3 Best Low Interest Personal Loans
ฝัง
- เผยแพร่เมื่อ 25 มี.ค. 2018
- LightStream Loans (My #1 Pick): bit.ly/lightsteam_loans
(I may be compensated by LightStream through this link.)
Compare the best personal loans at Bankrate: bit.ly/hf_bankrate_personal_l...
(see description for ad disclosure)
The best personal loans I found were American Express personal loans, SoFi and LightStream Loans. I'll cover them each in-depth. Each of these personal loan companies have pros and cons, so I'll cover each of them and I'll let you know how I feel about their loan options. It was very hard to find low interest personal loans online, because there are so many to choose from. But these lenders don’t charge any dirty origination fees or pre-payment penalties and they have instant approval, which is sometimes hard to find.
LightStream Loans: bit.ly/lightsteam_loans
American Express Personal Loans: bit.ly/amex_hf
SoFi: Asked that the link be removed :(
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Advertiser Disclosure: Honest Finance participates in affiliate sales networks and may receive compensation by clicking through the links (at no cost to you). This compensation may impact how and where links appear in this description. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This channel does not include all financial companies or all available financial offers.
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#honestfinance #personalloans
Thanks for watching this video on personal loans
Watch more loans/interest videos: th-cam.com/video/1CpSMo7To2U/w-d-xo.html
I'm Tony Martino, the chief financial officer of lendingpoint, which you might know of, you can contact me on my mail for enquires to get a loan, and this only valid for people in the United States with some requirements
Honest Finance what can I do can’t pay that
Honest Finance how about a 20000 debt
Call them and try to re-negotiate
Dont 90% of ur views have bad credit andmoney problems?
3:07 straight to the point
Sorry
Ty
He has nice eyes so it's worth watching to the whole video:-)
Now this is what they need to teach in school!
This Ch is the key to life please please please upload more and never stop
If you really mean what you say, then thank you. I’m trying hard, but it’s hard to grow on youtube
I have click on almost every video about this topic and yours by far was the most simplified with the best information!!! ❤️ the video!!! Thanks!!
Thank you. Here’s a link to the 2019 personal loan video if you want to watch it too ;) th-cam.com/video/T8yPe-_kUVg/w-d-xo.html
The rates are more up to date on the new video
@@HonestFinance do the lenders ever follow up and make sure you spent the loan on what you said it was for?
3 Best Personal Loans.................................Mom.................Dad......................That guy with the leopard printed suit and suede fedora.
HA HA HA 😹
Ed Jones
This doesn’t apply to black and Hispanic kids.
@@a_uchiha5954 So you think you stupid moran!
Familia Reggie oh the irony...
Great info...short and straight to the point. Thanks for sharing!
You’re welcome ;)
From Africa Ghana am looking for business partner this my whatsapp number +553979692
Thank you Jason for the information it was quite helpful
You’re welcome
Thanks for what you do. So valuable
Thanks. Here’s a link to my new personal loans video if you have any interest. I cover a couple other companies th-cam.com/video/T8yPe-_kUVg/w-d-xo.html
I borrowed 15k from lightstream for 2 years at 3.09%. This helped me reduce my overall debt significantly as part of wealth building strategy. I highly recommend!
Frank Hernandez what was your credit score range?
@@DK-uu4fh my credit score was about 730. If yours isn't that great you should still check them out, because you won't find much better! Good luck! :)
That’s awesome I hope I qualify, because I’m in need of cash for something I guess is considered personal loan, I do have enough to win this auction thing for sure but my money hasn’t come yet and it ends literally sometime tomorrow :T
What was your monthly payment
@@frankhernandez693 do you have to be a uk citizen to take a loan?
Thx for the vid. Subbed and liked. Two questions...when shopping, are these all hard pulls on your credit and I'm considering a personal loan for consolidation from Wells. Any pros and cons about Wells? I bank and have cards with them. That's why I'm leaning there.
