Personal loans up to $5,000

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Request a loan now, regardless of your credit score. Conditions vary and terms apply.

Loan Term (Repayment Period)

  • Borrow $500 to $5,000
  • Any credit can be accepted
  • No hidden fees
  • Max APR of 29.85%
  • Free application

Sometimes it's quite hard to plan ahead your finances. Unexpected situations happen all the time. That's where our service comes to rescue. We specialize in personal loans, connecting you with over 100 of direct lenders, who are ready to provide you with a loan fast and easily.

By completing a short form on this website, you get access to our network of lenders. The whole process takes just a couple of minutes. In some cases, lenders may request additional information. In general, the funds are deposited to your account in as soon as the next business day.

Getting a loan from a regular bank can be somewhat difficult, especially if your credit history is damaged or far from being perfect. Our lenders consider applicants with all backgrounds. No matter what credit you have, you still can apply and get approved. You only need to fill out this short form, and our service will do the rest for you.

Loan Term (Repayment Period)

Minimum
Maximum
65 days
84 months

APR, Total Loan Costs and Fees Example

Loan Amount
$1,000
$2,000
$2,500
$5,000
Interest Rate
24.00%
19.00%
16.00%
12.00%
Loan Term
12 months
24 months
36 months
48 months
Origination Fee %
3.00%
5.00%
10.00%
12.00%
Origination Fee $
$30
$100
$250
$600
Monthly Payment
$94.56
$100.82
$87.89
$131.67
APR
29.82%
24.12%
22.93%
18.23%
Total interest Paid
$134.72
$419.68
$664.13
$1320.12
Total Loan Cost
$1,164.72
$2,519.68
$3,414.13
$6,920.12
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2
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Money is Deposited Directly
3
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Annual Percentage Rate (APR)

upfinances.com is not a lender and does not provide short-term or online personal loans but refers consumers to the lenders who may provide such loans. Because of this, upfinances.com cannot provide you with an exact APR that you will be charged if you are approved for a loan. APR may depend on multiple factors, including but not limited to your state of residence, your creditworthiness, lender's requirements, loan term you request. In case of approval, you will be given the details on the APR, loan fees, and other terms by your lender.

If you have reached our website via paid Google ad, the rates on upfinances.com will vary from 4.99% to 29.85% APR (calculated consistent with the Truth in Lending Act, TILA) with repayment terms from 65 days to 84 months. You will be notified of final numbers prior to accepting suggested loan terms. Rates based on creditworthiness are subject to change without notice. The actual rate and monthly payments may vary. In order to apply for a loan, you must be at least 18 years or older.

Once your application is approved, you will be presented with the loan agreement, where lender will disclose all details pertaining to the loan — including APR, loan finance charges, or any other terms you would be agreeing to. We highly recommend to review this information carefully before accepting a loan offer.

Should you have any questions related to APR or loan related services, please contact us for assistance.

Representative Example of APR

If you borrowed $2,500 over a 36 month period and the loan had a 10% arrangement fee ($250), your monthly repayments would be $87.89, with a total pay back amount of $3,164.13, which including 10% fee paid from the loan amount, would have a total cost of $914.13. Representative 22.93% APR.

Financial Implications (Interest & Finance Charges)

Once get approved for a loan, your lender will supply you with all the necessary details regarding terms, fees and interest rates for a given loan. Be sure to review your loan agreement carefully for information about the financial implications of non-payment before formally accepting the loan. Remember, that you are under no obligation to accept loan offers from lenders. Please check the representative APR example to get more information.

Implications of Non-Payment

When you accept the terms and conditions for a personal loan, you hereby agree to repay the loan with an interest and in time specified in your loan agreement. Your lender may set late payment and non-payment fees in accordance with state regulations.

upfinances.com cannot predict what additional charges may be incurred in case of late payment, partial or non-payment. For more information about your lender's specific procedures, please review your loan agreement or contact your lender directly. upfinances.com partners only with the most reputable lenders adhering to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Potential Impact to Credit Score

All loans are subject to credit approval. Any lender you are matched with may run a credit check procedure with one or more credit agencies. Too many credit checks in a short period of time may adversely affect your credit score.

Failure to repay a loan can be reported by your lender to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This can negatively impact your credit your credit history up until you repay the loan in full. The same concerns late payments or rolling over a loan. Once the loan is repaid, lenders can report it to the credit reporting agencies.

Damaged credit score may affect your future financial decisions making it more difficult to get approved for a loan or a credit card. Yet, poor or bad credit cannot prevent you from being able to receive a loan.

Collection Practices

Non-payment may involve debt collection practices, as it is set by applicable law. upfinances.com is not a lender and thus not involved in any way in the above mentioned process. Your lending agreement should have provisions disclosing debt collection practices. Please contact your lender for any questions regarding collections.

Loan Renewal Policies

Some lenders within our network may automatically renew your a loan if it becomes past due. There also could be additional charges for this. All terms are described and identified in your loan agreement. Check your lender's policy on automatic loan renewal before you sign it electronically. Also, your lender may offer other alternative methods besides renewal. To a significant extent, these regulations are determined by state regulations.

upfinances.com

Our free loan matching service allows customers across America to access extra cash when they need it most. It’s our goal to help you find the lender offering a loan quickly and hassle-free.


Frequently asked questions to help you on your path to financial freedom.

Use the chat feature on the right side of your screen. A live agent is available to assist you between 9 AM and 5 PM EST. You can also reach us by email at contact@upfinances.com
Qualifying is based on a few key categories:
  1. Currently have a job (or receive regular income)
  2. Make at least $800 per month
  3. Are 18 years of age or older and a U.S. resident
  4. Have a checking account
  5. Other requirements may apply
If we were able to find you a lender, usually you will be redirected to the lenders site within 2 minutes. Some lenders may also call you to confirm your loan. If we were not able to find you a lender, you will see a message stating that.
We upfinances.com does not lend money or process loans. Upon approval, we redirect you to one of our approved lenders. You may be asked to fill out additional forms.
You will need to have a bank account in order for us to find you a lender. If you don't have a checking account you can indicate that you have a savings account. Just choose "savings account" when submitting your information. Additionally, our lenders use the bank account to deposit your loan and for repayment.

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