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Frequently Asked
Questions

When applying for a loan, you may have questions about the process or requirements. To make it easier, we've compiled answers to the most frequently asked questions

A personal loan is a way for an individual to receive up to $5,000 in funding. It is a loan that can be used for home enhancements, luxury item purchases, vehicle repairs or large purchases. The length of the loan is called the term and can range all the way up to 180 days, depending on the lender. Our simple online form does not contain any long questions. Instead, it asks for your basic information and a location for where you would like the loan to be sent to. It is that easy!

  • Must be at least 18 years old.
  • Must be a U.S. citizen or permanent resident.
  • Currently employed or receive steady income.
  • Have a bank account to receive the funds ideally with direct deposit.

LoanHelper services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.

Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. LoanHelper cannot guarantee any APR since we are not a lender ourselves. Annual Percentage Rates (APR) start from 5.99% up to a maximum of 35.99%. Personal loans have a 91-day minimum repayment period and a 72-month maximum repayment period. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.

Please check the loan agreement from your lender for specifics on this, as each loan may vary.

We take privacy seriously, so we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also look at our privacy policy for more details on this.

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LoanHelper.online (the "website") is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions. You must be at least 18 years old, must be a U.S. citizen, currently employed or receive steady income, have a bank account to receive the funds, ideally with direct deposit.

The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $500 and $5,000 but not all lenders can provide up to $5,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product.

The loan amount chosen may be adjusted based on qualified loan requests. The percentage displayed is influenced by several factors, such as the time and date of submission, the availability of lenders or offers, the frequency of your requests, and whether you are a first-time applicant. Please note that each submission is considered individually. Additionally, if you have submitted more than once within the past 30 days, the percentage may decrease significantly.

Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution.

This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers such as Clarity. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity to evaluate your creditworthiness.