Personal Line of Credit

All Credit Types Welcome
Personal Loans from $1K–$50K+
Terms from 1 month to 3+ years
Time to Funding as Quick as 1 Day

How LendGenius works

See If You Connect
Complete Form in Minutes
Check Your Terms
Get Funded
I want to borrow

A personal line of credit may be your first big step towards achieving your goals.

Fortunately, LendGenius can simplify the process and make it easier to get the advance you need.

Searching for a reputable lender will to work with you is not only time-consuming, it can be entirely frustrating.

This is why we partner with reliable lenders, so you can get started with confidence.

If you’re struggling with tuition payments, car repairs, or just the general expenses we all deal with on a day-to-day basis, it’s time to get the relief you need.

How It Works

There are several simple requirements you’ll need to meet before you can be approved by a lender.

LendGenius provides a simple and easy way to connect with a lender quickly and efficiently.

After a lender approves you, the lender will give you a limit so you know how much you can borrow.

Pay off the minimum balance only or make major payments to put the balance down.

Whether you need a small loan to get you over a hump or a big loan due to an unexpected catastrophe, LendGenius is here to help you connect with a lender quickly.


How Long Does the Process Take?

Our form is designed to get you approved as fast as possible.

You only have to answer questions once, which usually takes most people no more than a few minutes.

Why Shouldn’t I Use a Credit Card?

Choosing a credit card may end up costing you more in the long run due to varying interest fees.

Instead, a lender can give you a loan with a fixed rate to make it easier to plan ahead.

Will I Be Approved?

Every borrower is different and there are no guarantees, but these cash loans are designed for most borrowers, even those with bad credit.

This is a type of unsecured loan that is usually determined by your employment, banking status, and forms of identification.

Do I Need Collateral?

A personal line of credit is usually unsecured, which means you won’t have to sacrifice your car, home, or land to take out the loan.

How Does Revolving Credit Work?

Revolving credit refers to a borrower’s line of credit being renewed as they pay off their original loan.

It means that you can keep borrowing more as you’re able to pay off the debt.

This is highly recommended for people with a thriving business who need to continue spending money to make money.

I want to borrow

Now that’s genius.

Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. is not a lender or lending partner and does not make loan or credit decisions. connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless,’s service is always free to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing and/or lenders and lending partners in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize to share your information and credit history with its network of approved lenders and lending partners.

Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.

Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78

Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.