Waterloo Personal Loans Online – Apply Now

Complete a simple application form online to get personal financing from legit direct lender regardless of your credit score.

Low Rate Personal Loans in Iowa. Even if you have bad credit, you can still apply and get approved for a $5,000 – $35,000 Personal loan in Waterloo, IA. Look through the basic requirements of direct lenders and get financing the same or the next business day.

Best Personal Loan lenders in Waterloo, IA

  • Advance America

  • Advance America: 1519 E San Marnan Dr, Tel.: (319) 233-6584
  • BankIowa

  • BankIowa: 330 E 4th St, Tel.: (319) 287-4242
  • Check & Go

  • Check & Go: 2056 Logan Ave, Tel.: (319) 234-2500
  • Check Into Cash

  • Check Into Cash: 4013 Shoppers Blvd, Tel.: (319) 234-1506
  • Check Into Cash: 2744 University Ave, Tel.: (319) 236-3760
  • Check n Go

  • Check n Go: 2313 Logan Ave, Tel.: (319) 327-5366
  • Check n Go: 2735 University Ave, Tel.: (319) 327-5367
  • Community Bank & Trust

  • Community Bank & Trust: 422 Commercial St, Tel.: (319) 291-2000
  • Dupaco Community Credit Union

  • Dupaco Community Credit Union: 218 W Mullan Ave, Tel.: (319) 235-0381
  • Dupaco Community Credit Union: 1946 Schukei Rd, Tel.: (319) 234-0381
  • Dupaco Community Credit Union: 3421 W 9th St, Tel.: (319) 277-3940
  • Farmers State Bank

  • Farmers State Bank: 131 Tower Park Dr Ste 100, Tel.: (319) 287-3961
  • Farmers State Bank: 1009 Peoples Sq, Tel.: (319) 287-3961
  • Farmers State Bank: 224 W 6th St, Tel.: (319) 274-1879
  • GMAC Mortgage

  • GMAC Mortgage: 3451 Hammond Ave, Tel.: (319) 236-5400
  • GMAC Mortgage: Waterloo 50703, Tel.: (319) 234-5888
  • Great Western Bank

  • Great Western Bank: 2936 University Ave, Tel.: (319) 242-7510
  • HSBC

  • HSBC: 1523 E San Marnan Dr, Tel.: (319) 226-5478
  • Kvale Insurance

  • Kvale Insurance: 1425 W 5th St, Tel.: (319) 833-9428
  • Mister Money USA - Waterloo IA

  • Mister Money USA - Waterloo IA: 920 Laporte Rd, Tel.: (319) 287-5959
  • Quick Cash

  • Quick Cash: 918 W 5th St, Tel.: (319) 233-0449
  • Regions Bank

  • Regions Bank: 412 Mulberry St, Tel.: (800) 734-4667
  • Regions Bank: 2036 Logan Ave, Tel.: (800) 734-4667
  • Regions Bank: 224 W Ridgeway Ave, Tel.: (800) 734-4667
  • Regions Bank: 2532 Crossroads Blvd, Tel.: (800) 734-4667
  • Speer Financial Inc

  • Speer Financial Inc: 531 Commercial St Ste 608, Tel.: (319) 291-2077
  • TCF Bank

  • TCF Bank: 1111 W San Marnan Dr, Tel.: (319) 226-1700
  • Town & Country Home Improvement Center

  • Town & Country Home Improvement Center: 4920 Dubuque Rd, Tel.: (319) 349-4114
  • Us Bank

  • Us Bank: 315 E Cedar Wapsi Rd, Tel.: (319) 235-3260
  • Us Bank: 1825 Logan Ave, Tel.: (319) 235-3550
  • Us Bank: 3130 Kimball Ave, Tel.: (319) 235-3240
  • Us Bank: 425 Cedar St, Tel.: (319) 235-3254
  • Us Bank: 11 W Commercial St, Tel.: (319) 292-1386
  • Us Bank: 501 N Elk Run Rd, Tel.: (800) 872-2657
  • Veridian Credit Union

  • Veridian Credit Union: 57 E Tower Park Dr, Tel.: (800) 235-3228
  • Wells Fargo Bank

  • Wells Fargo Bank: 3065 Kimball Ave, Tel.: (319) 235-4885
  • Wells Fargo Bank: 191 W 5th St, Tel.: (319) 235-4800

What is a personal loan?

