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Frequently asked questions

Most frequent questions and answers

To apply for a personal loan, each lender has its own set of conditions. Borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a stable income, and have a decent background history are usually the ones they are looking for.

Your debt-to-income ratio, or how much of your monthly income goes toward servicing recurring commitments like rent, car payments, or credit card bills, determines how much you can borrow with a personal loan. For loan approval, many lenders have minimum credit score criteria.

Each lender has its own process of assessing borrowers and deciding rates, The lower the interest rate offered by most lenders, the shorter the loan term; and the higher your credit score and credit report, the better the interest rate you will apply for.

When you fill the form we can know your needs better and connect you to a relevant lender from our network.

When it comes to finalizing your personal loan, you will need to be clear and honest on the submission form, In that way, we can connect you to the most relevant lender who fits your needs.

Be certain to choose the deal that best suits your financial situation.

Longer-term loans have marginally higher interest rates than shorter-term loans. Loans for a shorter period of time, such as a year, have lower interest rates but higher monthly payments.

Personal loans can be used for almost anything.

You can use it for Debt Consolidation, Credit Card Refinancing, Career Development, Vacation, Home Improvement, Wedding Expenses, and more.


For example, assume you get a $5,000 personal loan with an APR of 7.5%. The loan has a repayment term of 12 months. Using those terms, your monthly payment would be $433.79 and the total interest paid over the life of the loan would be $799.90. Now assume you borrow the same amount but with different loan terms.

How It Works is not a lender and therefore does not make short-term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

You can register online using any computer or mobile device. The method is extremely fast because it takes place in real-time. If you are paired with a lender, you will receive an offer from that lender outlining the loan’s terms and conditions. If you accept the conditions (which you can do), the money will be in your account as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • You must be at least 18 years old to participate.
  • Valid checking or savings account with direct deposit.
  • Must be a Decision maker, owner or partner in the company.
  • In business for at least 6 months.
  • Minimum regular income of $1,000 per month.
  • Credit score 500+

Material disclosure

APR Disclosure. Certain states laws limit the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 35.99% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost, and term of your loan, repayment amounts, and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. Lending For is an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products that are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions, or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments, and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont, and West Virginia are not eligible to use this website or service. The states serviced by this Website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing, and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. Short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks, and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

Personal loan offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on LendingFor 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, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please email us at An example of the total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36-month life of the loan.

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