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Answers to Frequently Asked Questions

Q: My credit is not so good. Will I have a problem achieving approval for a personal loan?
A: United Personal Loans specializes in helping individuals with bad credit get approved for unsecured personal loans and debt consolidation loans. You can get approved for a bad credit loan even if you have recently experienced bankruptcy, foreclosure, repossession, and/or divorce. We even help those with no credit!

Q: What kind of interest rates should I anticipate?
A: The rate you receive for your loan will depend on a number of variables, with your credit history being the main influence. The duration of your loan and the loan amount are also significant determining factors. Use the payment calculator to calculate what your payments may be.

Q: Once I receive an approval, how long does it take for me to receive my money?
A: Typically, you will receive your funds no later than 24 hours after your personal loan approval is granted.

Q: How much can I borrow?
A: The programs we offer will lend between $100-$45,000. Like the interest rate of your personal loan, the maximum amount you can borrow will depend on your credit rating as well as several other variables.

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When looking to take out a personal loan, it is extremely critical that you obtain a copy of your credit score. You need to eliminate the possibility of mistakes with your credit score that could hurt the interest rate you receive -- or cause your application to be denied. Click the link to obtain a free copy of your credit score.

Q: Do you offer loans for consolidating debt?
A: Yes! We offer unsecured debt consolidation loans for good and bad credit. Learn more about the benefits of consolidation.

Q: Does having a co-signer help in getting approved?
A: If you have bad credit and a co-signer with good credit, your chances for bad credit personal loan approval increase.

Q: What exactly is the difference between an unsecured loan and a secured loan?
A: Click here to compare these two types of loans.

If you have any additional questions that are not answered here, please contact us.


 

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