Credit.com currently offers two types of personal loans: Unsecured personal loans and emergency payday loans. Unsecured personal loans allow you to borrow between $1,000-$15,000. These loans are credit-based, long-term loans. Emergency payday loans allow you to borrow between $100-$999.99. These loans are not tied to your credit and are designed to be repaid very quickly. Credit.com partners with several lending institutions nationwide to provide these loans to our customers. Interest rates for unsecured personal loans are risk-based and dependent on your financial standing and credit score. You must meet the following minimum requirements in order to qualify for an unsecured personal loan:

• Monthly gross (pre-tax) income must be $1,800 or more
• Credit scores of 620 FICO or above are preferred
• Bankruptcies must be discharged at least two years before the loan application

If you fall below the minimum requirements for an unsecured personal loan, you may apply with a co-signer who meets or exceeds the minimum requirements. 

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Quick Tip: We recommend that you check your credit reports before you apply for a loan. This information can help you determine if you qualify for a loan and give you an idea of the approximate rate.