Personal loans for every goal
Consolidate debt, fund a project, or cover an unexpected expense with a personal loan from $500 to $200,000 through lenders in our network. CashyLend is not a lender; each lender sets its own rates, fees, and terms.
Potential personal loan offers
A participating lender may offer an unsecured personal loan for debt consolidation, repairs, a major purchase, or another eligible purpose. The lender—not CashyLend—sets every term.
- Potential amounts from $500 to $200,000
- Potential terms from 3 to 84 months
- APR, fees, and payments are lender-set
- Availability depends on state and qualifications
- Checking or savings account at a bank or credit union required; prepaid cards are not accepted
- A request does not guarantee an offer
Fixed-payment options
Some participating lenders may offer installment loans with a defined number of payments. Confirm that the rate is fixed and read the complete payment schedule before accepting.
- Check whether the APR is fixed or variable
- Confirm the number and amount of payments
- Compare total repayment, not only monthly cost
- Ask about credit-reporting practices
- Review early-payment and late-payment rules
Options for unplanned costs
A personal loan may be one way to manage a repair, medical bill, or other unexpected expense. Compare it with savings, a payment plan, or other lower-cost alternatives before borrowing.
- Lender response and funding timing vary
- Compare APR and total repayment
- Ask the biller about payment plans first
- Review all lender fees before signing
- No offer or funding time is guaranteed
Personal loans for seniors and retirees
A paycheck is not required. Lenders in our network may count Social Security, pension, annuity, retirement-account, disability, and VA income, and there is no upper age limit. Our loans for seniors and retirees page explains which income counts, what to expect, and how to borrow carefully on a fixed budget.
- Retirement and benefit income can qualify
- Choose Retired or Benefits/Disability on the form
- Lenders may not deny credit solely because of age
- A checking or savings account is required; Direct Express and other prepaid cards are not accepted
- Compare total cost and fit the payment to your month
Options across credit profiles
CashyLend does not set minimum credit scores or make approval decisions. Participating lenders use their own criteria, and a lower score may mean fewer options or a higher APR. Our guide to improving your credit before applying covers quick wins.
- Each lender sets its own eligibility criteria
- Lower scores may lead to higher borrowing costs
- Ask how any credit inquiry will be recorded
- Ask whether and where payments are reported
- Review fees and early-payment rules
Compare every lender offer the same way
The name of the loan matters less than its complete cost and repayment rules.
| What to compare | Why it matters | Question to ask |
|---|---|---|
| APR | Combines interest and certain fees into one yearly rate. | Is this APR fixed for the full term? |
| Total repayment | Shows the full dollar cost across every scheduled payment. | How much will I repay if I stay on schedule? |
| Monthly payment | Must fit alongside housing, food, utilities, and savings. | Can my budget absorb this payment every month? |
| Fees and flexibility | Late, returned-payment, origination, and payoff terms can change the real cost. | What fees apply, and can I repay early? |
CashyLend does not set offer terms. Read the participating lender's agreement and ask questions before signing.
Read before you borrow
Short, plain-English guides from the CashyLend Editorial Team.
- How to compare personal loan offersThe four numbers that decide which offer really costs less.
- APR vs. interest rateWhy fees make APR the number to compare.
- When debt consolidation saves moneyThe math on rates, terms, and total interest.
- Personal loan vs. credit card vs. HELOCWhich way to borrow fits your situation.