Amex and SoFi were soft pulls and lightstream was a hard pull. Wells is probably a hard pull, but at least check the others out first. Wells rates might not be as good
Just check the terms. That’s the only way to tell if it’s worth it or not
Thank you so much for this info. Extremely helpful
You’re welcome :)
Simple to the point video 👍
Thank you
Thanks for this video. I watched it and decided to go with sofi and was literally funded in less that 24 hrs! They have fair rates and I never would have chosen that company if not for your video. TH-cam is amazing..
Glad the video helped! They’re a great company
What is SoFi guidelines if your credit not the best?
What docs did they ask for ?
Really helpful video! I appreciate it bro and I'll for sure use your link! Got a new sub as well!
Thanks!! I think SoFi is my only affiliate link ;)
thanks for the helpful info
No problem. Here’s my latest personal loan video if you have any interest. th-cam.com/video/T8yPe-_kUVg/w-d-xo.html
I used SoFi a couple years ago and it was painless. Went really smooth and no hard inquiry to check your rates.
Ya they’re good for sure
How much did you borrow , and did you have a lot of Credit History ?
Bro great video I was looking for a personal a loan for a back yard project so perfec
Hope it helped :)
Thank you so much!
Fantastic Video, I would be cool know out of those 3 which company would be best for each specific type of loan.
Ya. They each fluctuate based your specific needs.
Nice video, Jason! Great comprehensive video on three very viable options. Never heard of SoFi before, now I'm digging into them. :)
SoFi is pretty cool. I hope to refinance the mortgage with them once rates go back down.
I’m filming your stuff today :) Just make sure if you have photos in your video, that they’re good w copyright junk. Thanks Kai
Great! Excited to see how this turns out.
Your videos are great. Maybe the video will go viral and you’ll get 50,000 subs :)
You’ll have to tell me your results a few weeks after. I’m curious considering I only have 600 subscribers
Can I pay it back right the way if I don’t need it after I loan it?
Based on your advice I checked multiple lenders for a personal loan. I got a good rate at Lightstream, and the process was so easy. Thanks
Good to hear!! I went with them too because their rate was the best
A bank is a place that will lend you money, if you can prove that you don’t need it.
Am I able to get a personal loan with no credit?
9:36 "new text layer" Oops
Thanks for helping
Thanks. Hope you learned something
I actually used American express personal loan the other day for buying a car. I took the 36 month term, great credit score... I plan to pay every week... my plan will pay off a 1 year old car in less than 2 years.
hey loved the vid; what's the minimum credit score SoFi requires? thanks
They all require high scores. Watch my newest personal loan video too because I’ve got two options that don’t require excellent credit scores. th-cam.com/video/T8yPe-_kUVg/w-d-xo.html
@@HonestFinance what number though they require minimum?
I’m not sure. You’ll have to ask them, sorry
This is great information. I wish I'd seen this before I got my personal loan. Do you mind if I share this video on my blog? I write a little about personal finance for beginners, and I want to add it to my next post about Lending Club, if that's okay.
Go right ahead!! I’m all smiles for sharing as long as it’s through TH-cam embedded players. Lending club is a good one. Thank you for reaching out and send me a link when the post goes out. Thanks
Did you ever make this article?
Great job!
Great information, thanks
Thanks for watching and please share the video if you feel so inclined ;)
Am Paul from Africa Ghana am looking for business partner this my whatsapp number +553979692
Pre approved is not the same as pre qualified.
Due to my financial struggles from making a bad investment I’m in debt about 11k and that killed my credit...went from 700’s to 400’s literally ... I need a company that can help me out ASAP ..interest is killing me and can’t keep up
jacob norman wow thanks man I appreciate this really do
Actually his page seems very shady
What did you end up doing ?
J elevate keep making my payments the way I have been ....can’t seem to find a trust worthy source smh
Thank you very much for the informative video. I'm considering a debt consolidation loan, is it actually classified as a debt consolidation loan or would it be a personal loan?
