Apply for a loan online, anywhere nationwide, with Financial freedom starts here — where we build, connect, and service many financial solutions that define the way individuals and lenders interact. Our professionally staffed financial center will personally guide you through the lending process with the industry’s best customer service. We understand this may be your first time looking for a loan, so we’re going to make it easy for you. We do this by making it more secure, transparent, and efficient for the everyday person. We base our values with the borrowers, like you, rather than lenders. This makes us devoted to the helping parents, teachers, students, entrepreneurs, professionals, and all other working individuals endeavor past their financial hump into financial stability. Through the integration of multiple advanced technologies, we aim to help you get approved and funded, with the lowest possible interest rates. is committed to communicating and sharing useful financial information with you, when you need it the most. We allow you to make more knowledgeable financial decisions while, at the same time, protecting your privacy from fraud, nationwide. Above all, we are determined to lead the way and progress positive change within the financial industry - in hopes of shaping the way people borrow money.
Be aware, the same nationwide loan laws apply for both storefront and online locations, so we aim to offer very competitive options. Nationwide, we have more flexible lending criteria than most mainstream banks. Therefore as long as you are able to manage the loan repayments, you can apply for a loan. This means you can apply for a loan no matter where you are, as long as you have documents that show you are a resident of your state. You can use the money to repair your car, have a night out, buy a gift, pay bills, or to simply get by. From here on, use our secured online lending portal to identify the best personal loans, business loans, or financial services.

Benefits for Borrowers nationwide's vision is dedicated to changing the financial lending industry and serve as a nationwide tool to save money when shopping for unsecured loans and secured loans from anywhere in the country. We realize that you are an individual; with an individual story and goal. Additionally, we know you’re looking for a quick solution to better your conditions, and it’s easy to feel confused without knowing the statutory limits and standards when getting a loan. No worries there, we make it easy to borrow unsecured personal loans, small business loans, and negotiate your debt.

Our vision is to find a way to educate you, so you can make better, more informed decisions, and hopefully find financial success. We help you save time and money by providing the most accurate information for borrowing money across the country. We are constantly evolving our technology to develop less expensive and more effective financial service alternatives for you.

Nationwide Regulations and Laws Regarding Loans

Some nationwide laws put sensible limits on the rates and terms for borrowers. For most states, it is appropriate to impose lower rate caps for much larger loans. While in a few states, the financing rates indicated are not perfect because of looser lending principles.

Therefore, regulations for loans vary greatly from state-to-state. For example, if you’re a resident of Delaware you can borrow up to $1,000 with up to 60 days to make repayments. If you're a resident of Alaska, you can borrow up to $500 and are required to pay it back within two weeks. Some borrowers will find loans that are completely prohibited in their state, but not in others. The regulations have a huge effect on what lenders can charge; and it is also important for you, as a borrower, to be aware of those regulations. It is up to you agree that your loan has the right repayment terms, fees, and amount you desire. For more information, refer to our contact us page.

These rules apply for a $500 installment loan, with all fees included:

  • In 19 states and the District of Columbia, the full APR is 16% to 36%
  • 13 states allow interest and fees that can bring the full APR as high as 54%
  • 10 states allow fees that can potentially bring the full APR up to between 61% and 116%
  • 4 states place no cap on the interest rate except that it cannot be unconscionable
  • 4 states have no rate cap or ban on unconscionability at all

These rules apply for a $2,000 installment loan, with all fees included:

  • 31 states and the District of Columbia cap the full APR at 17% to 36%
  • 2 states allow rates and fees that can bring the full APR as high as 82%
  • 6 states allow interest and fees that can bring the full APR up to between 38% and 41%
  • 6 states place no cap on the interest rate except that it cannot be unconscionable
  • 5 states have no rate cap or ban on unconscionability at all

Loan Option disclosure:

Our personal loan lenders may offer payment terms from twelve to a maximum of eighty-four months. Our lenders offer annual percentage rate (APR) from 4.79% to a maximum annual percentage rate (APR) of 35.99%. Our lenders DO NOT offer short term or payday loans.

We are not the direct lender. We have lenders in most states and work to connect you with the best available options based on your current situation.

Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.

We are partnered with multiple national lenders and all credit situations are considered. Additional information offered below:


An APR demonstrates to you the cost of obtaining cash on a yearly premise. It can help you rapidly think about various advances or credit cards on a logical premise. The APR on an individual advance can incorporate both the financing cost and start charge. The start charge may likewise be deducted from your advance continues, and there is generally no expense on the off chance that you don't get an advance.
The Annual Percentage Rate (APR) is the rate at which your loan accumulates interest, and is based upon the individual loan specialist's program. All terms and conditions for any credit for which you qualify will be displayed before you present your application. APRs differ from 4.79% to 35.99% for unsecured individual advances.
For instance, If the start expense is deducted and you get a $6,000 36-month credit at a financing cost of 6.99% with a 2% beginning charge of $120.00, you could get an advance measure of $5,880.00 and make 36 regularly scheduled installments of roughly $185.24 at a 8.36% APR. On account of a $20,000 60-month credit at a financing cost of 7.62% with a 3% beginning expense of $600.00, you could get an advance measure of $19,400.00 and make 60 regularly scheduled installments of roughly $401.90 at a 8.91% APR. Your real month to month installment more often than not shifts in view of the APR, advance sum and term chose.

Credit Implications

Our partaking lenders may check your standardized security number, driver's permit number, national ID, or whatever other state or government distinguishing proof, and review your data against national databases to incorporate, however not constrained to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to decide credit value, credit standing or potentially credit limit. Some of our partaking loan specialists won't perform credit checks for the three major noteworthy credit credit reporting bureaus. At the point when outsiders check your credit score rating, it can actually lower your rating. We will bend over backward to just present projects where you have a decent shot of accepting your advance the first occasion when you apply. Credit checks or shopper reports through option suppliers, for example, Teletrack or DP Bureau, commonly won't influence your financial assessment. By presenting your enrollment through this site, you consent to permit partaking loan specialists to confirm your data and check your credit as depicted in their strategies and terms.

Implications of Late Payments

Every lender has its own particular criteria and strategy with regards to late payments. This may incorporate extra charges and interest, and may bring about reports to the three major credit announcing departments creating your financial assessment (credit score) to be brought down. Before you consent to an advance, make certain you have perused and comprehend the ramifications of making late installments. Likewise, each state has standards and directions set up that moneylenders must take after when assessing charges for late installments.

Implications of Non-Payment & Collection Practices

In the event that you don't make the installments on your advance, you might be responsible for extra fees, interest, and gathering costs. This may bring down your credit score. Moneylenders are required by government and state laws to utilize reasonable practices in their collection actions for an advance that has not been repaid. Lenders should comply with the following practice:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not using deception to try to collect money from you
  • Not threatening you with legal action if it is not permitted
  • Not harassing you or using abusive language towards you over the phone

We will only permit moneylenders who are trustworthy and keep up their notorieties effectively; That being said, in the event that you discover any conduct that is not proficient, or you feel is savage, we need and want to know promptly. We esteem your trust in us to help you with your financial needs.
We are your advocate and your involvement with us is foremost to the achievement of our organization.