Personal Loans And Easy Refinancing From Our Partnered Top Banks, and Lenders

Personalized Loans in one form!

Having an unsecured personal loan can be a great tool to assist you in consolidating your debts and get a fixed monthly payment at a lower rate and longer term. But interest rates and other terms can vary greatly based on your creditworthiness and other factors.

- Personal Loan, House Remodeling, Home Improvements, Kitchen Remodeling. For Paying Off Debt, For Paying Medical and Dental Bills of your Family.

There are many different uses for a personal loan, and may even have benefits for you. Personal loans may carry lower rates than credit cards and usually does not require a collateral. Unlike credit cards, you can pay off a personal loan without the incurring debt. When you pay off a personal loan you are done paying it unless you take out another loan.

It is mandatory, that an individual who is interested in taking out a loan, make smart decisions before applying for a Personal Loan. The Federal Trade Commission advises consumers to shop and negotiate loan terms to find the lowest rate and best loan terms.

AurumLoans is here to take the stress out of shopping and comparing personal loans with one application form!

Get Pre-qualified Personal Loan quotes and Easy Refinancing without the fees, and without impact to your credit score!

4.99 - 35.99* Interest Rate

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About Personal Loans

AurumLoans is the right place to take control of your finances or refinance/consolidate your debt with our unmatched Personal Loans*

Benefits of a Personal Loan with AurumLoans

No origination fee or prepayment penalty. No broker and junk fees.
Multiple offers with a single application form.
Loan terms of 24-84 months.
Competitive Fixed rate, fixed term, and fixed monthly payment
Loans from $1,000 - $100,000. No collateral required.
Rates from 4.83% - 35.99%

There are many ways to use your Personal Loan. However, it is always recommended that you do a full due diligence. Proper planning and careful decision making will give you a better use of your Personal Loan

Personal Loan Eligibility

Uses of Personal Loan

Personal Loan Proceeds Can Be used for anything. However, these are some of the most common uses for Personal Loans

There are many ways to use your Personal Loan. However it is always recommended that you do a full due diligence. Proper planning and careful decision making will give you a better use of your Personal Loan

Refinance or consolidate credit card debt	Reduce your credit card balances and save on interest and finance fees.
Finance New Appliance	Looking to purchase energy saving appliances? Personal Loans can help you invest in Energy saving appliances that reduces the cost of paying your utility bills.
Payoff Medical and Dental Bills	Taking out a loan to pay your uninsured unpaid medical bills can be a recourse to rebuild your credit. And avoid repercussions from collectors.
Home Remodeling / Kitchen Remodeling	Give your home a whole new look. Use your Personal Loan for a new pavement, new paint, new outdoor lighting, or add a pool to your home. Remodel your kitchen with new countertops, energy saving dishwasher, and refrigerator.
Fixing your Car	Maybe a New Car is not your plan. Use your Personal Loan to give your car an extra boost - an alternative to purchasing a new car. Repair mechanical problems. Repaint and add detail to your car. And may be add a new stereo.

Personal Loan Documentation

There are times that unforeseen costs arise. Applying for any type of loan should not take much of your time (for both Business Loan and Personal Loan). Time matters now when we talk about loans. One example are bills that are due and needs to be covered on time or we will incur penalties.

One of the best options is working with a loan provider that specializes in Personal Loans. Luckily, AurumLoans is your one stop source for Personal Loan options. Partnered with Top banks and Lenders, we reduce the time shopping, and comparing loan terms, APR, and monthly fixed payments.

When it comes to applying and documents, banks and lenders have varying requirements to help you with the process.

These are the most common documents required to apply for a Personal Loan

Employment and Income information.
Credit Report - Credit worthiness to pay your debt.
Bank Account information
Collateral

Most of AurumLoans' Lending Partners only require these documents:

Bank Statement
Proof of Income
Proof of identification - ID that certifies you are 18 years of age or older. You Need to be a United States citizen or a Permanent Resident of the United States.

FAQ

What is a personal loan and what does it have to do with my credit cards?

A personal loan is an unsecured loan that you can just for any purpose: consolidating your debt, refinancing your credit card debt to a lower rate, or financing a life event. There is no collateral required to get a personal loan, and you pay back your loan in fixed monthly payments, with no penalty for paying the loan off early. Credit Card companies, on the other hand, are primarily used to make purchases for goods, but can also be used to borrow money you don’t have. There is no “end date” on the debt you accumulate on these cards, but there is a standard APR that causes interest to accumulate on your account over time and much higher Penalty APR rates can be applied if you are late on or miss a payment. It is also rare for someone to get their Credit Card APR reduced, which is why refinancing can be a powerful way to save you thousands on your outstanding debt.

Why should I get a personal loan if I already still haven’t reached the limit on my Credit Card?

Personal loans generally have lower interest rates than credit cards since the rates are personalized to the borrower and you are committing to paying back the loan within a fixed time period. If you have a very high APR on your Credit Card debt, EVEN may be able to find you a loan that will save you thousands. When AurumLoans finds you a personal loan to refinance your credit card debt, you can repay those high-interest balances all at once – and get a single monthly payment that often has better rates and better terms.

What are the minimum credit requirements to receive a loan? Does It Cost Me Anything?

The requirements vary by lender, but we have options for virtually any credit score across all of the lenders on our platform. AurumLoans' One Short Application Form Is Free of Broker and Junk Fees.

How is this different than getting a loan from my local retail bank?

Our process and the process used by our lending partners is almost entirely digital. You never have to leave the comfort of your home or desk when getting a loan through EVEN (except for some loan providers who require a branch visit). Many retail banks require you to physically go to a branch, fill out paperwork to apply in front of a loan officer, and sometimes wait weeks to see if you are approved. Additionally, alternative lenders can take into account many more factors to approve your loan that retail banks may not, such as loan purpose and payment history on utility and cable bills.

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It takes less than 5 minutes to get matched with the right partner to serve you a Personal Loan with the Best Fixed Month Payment, Best APR, Best Term, and More Money to your Pocket. Without the extra costs and fees!

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