One amount, a set schedule
You borrow one lump sum and pay it back in installments over an agreed period. Your offer should show the payment, due dates, APR, fees, and total repayment before you sign.
Personal loans
Money for the bit in between.
A repair, a move, an awkward bill—whatever brought you here, start with the amount and take it one step at a time.
1Choose your amount
$200–$50,000Request range
A few minutesTypical form time
$0Fintara fee
2What is a personal installment loan?
Usually no collateral
Many personal loans are unsecured, so you do not pledge a car or home. Some are secured, so check the agreement rather than assuming.
The Consumer Financial Protection Bureau’s explanation of personal installment loans is a useful plain-English primer.
3How does the online request work?
Choose what you need
Start between $200 and $50,000. Ask for enough to solve the problem, not simply the most available.
Complete one online form
Share identity, income, work, and banking details in the secure partner form. It normally takes a few minutes.
Check any option carefully
A lender may present terms after reviewing your information. Read the APR, fees, payments, and total cost.
Say yes—or do not
There is no Fintara fee for declining. If you accept, the lender handles the money, payments, and account.
4What does a lender look at?
Income and your bank account
Steady income and an active checking account matter. The network’s basic income threshold is $1,000 a month before tax, although larger requests may need stronger income.
Check the basic requirementsYour credit history
There is no single network-wide minimum score. Some lenders put more weight on recent income and banking activity, leaving room for poor, fair, or limited credit.
Soft and hard checks
Initial matching may use a soft inquiry that generally does not affect your score. A lender may make a hard inquiry after you decide to continue.
No guaranteed approval
A quick decision is possible, but nobody legitimate can promise approval before reviewing your information. Be wary of anyone who does.
5What can the money cover?
Car repairs
When getting to work cannot wait for the next savings goal.
Home repairs
For an appliance, leak, or other fix that has become urgent.
Medical bills
After checking insurance corrections, discounts, and provider payment plans.
Moving costs
Deposits, transport, and the one-off costs that pile up during a move.
Debt consolidation
When the new total cost and payment plan improve on what you have now.
Other life stuff
A planned or unexpected expense that does not fit this month’s budget.
6How much will it cost?
Start with APR
APR is the yearly cost measure and can include interest plus certain fees. It is useful for comparing offers, but it is not the only number to check.
Make sense of rates and feesThen check the total
Write down the cash you receive, every payment, the due dates, and the total of all payments. A smaller monthly number can cost more when the term is longer.
The 30-second offer check
- What APR and fees are listed?
- How much reaches your account?
- Can the payment fit alongside essentials?
- What is the total repayment?
- What happens if a payment is late?
The CFPB also explains fees that may appear on personal installment loans.
7How fast could funding be?
Sometimes the same or next business day
Some lenders can move quickly after approval and acceptance. Bank cut-off times, verification, weekends, and holidays can push funding out by a day or two.
Have a few things ready
Identity details, income and employment information, a checking account, and any requested pay stubs or bank statements can help avoid delays.
8Keep scams out of it
Do not pay upfront for a promise of approval.
A scammer may call it a processing, insurance, or release fee. The Federal Trade Commission lists the warning signs of advance-fee loan scams.
Compare the non-loan option too
A provider payment plan, moved due date, credit-union product, or local assistance program may cost less. It is worth checking before you commit.
9Personal loan questions
How much can I request?
You can request between $200 and $50,000. The amount a lender may offer can be different, and some requests may not receive an offer.
How long does it take to get started?
The online request usually takes a few minutes if you have your details ready. A lender may need extra documents before making a final decision.
How fast could the money arrive?
Some lenders may fund as soon as the same or next business day after approval and acceptance. Timing depends on verification, the lender, your bank, weekends, and holidays. Same-day funding is never guaranteed and may sometimes require local pickup.
Will checking options affect my credit score?
The initial matching step may use a soft credit inquiry, which generally does not affect your score. A lender may run a hard inquiry after you choose to continue, and that can affect your score. Read the consent text before submitting.
Can I apply with bad or limited credit?
Yes, if you meet the basic requirements. Lenders may look at income and banking activity as well as credit history. Each lender makes its own decision, so approval is not guaranteed.
What do I need to get started?
You generally need to be 18 or older, live in an available U.S. state, have a valid checking account, receive steady income, and earn at least $1,000 per month before tax.
What information should I have ready?
Have your contact and identity details, income and employment information, and checking-account details ready. A lender may also ask for pay stubs or bank statements. Enter sensitive details only in the secure partner form.
What can I use a personal loan for?
Common reasons include car or home repairs, medical costs, moving expenses, bills, debt consolidation, and other planned or unexpected expenses. The lender agreement may limit how funds can be used.
Will I need a co-signer?
Usually not, but it depends on the lender and the loan. If a co-signer is needed, that should be made clear before you continue.
What if I do not like the offer?
Say no. You are not required to accept an offer, and Fintara does not charge you for walking away. Check the APR, fees, payment dates, and total repayment before deciding.