It’d be a personal loan under the category of “debt consolidation”. They have different rates based on what you intend to use the money on
I clicked on your lightstream link, applied for a personal loan, wish me luck!!
Good luck!!
I? Bro I am in the process I need a personal loan for a house project which of the 3 options you recommend please respond??
If you have good credit go with SoFi or Amex. I have links in the description and I think SoFi will give you a bonus if you use it. Good luck!!
Somebody HELP: if I wanted to take a personal loan (say 25,000), would any of these 3 let me pay off some debts, buy a small parcel of property, move my mobile home, and a few other odd and end things? I want to do a lot and would rather do it at one time and have 1 note at the end of the day instead of 5 notes going out all over the place
Just call em and see what qualifies
thank you, thank you, thank you. best video about this subject by far.
Thank you
This is a great video. I was in debt and I chose to consolidate by debt but it put me more into debt. The best resolution from my experience is to budget your money and pay of your credit cards.
Thank you!
;)
Am from Africa,Botswana which company is best to get personal with no origination fees
None of these three have an origination fee
Hello Honest finances.. Do you recommend getting a personal loan on auto repair?.. My car is running rough and the poor thing needs alot of work. Expensive work. ? What do you think.?
Big auto repair shops usually offer financing that’s cheaper than a personal loan. I’d look into that first
@@HonestFinance wow i did not know that. Thanks...
Yup. Just check w big dealers and make sure to price match their work when you get a few bids
Daniel Coronado This man just fund my Account with enough money and he never charged an upfront fee. Text *Hess0222* on instagram to get yours done
Awesome video🌱
Would love to see a 2024 edition. This was perfect
Hey. I'm thinking about a personal loan because family and friends dont want to/cant help me.
I work in construction and the nature of that beast is layoffs, short projects, or injuries.
Now, I have never had any kind of loan or credit card, so rule out debt from that equation.
I have no credit to speak of, well, maybe a medium level 600's.
I need a small personal loan to pay rent and expenses while waiting for the next job to start.
Can any of these help?
I’d recommend getting a job between jobs because the interest rate will be too high w no credit
Honest Finance Thanks for replying so quickly. I'm trying to look for a part time in between. Easier said than done in LA.
Rent's due next week. I need something right away.
Do what ya gotta do, but pay off the loan ASAP. Personal loan rates are too expensive if you have bad or no credit. You can always apply and see what’s happens though
I paid a personal loan with SOFI in 3 months (6,000 to pay in 36 months), however I applied for a 9,000 loan after and I got denied (my credit score is 721 experian), I believe I was punished for paying earlier :(
They don’t have pre payment penalties, so there shouldn’t be a fee (that I’m aware of)
guadalupe beltran This man just fund my Account with enough money and he never charged an upfront fee. Text *Hess0222* on instagram to get yours done
@@xxmonsterxx745 scammer
I shopped all the lenders you mentioned and then some for a personal CC Debt Consolidation loan. Lightstream for sure had the best rates and terms for me. I applied on Friday and was approved Monday Afternoon with my funds in my bank account Wednesday. It was an easy process everything was done online. Your are correct loans between 10-25K get the better rates. Plan on paying it off ASAP now that I have a reasonable rate not a 23-26% CC interest rate. Thank You Sir for the Lightstream recommendation.
You’re welcome!! Lightstream is really good overall. I’ll be doing a lot more videos about their loans in the coming months
Credit card consolidation is on my list of videos to make
@@HonestFinance You actually saved me a few thousand compared to the other lenders you mentioned. I had never heard of Lightstream before, but I'll be recommending them now to everyone I know. BTW I have an AMEX card and they still beat them by 2 points so it was a no brainer. Appreciate all your info looking forward to all your new Vids.
