How It Works

Apply from anywhere and get a decision in an instant.
Apply in Minutes

Tell us about yourself using our simple application. There's no fee or obligation.

We Compare Lenders

We'll connect you to the lender with the best terms if one or more of our lenders extend an offer.

Get Your Money

Accept the terms on the lender's website and get your loan money quickly.

One simple application is all it takes to quickly and safely find the best personal loan for your needs.

Getting a personal loan that fits your specific needs is effortless with U.S. Loan Applications. We offer a wide range of personal loan types to meet your needs. Our lenders offer loans that range from $1,000 to $35,000 for more extensive purchases.

When you begin filling out our simple online application, we will ask you to specify the purpose of the loan and the amount you'd like to borrow. From there, we'll need some additional details required by the lenders in our network. Some of these details include your full name, home address, and your place of work. We will also need your bank account information for auto-payment set up if a lender extends an offer. The lender may also use your banking details to transfer funds directly into your bank account.

Our Lenders Have the Following Requirements to Be Approved:
  • Current employment for 90 days or more is needed.
  • Lenders require you're a U.S. citizen or a permanent resident over the age of 18.
  • It would be best if you had an income of $1,000 or more per month after tax deductions.
  • A checking account in your name is required.
  • Lenders need a working home or cellphone number, along with a work phone number.
  • An email address where lenders can reach you is also required.
Quick Request Processing

We reach out to hundreds of lenders once you complete and submit your loan application. Our lenders will quickly process your request and send us back a response. If approved, we will present you with the best offer assuming more than one lender makes an offer based on your information. You will be redirected to the lender's website to review the terms shortly after we let you know you're approved. You need to review these terms carefully before accepting them. We will also let you know if you do not receive any offers shortly after submitting your application.

Cash Directly to You

Loan funds will be transferred directly to you after a lender has approved your loan request.

Private and Secure

We make use of industry-standard security and advanced encryption technology to protect your private data.

Automatic Repayment

Loan fees and loan payments will be withdrawn automatically from your banking account when due, so you do not have to do anything.

Late Payments

Numerous personal loan and cash advance lenders are a part of our network, and they will follow different late payment policies. It is up to you to read through and understand their policies before appending a digital signature, which constitutes your legal obligation to pay back the loan. However, the state laws in some places will determine how much a lender can charge for late fees.

Loan Extensions

The state laws will determine if a lender can grant a rollover or an extension. Some states allow many rollovers, and some forbid this practice altogether.

People who are late with their payment permit the lender to charge them late fees and request immediate payment of the balance amount. If the person defaults, he or she is subjected to more fees as described in the agreement they signed. It would be best if you calculate your repayment before accepting the loan.

Lenders belonging to Community Financial Services Association of America are permitted to provide borrowers with an extended payment plan once every 12 months.

Loan Default

Lenders belonging to U.S. Loan Applications' network will pursue collections after the due date has passed to the fullest extent of the law. There will be criminal charges in addition to fees that could apply if the loan is not repaid. However, if the lender is a part of CFSA, criminal charges will not be levied.