Loan amounts will vary by lender.  We work with a variety of lenders who can tailor a loan amount, interest rate and repayment terms to meet your specific needs and financial goals.  Your ability to qualify for a loan will vary by lender and is determined by several factors including your credit score, debt to income ratio and you credit history.  Each lender you are matched with will have their own criteria for approval based on these factors.

Yes.  In order to apply and be considered for a persona loan, you must meet the following minimum requirements.

You must:

• be a citizen of the United States,
• be a be at least 18 years of age,
• have a valid, working email address,
• have a checking account,
• be employed and be able to document your income,
• agree to the eConsent Policy to accept and sign documents electronically

The process starts with you completing the online form on this website.  From there, our system will review the information you provide, and we will try to locate a lender or other partner who may be able to assist your further based on your request.

Many of our partners can provide a decision in a few minutes or a few days depending on the information required and how quickly you can provide the information your lender requests.  Since we are not lenders, we are not involved in the underwriting, decision or approval process, and therefore, cannot provide any information about the status of your loan and we cannot influence the approval process.

A personal loan can be used for anything.  Most lenders we work with do not restrict how you use the funds you receive.  Some of the most common things people use personal loans for are to restructure or pay off high interest credit card debt, pay for unexpected medical expenses, remodel their home, pay for auto repairs, finance wedding expenses or other special occasions or take a vacation.

Yes! Your credit score is only one factor that lenders consider when deciding to approve a personal loan.   We work with lenders that offer loans to people with all types of credit scores and varied credit histories.  The important thing is that you be able to demonstrate your ability to repay the loan under the terms of the loan agreement provided by your lender.

Each lender has a different process for funding loans, but generally, once you are approved and have singed all the required documents with your lender, you should receive your funds within 1-3 business days.

Lenders will usually fund your loan by sending the money directly to the checking account you provide.

Making late payments or missing payment altogether will result in you being subject to collection actions by your lender.  Missing payments or making your payments late will negatively impact your credit rating and your credit score.  If you experience problems repaying your personal loan, it is very important to contact your lender immediately to inform them of your situation and to discuss ways to possibly address the issue.  As we are not lenders, we are also never involved in the process of collecting any loan payments and we will never contact you regarding the payment of your loan.  Only your lender can assist in this manner.

There is no cost to use our matching/referral service.  We created this platform to help people find reputable lenders and other partners that can provide financial assistance.  Based on your request, we will try to match you with a lender or other partner that can provide the type of loan or financial assistance you are requesting through this service.  You are not obligated in any way to accept any offers you may receive through this service and we do not recommend or endorse any of the lenders or partners to whom we may refer you.   If you accept the terms of a loan offer or enroll in another type of financial assistance program, we will likely receive a fee from the lender or other partner.  We encourage you to carefully read and fully understand the Terms and Conditions, Privacy Policy, eConsent Policy and Advertising Disclosures of this website before submitting your request through this platform.  Furthermore, please carefully read and fully understand the terms and conditions of any personal loan agreement before signing and agreeing to the terms of any loan.

By providing your express consent to be contacted on this website, you are agreeing to receive communications from our lending partners or other marketing partners in the form of telephone sales calls, text messages and/or emails from Loan On Demand and our Marketing Partners on your landline, cell phone and/or email address you provide irrespective of whether your telephone number appears on any state or federal “Do Not Call” lists. By submitting your information, you further agree that Loan on Demand and our partners may use a computerized or automatic telephone dialing system to contact you via telephone or SMS/text message and may use a pre-recorded message, or leave a recorded voice mail message on your cell phone when contacting you via telephone. You understand that your consent to be contacted is not a requirement to purchase anything and that standard cellular message and data rates apply when being contacted over SMS or Text. While your consent is NOT required to submit your information using our service, please understand, that without receiving your consent to be contacted, some of our marketing partners may choose not to contact you or otherwise follow up on your request.