Thank you for sharing your experience. It’s awesome to hear others have benefited from my advice!! Just share my affiliate link that’s in the description, cuz that’ll help support the channel ;)
Def like the video how do u check if the company is reputable
WHAT IS UP! LOVE IT! SCARES ME EVERY TIME!
I’m so confused
Honest Finance you always start off your video with "what's up!" and it always catches me off-guard
Funny. Sorry to scare you ;)
My first 10 min video :) So much harder to complete
Honest Finance you script it right
What if you have bad or fair credit is there a possibility of getting approved with sofi or lightstream?
You can always try, but I’m pretty sure they’re looking for high credit scores
Honest Finance thanks for the follow up!
Same here my credit is in the 600’s I want a purchase a $15-20k car. But I don’t know if they’ll approve me
Thanks 🔥🔥🔥
You’re welcome. Hope it helped
Thank you :)
;)
What do you guys think of TD Bank express loan?
I had an auto loan with them once and they’re good. I just looked into their loans and it’s legit. I’d 100% be okay with them. Just check about two others as well , because you never know who will have the best rate in the end. Are they Canadian only for personal loans?
@@HonestFinance They actually declined me for some reason considering my credit is great, but I'll try Light Stream and hopefully they will help me out. Hopefully they don't decline me either. Thank you so much for the help though! You're awesome!!!
@@HonestFinance Light Stream declined me. Maybe I should try with a smaller amount?
Sorry, it happens. Here’s my link to lightstream for you. bit.ly/lightsteam_loans And if they don’t work, let me know cuz I’ve got one more option
@@HonestFinance What if I say I want to get money for auto stuff or to start a business but I don't use it for that? Will they know that and get me in trouble somehow?
I want to know how can I get loan for starting a business?
Deeply happy I come across this trustworthy vendor been a second time of getting CC from him Robert Josh Chris
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Hi text Micheal on 5409998138 he’s an expect 💯💯💯💯💯💯💯💯💯💯 I got 35k$ within 10 minute all thanks to him for helping me out
@4:10 mark the same thing happens to me when I'm looking at the local staffing agency , I get an email within the hour offering available jobs. I can go 3 months without visiting their site and not receive a single email
The whole point to get a personal loan this time is to eliminate several credit cards. As in pay off balance and close accounts. And the remaining cards keep for actual events where funds are needed right at the moment.
Ariez Good call. Here’s my video on credit card consolidation if you have any interest. It might help th-cam.com/video/Cyj8g1UJNLw/w-d-xo.html
I have tried everything everything i have done i got denied on everyone my god what im i doing wrong
Just pay bills on time and it’ll go up
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Do you need a quick and reliable loan to pay bills or start a business? It offers both personal and business loans to meet your financial needs with a low interest rate of 3%. Contact us today via williamsloanfirm00@gmail.com
Yes I need a loan really bad I've tried everything nobody will loan to me
Bank of America charge me 3% interest rate with 18 month term
great video..
Thank you!!
I worked for a big personal loan company last summer and the majority of their loans were people in credit card debt. With their formula you also got lower rates if you selected Debt Consolidation too.
Good to know. Thanks
Thanks you for that information
He’s right. Debt consolidation is one of the lowest rates for a personal loan
Can my husband get the loan & put me on the card as an authorized user so I can pay for my nursing school? Please reply back!
You can usually both apply for the loan and have both names on it. My wife and I both are on our lightstream loan
Honest Finance thank u,but I’ll get denied since I have bad credit.
@@jazzblackvalcin3097 then my pay your god damn credit
Is a personal loan good for consolidating student debt? I have 6-7.6% rates!! ahhhhh
No. Do a student loan consolidation. Try SoFi
Hello what should I put as my zip code on lightstream site?
Exelente ..!!! 👌👌👌👌👌
What’s the best bank to have to get a loan from someone on Instagram ?
Capital one
How bad does your credit score get if you're approved to accept an American Express Personal Loan?
An approval won’t affect it. If you actually take out a loan, then they’ll pull your credit
Honest Finance thanks! Do you know how bad they'll pull your credit? Does it depend on the amount you take out ?
