PERSONAL LOANS PROGRAM
Personalized for
your Goals
PERSONAL LOANS PROGRAM
Personalized for
your Goals
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Personal Loans
Personal loans are available from a variety of financial institutions, including banks, credit unions, and online lenders.
Most personal loans are unsecured, which means you don’t have to worry about providing collateral (like your home or car). If you’re approved for an unsecured loan, you'll make monthly payments to pay it back in full, plus interest. The loan terms and interest rate can vary based on the lender and your credit.
There are also some lenders that offer secured personal loans that require collateral. Because there’s less risk to the lender, you might get a lower interest rate on a secured loan compared to an unsecured loan. However, if you can’t keep up with your payments, you risk losing your property.
While eligibility criteria can vary by lender, here are a few personal loan requirements you’ll likely come across:
Good credit
Most lenders prefer to work with borrowers who have good to excellent credit. While there are also several lenders that offer personal loans for poor or fair credit, remember that these loans will generally come with higher interest rates compared to good credit loans.
Verifiable income
Lenders want to see that you can afford to repay your loan. Some lenders have a minimum required income while others don’t — but in either case, you’ll likely have to provide proof of income.
Low debt-to-income ratio
Your debt-to-income (DTI) ratio is the amount you owe in monthly debt payments compared to your income. To qualify for a personal loan, you’ll typically need a DTI ratio of 40% or less — though some lenders might require a lower ratio than this.
The United Process
Speak with an expert advisor to explore what loans or debt relief programs you're eligible for.
Review your offers.
Select your offer, sign electronic documents, and receive copies of everything.
If you are approved for a loan, get funded in as little as 24-48 hours.
You may be transferred to a Law Firm that practices in your state for your selected program, but we will handle your enrollment into their program and prepare all of your documents for you.
Keep in touch with your advisor so that we can always help you, whether it's getting additional funds or being overwhelmed with debt. Our expert advisors are available from 9 a.m. to 5 p.m. PST to answer any of your questions.
United Funding™ is an independent company that works with many different lenders, law firms, and credit repair agencies to help our clients get the loans or services they need. Every client deserves a customized plan.
Zachary Thompson
Verified Review
United Funding exceeded my expectations in every way possible. Karli, Michael, and Jason were a pleasure to work with. Their professionalism and expertise helped me secure a personal loan at a fantastic rate. I highly recommend their services to anyone in need of financial assistance.
Lisa Smyth-Anderson
Verified Review
I had an amazing experience with United Funding. The team was helpful and knowledgeable. They guided me through the process of finding the right debt-relief options, and thanks to their assistance, I can finally breathe. I am grateful for their services. 10/10
Robert James Carter
Verified Review
I can't thank United Funding enough for their outstanding service. From the initial consultation to the final loan approval, they provided top-notch assistance. They worked tirelessly to secure the best rates for me, and their expertise saved me a significant amount of money. United Funding is the go-to.
Nancy Haywood
Verified Review
I had an amazing experience working with United Funding. Michael was extremely professional and helpful throughout the process. They helped me secure a personal loan at a really good rate, saving me a lot of money. I highly recommend their services!
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