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Checking rates does not affect your FICO® Scores*.

Why Choose Us?

We are a lender matching service with over 15 years experience in helping people of most credit situations locate the right personal loans for their needs. As a result of our longevity, we’ve developed a reputation with both lenders and consumers as providing a reputable, trustworthy service, allowing us to grow direct, unique relationships with some of the top loan providers in the personal loan industry while building much of our business via referrals from past applicants. We've got over 860 user reviews, with a 9.4/5-star rating on TrustPilot, a premier online review source. Check out testimonials from some of our satisfied clients.

Streamlined Process.
We simplify the personal loan process by providing multiple, no obligation rate quotes with no impact to your FICO scores®*, in one place, so you don't have to spend hours looking yourself. The entire process from form submission, obtaining and accepting rate quotes to having your loan fund is often 48 hours or less. Learn more about our service and how it works.

Get Matched With The Right Lenders.
Our service utilizes sophisticated technology, instantly attempting to match your request to loan providers that are looking for borrowers of similar credit ratings and situations. The lenders we work with are all personal loan lenders; offering APRs between 5.99% and no more than 35.99%, for loans ranging from $1,000 to $35,000, with repayment periods of 12 to 72 months. The actual loan amount, term, and APR amount that a customer qualifies for may vary based on the lender, credit determination and state law. Minimum loan amounts vary by state.

Total Transparency.
We want to set the expectation when it comes to us assisting those with poor credit. We work with several online lenders that accommodate exclusively towards consumers with poor credit. These providers are going to analyze more than just your credit score and have more flexible requirements than most traditional banks and lenders do. However, it is important to understand that your credit score and history are still going to be taken into account when determining whether or not to extend rates, and ultimately financing to you. And while we do help people of most credit types, we can not help everyone and do not guarantee to be able to. One of the advantages of using our service is that there is no cost for checking to see if you qualify for rates and checking does not affect your FICO® Scores.

Safe, Secure & Confidential.
The transmission of your information is secure and protected by a GeoTrust SSL certificate. Sites secured by GeoTrust SSL certificates are providing 256 bit encryption thereby offering the highest level of encryption and security possible. Also, you will never get any harassing phone calls or emails from us or any of the providers we work with.

You Call The Shots.
You are in no obligation to accept any of the rate quotes our system attempts to provide, or any of the subsequent loan offers presented by any participating lenders. As mentioned, until you actually execute your approving lender's loan documents with your e-signature, you can exit the process at any time.

We Are Here For You.
You can contact us prior to submitting a request with any questions that you may have. We are also available to help you at any stage of your loan process. No question is too big or too small! We will offer you the best customer service we can. We want you to feel comfortable and confident that you have the answers you need and are making the right decisions.

Let Us Educate You.
No matter if you are a first-time borrower, or have utilized online lenders in the past, our 'Borrowing Tips' section contains significant info related to the personal loan process. This info is helpful if you are just doing some research, are considering utilizing our loan matching service for rate quotes, or applying for a loan with any other online provider or even your local bank or credit union. You can learn about the consequences of defaulting. As well as other various topics including loan aspects to avoid, advantages and disadvantages of personal loans and understanding interest rates.


Representative Personal Loan Example
For a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of about $152.18 at a 6.78% APR. Total loan cost would be $5,478.48.

Not all participating lenders charge an origination fee. Below are some more general examples of potential loan costs based on varying amounts, terms and APRs. Available terms, APRs and borrowing amounts vary based on the lender, your credit worthiness and information you provide to the lender.

If approved, each lender will offer a clear explanation of rates and terms, including all applicable fees so that you can make an informed decision as to whether or not you want to accept the offer being presented to you. You are in no obligation whatsoever to accept any offers presented to you. Until execute your loan with your e-signature, you can exit the process at any time. If you have questions regarding your loan, please make sure you ask your lender prior to e-signing your agreement.

24/7 Lending Group is not a lender and does not represent lenders as a loan broker or in any other capacity other than as a loan matching referral service, offering rate quotes. Please note that if you are extended and accept rate quotes, it is not a guarantee that your loan will be funded. Each participating lender has varying underwriting processes that they utilize to determine whether or not to fund your loan.

Loan Amount Loan Term APR Range Monthly Payment Total Repayment
$4,000 12 months 5.99%-35.99% $344.25 - $401.83 $4,131.00 - $4,821.96
$7,000 36 months 5.99%-35.99% $212.92 - $320.59 $7,665.12 - $11,541.24
$9,000 48 months 5.99%-35.99% $211.32 - $356.15 $10,143.36 - $17,095.20

Important Disclosures Regarding Personal Loans
Please review these disclosures carefully so you have a clear understanding as to how personal loans work. If you have any questions, please contact us.

If approved for a loan, each lender is required by the Federal Truth in Lending Act law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.. Please review the fee and rate information provided to you by your lender thoroughly and completely before agreeing to the terms of the loan. Until you e-sign your loan, you are under no obligation to continue with the application process and can exit at anytime if you find a particular lender's loan terms unsuitable, or for any other reason.

Our service will match you with lenders for receiving rate quotes, with no impact to your FICO® scores. Lenders may perform a soft pull of your credit during the rate quote process. Soft credit pulls have no impact to your credit scores or rating. Learn more about the difference between hard credit inquiries and soft credit inquiries. If you are presented with rate quotes and decide to move forward by selecting a rate quote, we will hand you off to that lender for the purpose of you becoming their client, and them attempting to finalize your loan with them. All loans are subject to credit approval. During the process of evaluating your funding request, most loan providers will need to perform a hard credit inquiry. Participating lenders may verify your social security number, national ID, driver's license number, or any other type of federal or state, and review your information against national databases including, but not limited to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. When third parties check your credit score, it can lower your credit score. It is important to understand that having multiple hard credit pulls in a given period of time can adversely affect your credit score and rating. Lenders will always ask for your permission prior to doing a hard or soft credit inquiry. There is no impact to your credit when a soft credit inquiry is performed. Learn more about the difference between hard credit inquiries and soft credit inquiries.

Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender. Be sure that you read and fully understand all of your lender's policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan can not be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details.

All lenders have varying policies regarding late, partial and non-payments. Review the policies for each detailed in the loan documents provided to you by your lender before appending your e-signature, and thereby agreeing to the loan terms. All lenders, however, must abide by applicable laws, rules, and regulations regarding late payment fees. Lenders sometimes will grant borrowers a one-time exception for a late payment. However, if you are late more than once, a lender can add fees, send to a collections agency, and/or report your late, partial, or none payment to a consumer reporting agency with your credit score being adversely affected.

Your credit score is an assigned number that is reflective of your credit value as seen by lenders. A credit score is primarily based on credit report information almost totally sourced from the credit bureaus. As a borrower, it is important that you are aware that your credit score and rating will be negatively impacted if you do not make your payments on time or in full. As a result of not paying your loan timely or in full, not only will your credit score be negatively impacted, achieving approval for other loans and credit cards can become more difficult.

247LendingGroup is not a lender. We do not have any involvement in the debt collecting process. As part of the loan documents your lender will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you communicate those concerns with your potential lender prior to executing your loan documents. We make sure that the lenders that make up our network only utilize fair and reasonable methods when pursuing delinquent accounts.

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