A personal loan is a type of lending that enables borrowers to quickly get money to finance their needs. Your application will be reviewed based on your income and credit history. Since this loan is often unsecured, you do not need to provide collateral in order to be approved.

How do Personal Loans in Waterloo, IA work?

These loans are easy to use and easy to obtain. In order to get a loan, you need to fill out an application. Often times, you can do this both online and offline, but of course, it is much better to use an online application. Moreover, you do not have to waste time getting to the lender’s store and waiting for hours.

By filling out a simple online form, you can send an application to the lender and get a response almost instantly. If your application is approved, the lender will contact you, thus he will tell you more about the loan offer. If you are satisfied with the terms of the loan, you can sign a contract and receive money. As a rule, the amount will be transferred to your bank account within one business day.

The loan is repaid in monthly fixed installments. Depending on the lender chosen and the loan amount, terms vary from 1 to 5 years, however other terms are also available.

The benefits of Online Personal Loans in Waterloo

  • Since personal creditors care about the safety of your information, the data is often encrypted and not shared with third parties.
  • Fast approval. Online lenders approve applications within minutes so you don’t have to wait long for a response.
  • Convenient payments. If approved, you will be able to receive money directly into your bank account the very next business day.
  • Simple application. Even if you’ve never applied online, don’t worry as the form has been simplified as much as possible. Thus, filling out the application will not take more than five minutes.

What do you need to apply for a Personal Loan in Waterloo, IA?

As you know, each lender has its own eligibility criteria that must be met in order for your loan application to be approved. Explore the main ones:

  • You must be 18 years of age or older.
  • You must have a source of regular monthly income.
  • You must be a US citizen or an official resident.
  • You must provide government-issued ID.
  • You must provide a phone number and email.
  • You must provide a permanent residence address.

Personal Loan Calculator

Every Payment (Installment) = $522 per month for 0.17 year(s) at 35% APR

* It’s the amount of money you’ll need to pay every month (or other agreed period) according to your repayment plan.

Total Paid After 2 Payments = $1,044

Total Interest Paid* = $44

* The total amount of interest over all the period of the loan.

This calculation is just a representative example. Rates and fees can vary depending on the lender. Check all the finance charges in the loan agreement before signing it

Before applying for a Personal Loans consider alternatives available in Waterloo, IA:

Personal Loans in Waterloo, IA FAQ

Are Waterloo, IA, Personal Loans safe?

Of course! As already mentioned, personal lenders take care of your safety and the safety of your data. Thus, you do not need to worry, as your data is encrypted and not passed on to third parties.

Where can I get no credit check Personal Loans in Waterloo, IA?

Some lenders offer loans without a credit check, however they charge a higher interest on the loan as a guarantee that you will be able to repay the loan. Thus, before contacting lenders who do not conduct a credit check, consider whether it is beneficial for you and also consider other options for loans without a credit check.

How long does it take to get a Personal Loan in Waterloo, IA?

Often it will take you about one working day to receive the money. So, it will take you about five minutes to fill out and submit the online form, after which you will need to wait for the lender's response. Typically, personal lenders respond almost instantly. Thus, if you are approved, you sign the contract and receive the money the next business day.

Can bad credit Waterloo, IA, resident be approved for a Personal Loan?

Often, lenders approve borrowers' applications even if they have a bad credit history. However, it is worth noting that such borrowers are risky for lenders, so they receive high and unprofitable interest rates. As a rule, the main criterion affecting the approval of applications is the source of income, so even if you have a bad credit history, the chances of getting a loan are high.