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Fill out our fast and easy online loan application.
Online Personal Loans
Online loans for a better financial future. Our goal is to make sure every borrower has the support they need.
Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with TheLending.
Explore your personal loan options with TheLending
Applying does NOT affect your FICO® credit score!2
Tell Us About Yourself
Fill out our fast and easy online loan application.
Verify Your Income
Securely connect your bank account.
Get a Quick Decision1
We’ll use the information you provide to see if we can find you a match.
Same-Day Funding Available
If approved, you may receive money in your account as soon as the same business day!1
Verify Your Income
Securely connect your bank account.
Get a Quick Decision1
We’ll use the information you provide to see if we can find you a match.
Same-Day Funding Available
If approved, you may receive money in your account as soon as the same business day!1
What can I use an online loan for?
Online loans to tackle bills like:
- Car Repairs
- Home Repairs
- Surprise Medical Expenses
- Travel Expenses
How to Choose an Online Personal Loan Lender
When you’re in a difficult financial situation, an online personal loan from a trustworthy lender can help you regain control of your finances. That’s why it’s important to find the best lender for your needs.
- Speed: We want to get you back on track as soon as possible. If you meet our eligibility requirements, you’ll know if you’ve been approved for an online loan in minutes. Approved TheLending applicants may receive their online loan as soon as the same business day.1
- Affordability: Payday5 Loans average an APR of 400%. The typical APR of an installment loan through TheLending is less than half the average payday loan.4
- Customer Service: Don’t just take our word for it, TheLending is highly rated on Trustpilot and LendingTree for our unmatched customer service.3 Our Loan Advocates want to answer all your questions.
- Mobile Friendly: Apply for an online loan through TheLending on your phone or computer. Simply click Apply Now to get started.
- No Hard Credit Inquiries: Applying for an online loan through TheLending won’t impact your FICO credit score.2
Three Types of Online Loans to Know About
As you’re looking to take out an online loan, you’ll want to make sure you know the ins and outs. Here’s a breakdown of three different types of online loans you may encounter.
Typical Installment Loans:
- An installment loan can be used to pay for a large expense like a car repair.
- Installment loan principals can range from small dollar amounts to thousands of dollars.
- APRs may depend on the borrower’s creditworthiness, this can range from single to triple digit interest rates.
- Installment loans are often repaid over months, not weeks.
- The majority of installment loans are unsecured (meaning the borrower does not have to offer a car or paycheck as collateral).
Typical Payday Loans:5
- Payday Loans are short-term, high-cost loans.5
- Payday Loan principals typically range from $100-1,000.
- Payday Loan APRs can be 400% with terms that are only two weeks.5
- Payday Loans are often secured by the borrower’s paycheck.5
Typical Debt Consolidation Loans:
- Debt Consolidation Loans are typically a larger loan secured at a lower interest rate than other debts carried by the borrower.
- Debt Consolidation Loans are often for higher amounts because they’re meant to consolidate many smaller debt amounts.
- The APRs of Debt Consolidation Loans are variable. However, debt consolidation loans are only advisable if you can secure a lower interest rate than the interest rate of your other debts.
- The terms of Debt Consolidation Loans are also variable, but it is often recommended to seek a debt consolidation loan with flexible terms.
- Debt Consolidation Loans are most typically unsecured.
Still have questions? Get in touch
Email for New Customers
For questions relating to pre-application, application, and refinance:
Email for Existing Customers
For questions about an existing account, including payments:
Learn More About TheLending
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