Apply for Your Personal Loan

Check your rates in as little as 2 minutes with our AI-powered loan matching system. Compare offers from top lenders through a soft credit pull that has no impact on your score.

βœ“ No impact to credit scoreβœ“ 2-minute pre-qualification & rate checkβœ“ Funds as soon as tomorrowβœ“ $1,000 - $100,000

Borrower protections

Transparency, Security & Borrower Readiness Checklist

We operate as a licensed lead generator. Review the information below to understand how we match you with lenders, what they evaluate, and how to contact us if you have questions.

APR ranges & loan terms

  • Typical APRs: 5.99% – 35.99% depending on credit, income, loan amount, and term length.
  • Loan amounts: $1,000 to $100,000 with repayment terms of 12 – 84 months.
  • Rates are provided directly by lenders; we never add origination or referral fees.

Underwriting criteria

  • Credit score, debt-to-income ratio, employment status, and stated loan purpose are reviewed.
  • Lenders may request income verification (pay stubs, 1099s, or bank statements) before final approval.
  • Submitting a request initiates a soft inquiry; hard pulls occur only after you select a lender and consent.

Lead-generation disclosure

  • Loan AI Portal is a lead generator β€” we are not a lender and we do not make credit decisions.
  • We are compensated by lending partners only when a connection is successfully made.
  • You are free to decline any offer; lenders provide all final disclosures and agreements.

Privacy & security certifications

  • SOC 2 Type II attestation (renewed March 2025) and GDPR-ready data processing controls.
  • 256-bit TLS/SSL encryption, daily vulnerability scans, and continuous monitoring via Cloudflare.

Final APRs, fees, and repayment terms are provided directly by lenders after you review and sign their agreements. Make sure to read the Truth in Lending Act (TILA) disclosures supplied by each lender before accepting funds.

Complete Your Loan Application

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We are a lead generator, not a lender. We share your data with lenders so they can consider your request.

Why Apply With Loan AI Portal?

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Lightning Fast

Get a 2-minute pre-qualification and rate check with our advanced AI technology. No lengthy paperwork, no impact on your credit score.

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Smart Matching

Our AI analyzes your profile and matches you with lenders most likely to approve your application.

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Bank-Level Security

Your personal and financial information is protected with 256-bit SSL encryption and advanced security measures.

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Competitive Rates

Access rates as low as 5.99% APR from our network of trusted lending partners.

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24/7 Support

Get help whenever you need it with our round-the-clock customer support team.

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No Hidden Fees

Transparent pricing with no origination fees, prepayment penalties, or hidden charges.

Loan Details & Requirements

Loan Amounts & Terms

  • β€’ Loan amounts: $1,000 - $100,000
  • β€’ Loan terms: 2 - 7 years
  • β€’ APR range: 5.99% - 35.99%
  • β€’ Fixed monthly payments
  • β€’ No prepayment penalties

Basic Requirements

  • β€’ Age 18 or older
  • β€’ US citizen or permanent resident
  • β€’ Valid bank account
  • β€’ Steady source of income
  • β€’ All credit types welcome

Frequently Asked Questions

How long does the application process take?

Our AI-powered experience delivers a 2-minute pre-qualification and rate check with only a soft credit pull, so there is no impact on your score. If you choose an offer and complete the lender’s underwriting, final approval and funding can follow shortly after.

Will checking my rate affect my credit score?

Checking your rate triggers only a soft credit inquiry, so there is no impact on your credit score. A hard inquiry happens only if you accept an offer and finish the full application with a lender.

What can I use the loan for?

Personal loans through our platform can fund debt consolidation, home improvements, medical expenses, major purchases, weddings, vacations, or nearly any personal financial need.

What if I have bad credit?

We partner with lenders who work with every credit tier, including fair and poor credit. Our AI matching engine highlights lenders most likely to approve your application given your credit profile.

Are there any fees?

Our matching service is completely free. Individual lenders may charge origination or other fees, and those will always be disclosed before you accept any loan offer.

Your Security is Our Priority

We use bank-level security measures to protect your personal and financial information throughout the entire application process.

πŸ”256-bit SSL Encryption
πŸ›οΈBank-Level Security
πŸ”’Secure Data Storage
βœ…Privacy Protected