Personal & signature loans
No vehicle? No collateral at all? A personal loan, sometimes called a signature loan because your signature is the security, is an unsecured loan based on your income and employment. Same 60-second form, same competing licensed lenders.
How personal loans work here
You fill out the same short form. Just choose "Personal / signature loan" when asked how you would like to borrow (or use the button above, which pre-selects it). Instead of vehicle questions, lenders look at your income, employment, and state. Amounts typically run $500 to $5,500, repaid in fixed installments.
Personal loan vs. title loan
- No collateral: nothing is pledged, so there is no repossession risk, but amounts are smaller than title loans
- Income matters more: with no collateral, lenders lean on your income and employment history
- Same speed: approval in minutes during business hours, funding often within a day
- Same marketplace: licensed lenders compete, and checking never affects your credit
Own a car and need more than $5,500? A title loan typically offers larger amounts because the vehicle secures it. Many borrowers check both and compare.
Who qualifies
Steady income is the main requirement. Full-time, part-time, self-employment, benefits, or retirement income can all work. You will need a photo ID, proof of income, and a bank account for funding. Credit matters somewhat more than with a title loan, but lenders in our network regularly work with imperfect credit.
Nothing pledged. Nothing risked but a form.
Check your personal loan options free, with no credit impact.
Check My Personal Loan Rate →Common questions
What is a signature loan?
A signature loan is simply an unsecured personal loan. Your signature (your promise to repay) is the only security. No vehicle, no collateral, no repossession risk.
How much can I borrow with a personal loan?
Through our network, typically $500 to $5,500, depending on your income and your state rules. If you own a vehicle and need more, compare a title loan too.
Do personal loans require good credit?
Not necessarily. Lenders in our network weigh income and employment heavily and regularly approve borrowers with imperfect credit. Checking your rate never affects your score.