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Best Places to Find Personal Loans Near Me

All different types of personal loans are available near me ranging from banks to credit unions and online lenders. The main difference between conducting my business online and in-person is the latter offers a more human and personalized touch. In any case, when I search for loans near me, I always compared offerings from multiple lenders to ensure the lowest interest rate is provided.

Borrowers with credit falling between good and excellent (above 690) have the most options regarding loans. Those with lower credit, average or bad, are viewed by borrowers as higher risks but there are loan options out there for every borrower. The three main options I search for a personal loan near me include:


Several large financial institutions and banks offer personal loans near me. However, at these larger institutions, borrowers require at least good credit to qualify for a loan. Nonetheless, as an established banking customer there are benefits like qualifying for a larger loan amount or applying without visiting a branch. Other banks offer loans without an origination fee or free credit scores.

The most common banks near me that offer personal loans (up to a specific amount) include:

  • Citibank – Customers can borrow up to $12,500.
  • Discover – Provides free FICO scores and focuses on debt consolidation.
  • Marcus – A Goldman Sachs online lender that does not charge fees and features 12-month payment deferment after 12-months of on-time payments.
  • Wells Fargo – Borrowers can have money sent directly to creditors to consolidate debt.

Some of the best-known and largest banks near me, like Chase and Bank of America, do not offer personal loans. Local community banks often offer personal loans so customers in good standing will have a great opportunity to get the lowest interest rates.

Credit Unions

Credit unions near me are a great option for any customer with any credit level because they offer the benefit of working with borrowers. These small banks are non-profit financial organizations that service those working, living, studying, or worshipping in a specific area. Only members can apply for loans so having an account with the credit union is necessary. When searching for a small personal loan under $2,500, credit unions are the best option. Many lenders do not offer such small amounts. Two examples of credit unions near me are First Tech Federal and Navy Federal. Many credit unions will offer larger loans only for those making home improvements.

Online Lenders – Personal Loans Near Me

Many online lenders require a pre-qualification process following a soft credit check to quote terms and best rates. This is a simple inquiry that does not impact the borrower’s credit. On the other hand, a hard credit check occurs when a customer applies for credit. This will briefly ding even the best credit scores but only for a short time.

One of the greatest benefits of online personal loans is the competitiveness of the marketplace so lenders attempt to differentiate from traditional in-person loans near me with flexible payments, no fees, guidelines beyond traditional credit models, and other ways to lower interest rates. Unfortunately, to have this flexibility, borrowers must have strong credit scores who are borrowing large amounts at low rates.

Naturally, some online lenders cater to those with lower credit scores. To have access to these loans there are three considerations:

  • Find a co-signer with better credit. Friends and relatives with good credit can help lower the interest rate or provide better chances of qualifying for the loan.
  • Find an online lender that focuses on borrowers with below-average credit. Additional considerations like earning potential often help in their decision.
  • Opt for a secured personal loan that requires collateral like a title for a car title loan or anything with value.

While one personal loan source is not better than the other, it depends on multiple factors including the amount of the loan, repayment plan, credit score, interest rate, relationship with the lender, and many other options.

How to Select a Lender

This raises the next question; how do I select a personal loan lender near me? Well, there are many considerations to factor into the decision, including:

Annual Percentage Rate (APR)

When shopping for personal loans near me, I first look at APRs, not only the monthly payment and interest rate. The APR includes all extra fees and the interest rate, so it is the best direct comparison between two loans.

Customer-Friendly Features

Also, when I am reviewing personal loans near me, I shop for rates but not just rates. I also consider lenders with customer-friendly features. For instance, many debt consolidation loan lenders send money to creditors, eliminating this extra step. Other lenders may forgive a late fee or allow me to select the payment due date. Having the flexibility to select a payment due date could be the difference between missing a payment that results in a late fee while negatively impacting my credit score.

Interest Rates

There are two types of interest rates offered by lenders, fixed and variable. Fixed interest rates will remain the same percentage throughout the life of the loan. On the other hand, variable interest rates fluctuate with the market. Variable rates are tied to the prime rate which is the interest rate banks lend to each other. Fixed rates are the most common type while variable rates have a lower starting APR.

Loan Terms

The best lenders are those that offer flexible repayment terms that work with me on the best rates and the ability to select a re-payment date. The more customer-focused they are, the better rates, service, and flexibility I receive.


Reputation is extremely important when choosing a personal loan lender near me. Loan companies must stick to the contract. It is also important that they do not share my private information with advertisers, marketing firms, and other companies.

Ultimately, finding the best personal loans near me takes time, effort, and research to select the best options. I always start with my bank to determine the personal loan options they can offer and branch out to other lenders if I am unsatisfied. Shopping for a loan is like shopping for any type of product, I look for the best deals with the most reputable companies near me and go from there!

This article was brought to you by TFC Title Loans, we try to bring to you the most informative information. If you are interested in getting a title loan local to you, we are able to help you with our large referral network.

We will help you to get the most money by using the equity that you have in your vehicle, the application is fast and we can provide you with same-day funding.

All of our referral partners are in compliance with the CFPB. We will help you to get the money that you need but from a trusted and reliable title lender.


DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

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