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You can get a loan of anywhere between $1,000 and $50,000 for any reason, whether it be to pay for a home improvement expense, a vacation or a relocation.

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What are you waiting for? Simply fill out our simple online loan request form, and wait to be connected with one of our lenders. These lenders often make approval decisions within minutes.

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Signature loans offer you the ability to pay a loan down over time rather than all at once. The signature loan lenders in our network will typically allow for a repayment term of six to 60 months.

What Is A Signature Loan?

Get Approved in Minutes. Just Provide A Signature! Borrow Money Based Upon Your Credit Score.

A signature loan is a type of personal loan that requires an online signature, or "e-signature." This loan can be used to meet a wide range of purposes and allows you to borrow money on the strength of your credit, often with no collateral. Signature loans carry a fixed rate and provide funds at a reasonable cost. Whether you want to pay for school expenses, redecorate your home or go on a vacation, a signature loan may be exactly what you need.

A signature loan can help in a variety of situations. Our lenders offer loans of $1,000 to $50,000 and they can be used for any purpose you choose. Qualification depends on a number of factors including your credit rating, income, debt and bankruptcy history. Most of our lenders only require an e-signature to receive a loan, though some may require a few extra steps as well.


How Do I Take Out A Loan?

Assess Finances. Shop Around. Complete Application. Read Everything Carefully

In preparing to request a signature loan, the first thing to do is assess your financial situation. Consider what you need the loan for and select a loan amount that reflects that. Many people might be denied a loan because they are looking for too much and they do not have the credit history or income to qualify. Make sure you have your personal and bank information handy because you will need that to complete an online loan request form.

If you are matched with a lender, take special care to look at the APR (annual percentage rate) attached to the loan offered. The APR indicates the real cost of a loan based on interest rates, monthly fees and any other charges. Once you evaluate your future payments and are confident you will be able to repay the loan, make sure you read the loan contract carefully and are aware of any potential consequences of the steps you are taking before you formally accept the offer.

When Do I Apply For A Loan?

Require Money Quickley? Less-Than-Perfect Credit? Don't Want To Offer Up Any Collateral?

There are many situations when it makes good sense to request a signature loan. One is when you require money within a few days to a few weeks. Signature loans represent a relatively fast source for funds, and when you need to pay emergency expenses or old debts these loans can fit the bill perfectly. Another situation is when local banks or credit unions cannot offer you funds. There is often no collateral necessary when securing a loan from one of our lenders and you may use the loan for any reason.

Requesting a signature loan also is the right thing to do when you want to be able to borrow funds securely and conveniently, as the loan request process won’t require you to fill out a pile of paperwork or waste time setting up an appointment with a banking representative.

Why Do I Need A Loan?

Emergency Expenses. Old Debts. Urgent Bills. Home Improvements.

One of the premier benefits of signature loans is that they can be used for anything you choose, and because of this flexibility, the reason why you might require one of these loans could vary quite a bit. That said, there are a few things that borrowers tend to use signature loans for more than others, and you could easily find yourself needing a loan to help you with one of these items. Among these are emergency medical and automotive expenses, paying off debt, home improvements, moving expenses, vacation expenses, major purchases and taxes.

The bottom line is that if there’s something you want, and you need quick, hassle-free financial assistance to pay for it, a signature loan can be just what your situation requires.

APR – Representative Range Explanation

The annual percentage rate (APR) is the annualized interest rate that you are charged on your signature loan. SignatureLoan.com is not a lending operation and doesn't provide loans, but it does refer consumers to reputable professional lenders who can provide quick and convenient loan assistance. We don't charge fees for this service. SignatureLoan.com does not have the ability tell you what the exact APR that your lender will charge is going to be. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.

Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a signature loan. If you should require help with any SignatureLoan.com–related services, you can contact us at your leisure.

The APR associated with Signature Loans can generally range from 6% to 36% percent depending on how it is calculated as well as other variables including any incurred fees (nonpayment, late payment charges, etc.), the term of the loan, and loan renewal options.

You can find a representative example here of a Signature Loan APR range.

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APRAmount BorrowedPeriod of LoanMonthly PaymentsTotal Amount Paid
6%$4,00024 Months$177.28$4,254.78
15%$4,00024 Months$193.95$4,654.72
25%$4,00024 Months$213.49$5,123.67
36%$4,00024 Months$236.19$5,668.55

Important Implications to Consider

SignatureLoan.com only is partnered with professional lenders who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any signature loan offer. We recommend that you closely view the terms of any loan offer you get. To acquire more details on the aforementioned considerations, please peruse our Best Lending Practices and Loan Rates sections on this website.

Financial Implications (Interest and Finance Charges)

If you get approved for a signature loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. As mentioned earlier, SignatureLoan.com is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.

Implications of Non-Payment

Accepting the terms and conditions for a signature loan offer essentially means that you are stating that you will repay loan with interest in the required time amount specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. SignatureLoan.com does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition to that, it has no control of any sort over knowledge of the loan details between your lending professional and you.

Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of SignatureLoan.com is to partner only with reputable, trustworthy lenders who pursue collections of past-due loan accounts always in a fair and reasonable manner.

Potential Impact to Credit Score

It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment will all negatively impact your credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time will negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, all loans are subject to credit approval. As such, the lender that you are matched with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

Collection Practices

Once again, SignatureLoan.com is not a lending operation, and additionally, it does not get involved in the process of debt collecting. As part of the loan documents that they provide to you, your lender will give you detailed information concerning their debt collection practices. If it is the case that you are unsure in any way of the collection practices utilized by a lender, SignatureLoan.com suggests you explore this issue with that particular lender. SignatureLoan.com has the policy of solely working with lenders who always engage in the pursuit of collections of borrowers' delinquent accounts in a manner that is completely fair and reasonable.

Loan Renewal Policies

Prior to accepting a particular signature loan offer, you will be presented with various loan renewal options by your lender. Carefully look through the lender's loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders' loan renewal policies to a significant extent.

Signature loans should not be used as a long-term financial solution. At SignatureLoan.com, we always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a signature loan after borrowing it, SignatureLoan.com advises you to closely examine different loan alternatives before you take the step of applying for loan assistance through us.