Secured loans use an asset (car, savings) as collateral, offering rates as low as 5.99%. Unsecured loans don't require collateral but charge 8-20% depending on credit score. Secured is cheaper; unsecured is faster and less risky to your assets.

Personal loans typically range from $2,000 to $100,000. Your borrowing capacity depends on income, existing debts, and expenses. We calculate realistic amounts that won't overextend you.

Applying creates a hard inquiry (minor temporary impact). Missing payments damages your score significantly. Making on-time repayments improves your score over time. We ensure you borrow amounts you can comfortably repay.

 Possibly, but rates will be higher (14-20%). We work with lenders who specialize in non-prime credit and can advise on credit repair strategies before applying to improve approval odds.

Application fees ($0-$400), monthly account fees ($0-$15), early repayment fees ($0-$500). We prioritize lenders with minimal fees and disclose all costs upfront.

Pre-approval: 24-48 hours. Full approval: 3-5 business days. Funds typically transfer within 24 hours of final approval. We expedite urgent applications.

Most modern personal loans allow extra repayments and early payoff without penalty. Older loans may charge early exit fees ($200-$500). We confirm terms before proceeding.