I have no idea. I’d assume it just nicks you, then goes back up in about three months. It’s not a big deal
It’s normal if you finance anything
after a few months of paying your score will go up
Hello this is Peter badjie and I'm looking for a personal in Europe to start a small so can you please help to find out the best one's?
Can you use a personal loan to buy a home that would not be possible to purchase due to the home not passing inspection? Any of these companies you mentioned allow the money to be used in this way?
Most likely not
My credit is terrible but I need a loan what should I do?
Wait until your credit goes up. It’s not worth paying 30% or more on borrowed money
@Warrior Trading How do you determine what amount of a loan with a fair credit score and have been paying your credit cards on time and building your credit score. I need to pay off some credit cards and I need money for a Major car repair. Please can you please help me to decide what to do.
A good research.
Ty
@ 2:43 i knew it was time to click off. no high credit score over here yet. 😂
Sorry. I’m doing a video in the next few weeks on personal loans and some don’t require high credit, so check back in a few weeks ;)
Dude you are constantly saving my ass with this information. Thank you lol!
You’re welcome! Glad I could help :)
Hallo!Sir, can I get this loan internationally?
I’m not sure. You’ll have to look into each companies policies
Yes,actualy I am tryung to get loan but didn't succes from any institut.
Finally I need loan.
Im only 5'9 .5
Happens when the mail is enveloped?
What you think of Wells Fargo they have minimum amount is 3000 for a personal loan.
Just check the rate and terms to determine if they’re any good
what is the lowest credit score I can get a personal loan?
Probably about 670. Watch my newest personal loan video cuz I cover a couple companies that require lower scores. th-cam.com/video/T8yPe-_kUVg/w-d-xo.html
I would like to get a loan for my business but I have a car eviction on my history due to my ex husband not paying the bills. How much can I get and where to apply ?
How’s your credit now?
Personal loans??..i can help you. Here my phone whatsapp+573175588949 ...●only eeuu●
Scott paid my credit debts and loans in just one day. He’s a debt relief expect and I got his contact from a verified debt relief forum
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Do anybody know someone who do loans without Wells Fargo bank holding the money before it goes into your account ?
would you recommend TD for someone with fair credit and a some inquiries?
They might accept your application. Try Marcus too
Scott paid my credit debts and loans in just one day. He’s a debt relief expect and I got his contact from a verified debt relief forum
5409998138
I regret asking for the personal loan from Lightstream ,it came as a hard inquiry with name Suntrust bank Dba Li. Am so angry that they could do that. To add more salt to the injury , I was even denied .
I just have to ask my credit union or get from Amexpres when am preapproved. Thanks for your info .
Sorry. SoFi and Amex do soft pulls on your credit
Can I get a personal Loan if I want a car? It’s older than 10 years so the bank won’t finance me
Lightstream does auto loans and I don’t know how much they care about the age. A personal loan costs more than an auto loan so try that first. Here’s a link. bit.ly/auto_loans_ls Let me know how it goes and good luck!!
Thank you! I’m 20 with a 670 credit score and just want an old car for the weekend! I’m just nervous about high interest rates or not being able to pay ahead of schedule! I appreciate the quick feedback tho! Earned a like!
I know how you feel, but just remember that you don’t have a high interest rate unless you sign the papers :)
If you have high revolving debt (credit cards), does it make sense to get a personal loan to pay of other debt (like student loans) so that you can have more money every month to pay off the credit cards?
No because the rates on your student loans are lower than any personal loan. You could pay off credit card debt if the rate is better, but you have to change your spending habits too. Otherwise you’ll end up in a worse position
I got my loan with Lending Club and my rate was low
Can my husband gets it for me so I can pay my nursing school?
