direct referral to a lender has their own renewal policy. Some will automatically renew your loans or will require your permission to renew your loan. Some will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if the lender you accept for the loan automatically renews loans or requires your permission to renew the loan or will not renew. State laws often govern loan renewal policies. Some sources are not governed by state laws. Be sure to know if your lender is governed by state law; and your state’s policies in regard to the loan renewal provisions. Again, carefully read the lender's terms before agreeing to and submitting your e-signature.
Lenders have their own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that lenders must follow when assessing fees for late payments. Be sure to find out if your lender is governed by state law and if not what their policy is regarding late payments.
If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:
- Not contacting you by phone before 8 am or after 9 pm.
- Not harassing you or using abusive language towards you over the phone.
- Not using deception to try to collect money from you.
- Not threatening you with legal action if it is not permitted.
* RapidLoansDirect.com is not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments. Example Representative APRs have been provided some but not all of our referral sources, however even these are subject to change and could be higher or lower based on the lenders criteria and your credit worthiness. Please review the loan terms provided by your lender.
rapidloansdirect.com is not a lender, therefore we are unable to provide an exact APR that may be offered. Participating lenders will offer loan terms from 61 days up to 60 months starting at just 4.73% APR and a maximum APR of 35.99% for those who qualify and are approved for a loan. Please be sure to read all loan documents provided by the lender as those will clearly state all the associated fees and APR.
Representative Examples of Loan Cost & APR
Example: $2,000 loan amount over a 3-month term with a 2.79% origination fee would cost $671.93 on a monthly basis. The total cost of the loan including APR and the origination fee would be $2,071.59. Terms vary based on the lender, credit worthiness and information you provide to the lender.
|Loan Amount Cost||Loan Term||Fee||Fee Amount||APR Range||Monthly Payment||Total Repayment|
|$2,000||3 months||2.79%||$55.80||4.73%-35.99%||$671.93 - $707.05||$2,071.59 - $2,176.95|
|$5,000||12 months||3.02%||$151.00||4.73%-35.99%||$427.42 - $502.29||$5,280.03 - $6,178.43|
|$7,000||24 months||4.99%||$349.30||4.73%-35.99%||$306.25 - $413.29||$7,699.40 - $10,268.38|
How It Works
RapidLoansDirect.com offers a personal approach to helping you find a lender.
Rapidloansdirect.com will attempt to connect you with a lender based on the criteria you have provided, even if you have a poor credit rating.
Here's how it works:
- Step 1 - Select Credit Score, Reason for Loan and Monthly Income.
- Step 2 - Complete a short, safe & secure form
- Step 3 - If your request should meet set the requirements, your information will be shared in an attempt to obtain a loan.
- Step 4 - If connected to a lender, rapidloansdirect.com will send you to the lenders’s website which will provide the details of the loan including loan amount, repayment terms, and APR prior to making any commitment.
Please review all the loan documents carefully and make sure you understand the terms of the loan being offered. If you do not agree with those terms, simply decline the loan without any penalty. If you agree to the terms, simply follow the instructions provided by the lender. It's that easy!
Frequently Asked Questions About rapidloansdirect.com
- What is a Personal Loan?
- What are the fees?
- Can I qualify for a Personal Loan?
- How much money can I obtain from a personal loan?
- Why do you ask for my bank information before I am approved?
- How do you protect my information?
- What happens if I am late on a payment or need to skip a payment?
- How and when do I repay the loan?
- What is the APR?
Fees and Interest
There is no charge for our services. The lender is required by federal law to present to you the terms of the loan, the rates and all costs associated with the loan prior to your executing the loan documents. Please review these carefully. At no time are you required to enter into a loan that you do not understand the terms, costs and rates or any other part of the loan documents. Please feel free to exit the process at any time as you are under no obligation to accept the loan presented.