Personal Line of Credit

Connect with Top Personal Loan Lenders and Get Quick Approval

Rates starting at 4.99%
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 Qualify
Complete Form in Minutes
Compare Multiple Options
Get Funded

Applying for a personal line of credit may be your first, biggest, and best step towards achieving your goals.

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

Searching for the best rates is not only time-consuming, it can be frustrating.

It may seem like you’re never going to find the best option for you.

This is why we partner with reliable lenders, so you can apply 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 to Use a Personal Line of Credit

Those who apply for this benefit are generally those who can’t go through their bank due to their credit history.

It’s one way for you to get cash quickly without having to submit several applications for loans you may not even get.

When you need cash quickly, it’s your best chance to secure the funds you need as soon as you need them.

LendGenius can get you more than $50,000 at interest rates starting at under 5% — in as little as one day.

How It Works

There are several simple requirements you’ll need to meet before you can be approved for offers.

LendGenius will then give you an easy way to compare different lenders and their terms.

You decide which offer fits your needs best, or you can contact us to ask questions about choosing the right loan for you.

You’ll be given a credit limit so you know how much you can borrow, and then you’ll have full control over what you do next.

Once you have the money, you decide how you’d like to pay it back.

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

You can borrow more money as you pay off the loan, so you can keep investing in your business, your family, or yourself.

Whether you need a small loan to get you over a hump or a big loan due to an unexpected catastrophe, LendGenius is here for you.

FAQs

How Long Is the Application Process?

Our application process is designed to get you approved as quickly as possible.

You only have to answer questions once to get dozens of offers.

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.

With LendGenius, you can choose a fixed rate to make it easier to plan ahead.

Will I Be Approved?

Every application is different, but these cash loans are designed for those who have bad credit.

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

What Will I Pay?

Your monthly payment is dependent on a variety of factors, but you will get to choose the term of the loan as you see fit.

Whether you want to pay it off in a month or over the course of several years, you’ll have the option with LendGenius.

Do I Need Collateral?

No. LendGenius does not make you sacrifice your car, home, or land to take out a line of credit (unlike a secured 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.

How Do I Manage My Credit?

Going through LendGenius gives you an easy way to manage your credit online.

You can do everything you need to do from your account, or you can contact us anytime if you have specific questions.

Now that’s genius.

The Funding Process

Fill out a short survey.

Answer some questions about yourself to see what kind of financing you qualify for - You’ll have options in a matter of minutes.

Browse your matches...

If you want, we'll walk you through the products you matched with. Your Loan Genius is well-versed in the nuances of financing.

Apply once to browse multiple offers.

You’ll discover financing options and apply with as many lenders as you want. We don’t waste your time requesting the same information over and over again.

Compare your offers...

Now the fun part – Shop around for the right product and best rate. When lenders compete, your win big.

Get your funds!

You’re free to snatch up that office space you’ve been eyeing, upgrade your technology, or restock more of that hot inventory. With every loan payment, you’ll set yourself up for even better options with LendGenius in the future.

How We Earn Money

No catch – Our service is totally free for you, whether you fund or not.

Choose the lender that meets your needs; we’ll never pressure you to take an offer.

The lender may pay 2–5% of the total sum for the privilege of having you as a borrower.