Brighter Loans
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Loan Amount: $100 to $35,000
Credit Score: Poor to Excellent
APR: Depends
Loan Term: Depends
What is an Installment Loan?
A Personal Loan allows you to pay for your loan over a longer period of time than your traditional Cash Loan. With a Personal Loan you are allowed to repay the loan in scheduled payments that are generally equal in amount (last payment may vary slightly). If you have an active checking account, direct deposit and an income, you can be approved within a few minutes. The money is electronically transferred to and repaid from your bank account on certain dates you have agreed. This allows you the flexibility to deal with emergency cash circumstances such as auto repairs, unexpected medical bills, or other financial needs.

How it Works?
Borrowing is quick and easy! Simply do the following:

Fill in our simple on-line form to get connected with a lending partner.
You will usually receive your online decision from the lender within minutes.
If approved, you then agree to the terms and conditions of your loan and electronically sign your loan agreement. In most cases, the funds with be in your account as soon as the next business day.
We are not an installment lender. We attempt to connect you with a lender in our network.

If connected with a lender, they will contact you to complete the process, review the terms of your loan and discuss repayment options. Please review our Terms and Conditions for comprehensive information regarding our loan service.

A few requirements include but are not limited to:

Have a valid checking or savings account with direct deposit
Be 18 years of age and a U.S. citizen
Minimum regular income of $800 per month
Upon meeting the qualifications, complete and submit our online form and we will aim to connect you with one of the lenders on our network.
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APR & Loan Duration

Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

Origination Fee

An origination fee is a fee you pay to your lender when you receive funds. The charge compensates your lender for expenses like processing your application and marketing. Fees typically range from 1% to 8% of the amount you borrow, although you might pay a flat fee or nothing at all, depending on the lender.

Personal Loan Example

If you borrow $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. You will actually receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64.

Amount Period APR Monthly Total Paid
$1,000 24 month 12% $47.07 $1129.76
$1,000 24 month 24% $52.87 $1268.91
$1,000 24 month 35.99% $59.04 $1417.01

Typical Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

Loan amount: $500 - $35,000
Lending period: 91 days - 84 months
Payment frequency: Once a month or twice a month
APR: depends upon credit score, loan amount, loan term, and credit usage & history.
Prepayment penalty: None

Disclaimer

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners.

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.

Company Address

Beiqing road, NO.68 yard, NO.24 building, tower D, NO.3 floor, room 049, Haidian District, Beijing

Disclaimer

Notice

We only provide the service to the people above 18 years old.

Important Information

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners. Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. When you submit your request there is no hard inquiry made on your credit report, therefore there is zero impact on your credit score.

Not A Lender Notice

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. We don't provide loans, loan offers or broker loans online. This website operator is not a lender, do not broker loans to lenders and they do not make credit decisions or offer personal loans. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.