Flexible funding for life's moments — debt consolidation, emergencies, major purchases & more
Fast approval, funds within 24 hours
Personal loans are a type of installment loan that provides you with a lump sum of money upfront, which you then repay over a set period of time with fixed monthly payments. Unlike credit cards or lines of credit, personal loans come with a clear end date — you know exactly when you'll be debt-free.
At NeptuneLoan, we connect you with lenders offering personal loans ranging from $100 to $5,000, with repayment terms of 2 to 24 months. Whether you need to cover an unexpected expense, consolidate debt, fund a major purchase, or simply bridge the gap until your next paycheck, a personal loan could be the solution you're looking for.
The best part? Our lenders work with all credit types. Even if you've been turned down by traditional banks or have less-than-perfect credit, you may still qualify for a personal loan through our network.
The process is simple. You apply online through our quick application form — it takes about 2 minutes. Once submitted, we match your application with lenders from our network who are most likely to approve your request. Within minutes, you'll receive a decision.
If approved, you'll be connected directly with the lender to review your loan terms, including the interest rate, repayment schedule, and total cost of the loan. Everything is transparent — no hidden fees, no surprises. Once you sign the loan agreement, funds are typically deposited into your bank account within 24 hours.
Repayment is straightforward. The lender will set up automatic debits from your bank account according to the schedule you agreed upon — weekly, bi-weekly, or monthly. This means you don't have to worry about missing payments.
One of the biggest advantages of personal loans is their flexibility. Unlike auto loans or mortgages, personal loans can be used for almost anything:
Worried about your credit score? Don't be. Many of the lenders in our network specialize in working with borrowers who have less-than-perfect credit. While traditional banks may focus heavily on credit scores, our lender partners take a more holistic approach — they look at your current income, employment status, and overall ability to repay.
If you've experienced financial difficulties in the past — bankruptcy, missed payments, or collections — you may still be eligible for a personal loan. What matters most is your current situation and whether you can afford the monthly payments.
In fact, taking out a personal loan and making consistent, on-time payments can actually help you rebuild your credit score over time. It's a win-win: you get the funds you need now, and you improve your credit for the future.
2-minute application, instant decision, funds within 24 hours
256-bit encryption, your data is never sold
Bad credit, no credit, good credit — everyone can apply
No hidden fees, clear repayment schedules
Getting started is easy. Use the loan selector above to choose your amount, then click "Check Your Rate" to begin. You'll know within minutes if you've been matched with a lender, and if approved, you could have funds in your bank account as soon as tomorrow.
There's no obligation to accept any offer you receive, and checking your rate won't impact your credit score. So why wait? See what personal loan options are available to you today.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.