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Personal Loan Types

Personal loans can be used for many real-life needs. Below are the most common purposes borrowers consider, always compare terms and choose what fits your situation best.

📋 Notice at Collection This form collects personal and financial info shared with lending partners. Your privacy rights apply. ▼
What we collect: Your name, contact info, date of birth, Social Security number, driver's license number, address, employment and income details, bank account and routing numbers, and information about your device and how you use this site.
Why we collect it: To share your information with up to five lending or financial-services partners who may provide loan offers, to verify your identity, to obtain a consumer credit report (with your authorization), and to send you communications by phone, SMS, and email regarding your loan request.
Who we share it with: Lending partners, identity verification vendors (GeniusVerify, SuperVerify, Jornaya, TrustedForm), loan marketplace aggregators (including ML Enterprise Inc. d/b/a Engine by MoneyLion), advertising and analytics platforms, and service providers who help us operate this site. Sharing your data with partners who pay us a referral fee may be considered a "sale" or "sharing" under California and other state laws.
How long we keep it: Up to 7 years for completed applications, 90 days for incomplete ones. Marketing data is kept until you unsubscribe.
Your rights: California, Colorado, Connecticut, Virginia, and several other state residents have rights to access, delete, correct, and opt out of the sale or sharing of their information, and to limit the use of sensitive information like SSN and bank account numbers.
→ Full Privacy Policy | → Do Not Sell or Share My Personal Information | → Limit the Use of My Sensitive Personal Information
Personal Loan Application
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in order to evaluate your eligibility for potential loan offers. This is not a guarantee of loan approval.

By continuing you agree to our Terms of Service and Privacy Policy. Your information may be shared with lenders in our network who may offer loan products based on the information you provide. Please review our Privacy Policy and your opt-out rights.

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Confirm your identity

Lenders may use this information to verify your identity and evaluate available loan offers.

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Encrypted — never stored in plain text
Increases approval chances
If different from residence state
Helps lenders review your information more accurately
Your SSN and personal data are encrypted end-to-end using 256-bit SSL. This information is used only for identity verification and lender review purposes and is never stored in plain text.

Completing this step allows us to share your information with lenders in our network who may provide loan offers. Your information is protected under our Privacy Policy.

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Adding your employment information helps lenders evaluate your loan request. Most users complete this step in under 90 seconds.

Your employment & income

This helps lenders evaluate your repayment capacity when reviewing your loan request.

Income source
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Helps lenders verify job tenure
Pay schedule
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Required if bi-weekly or twice monthly
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Banking information

Used to verify your identity and set up your loan if approved.

Your banking details are encrypted end-to-end. This information is used only to verify eligibility and set up deposits — never shared without your consent.
Bank details
Found at the bottom left of your checks
Improves approval odds
Required by most lenders
Authorization & consent
By clicking "Get Started" above, you agree to receive calls, text messages (including automated SMS/MMS), and emails from us, GeniusVerify and/or SuperVerify, ML Enterprise Inc. dba Engine by MoneyLion, and other lending partners in our network regarding financial products or services at the contact information you provided, even if your number is on a Do Not Call list. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of text messages and HELP for help. You also agree to our Terms of Use, Privacy Policy, Legal Disclosures, Accessibility Statement, Terms & Conditions, Credit Authorization, and E-Consent, and authorize us and our lending partners to obtain your consumer credit report as permitted under the Fair Credit Reporting Act for the purpose of verifying your identity and evaluating potential loan offers. This is not a guarantee of loan approval.

Debt Consolidation Loans

Combine multiple debts into one monthly payment.
A consolidation loan may help simplify your finances and potentially lower your total interest depending on your credit and the lender’s offer.

Common uses:

Paying off credit cards
Combining personal loans
Reducing multiple payments into one

Important: Not all borrowers qualify for lower rates. Always compare total cost, APR, and repayment term.

Read More About Debt Consolidation
Debt Consolidation

Emergency Loans

For unexpected situations that can’t wait.

Common uses:

Car repairs
Essential bills
Urgent travel
Short-term financial gaps

Not every lender offers “emergency” loans specifically, but many allow funds to be used for immediate needs.

Read More About Emergency Loans
Emergency Loans

Medical Loans

Medical expenses can arise suddenly and aren’t always fully covered by insurance.

Common uses:

Dental treatments
Specialist visits
Procedures not covered by insurance
Diagnostic tests
Out-of-pocket medical bills

Always check whether your intended use is allowed by the lender.

Read More About Medical Loans

Home Improvement Loans

Useful for repairs or upgrades that add value or fix urgent issues.

Common uses:

Roof repairs
Painting
Flooring
Appliance replacement
Small renovations

Loan availability and limits vary by lender.

Read More About Home Improvement Loans

Moving & Relocation Loans

Moving can be expensive,  especially long-distance or emergency relocations.

Common uses:

Moving company fees
Security deposits
Travel costs
Short-term housing
Storage fees
Read More About Moving & Relocation Loans
Moving Loans

Wedding & Event Loans

Life events often come with large or unexpected expenses.

Common uses:

Venue deposits
Photography and media
Travel
Attire
Event suppliers

Borrow responsibly and compare offers carefully.

Read More About Wedding Loans
Wedding Loans

Choosing the Right Loan Type

Every financial situation is different. Before moving forward:

Compare APR, fees, and total repayment

Understand your monthly payment and term

Make sure the lender allows your intended use

Avoid taking loans back-to-back without a plan

Responsible borrowing protects your financial future.

Important Compliance Notice

We are not a lender.
We do not approve loans or set rates.
Loan availability, terms, and approval criteria vary by lender and by state.
Submitting your information does not guarantee a loan or offer.

Always review the lender’s disclosures and loan agreement before accepting any loan.

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