Probably should be fine
Honest Finance ohhh ok thx a lot 🥰
But will you still get a loan even if you have a poor credit score?!😞
Of course you will, but it’ll be the worst interest rate on the planet. Don’t do it
Tamil
Nope
Awesome 💝👍👍👍
I want to go with a business loan , SMall medium enterprises loan . Could you recommend me with the best lender and other benefits from state of California if I want to open it .
Please edit Mark number one more time
Man, it's impossible for me to get a loan anywhere. My credit score is above 750 but I'm an independent worker. I tried your two options (I don't have an AE card) plus Marcus and lending tree. Where else can I go to get a loan where the chances of getting approved are higher? I don't care about the fees and stuff like interest.
My last option is personalloans.com , prosper and lending club. Good luck!
@@HonestFinance Thank you so much, you're an angel! I'll definitely check them out.
@@HonestFinance I still got declined. Should I just try got a lower amount? My credit score is above 750.
That’s your only option
You should really try upstart
Hello, I have a $2,000 credit card debt. I pay the amount that is needed to pay every month but it doesn't seem to but bring my amount down. I was thinking of getting a personal loan to help pay it off. Is this the right way to handle it? Any help would be great
If it’s a better interest rate, then it’ll help. But don’t go back into debt on the card, otherwise you’ll have two bills
@@HonestFinance ok got it. Thank you so much for the help.
Yup :)
@@HonestFinance can you help people with no credit history?
Yes. I’m in the process of making a video on growing credit from scratch
It's ironic that you put this video up today. This past weekend I had been looking at the possibility of a personal loan. Credit Karma suggested that I had "very good approval odds" for a $5,000 short term loan but after reading the reviews and that the interest rate could be as much as 35.99%, I decided against it. However, I have a good relationship with a local credit union that I have my home mortgage and car loan through that I'm considering going and talking with. I figure I have a better chance with them because I have a history with them and it's a good, on time with payments history.
Even if you have a relationship, they’ve still got their set rates. Try these guys out. You’d be surprised
I'll check into it, but I'm not sure if I'd get approved. I remember you saying towards the beginning of the video that with either of these three places, you have to have a high (or higher) credit score. The other reason I was leaning towards my local credit union is because of my credit store (currently 534.. ugh) but I'll still give a look at these guys. :)
They do require high scores, but you can always try and see what happens
what about *UPSTART* have you heard of them? any suggestions?
Their rates start at 8.36% which is not as good as the companies I mentioned.
However, they do a soft credit pull, so you can at least see what they’ll give you along with the others too
So there is no loan place that will help anyone with a credit score below 500?
Not unless you do payday loans which is a total rip off
@Abi Makin scammer
What about 50k, a score of 700 & up, over the max time
I’m sure you could get a loan of $50k with over 700
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@@HonestFinance
For 100k would it be unsecured?, I did reach out to lightstream, & mentioned my information, but they wanted me to submit a(n) application, but I dont want the inquiry. Is it anyway I can find out if I could be pre-approved?
I think 100k is still unsecure. Everybody will hit you w an inquiry when you apply. It’s not a big deal and your credit will just go back up in a month
What would you recomend for a 625 score to buy a semi truck?
I’d look into auto loans if they finance semis. Don’t do a personal loan on an auto loan though
this is great info but what about people that don't have a perfect credit score? what are the best options for them
That’s another video I’ll have to make ;)
try Avant
Thanks for the info. Fix your hair and dress more professional if you want to make it here. Trust me, make 15 vids like I explain. Test it and you will see the change
Thanks for the advice. My hair is always a mess :)
@@HonestFinance hair's fine, maybe just wear a dress shirt. Because your very good at what your doing. I'm hearing impaired and your speaking so clearing that I can understand you & very professional. The advice regarding business like clothing is good advice 😉 might be uncomfortable but you'll be taken even more seriously.. Ty for the video
Some people are so fuckin hard to please
YOU ARE GETTING FREE INFORMATION and you are concerned about the dude hairstyle
I dont think this is a dating web site
Damn
I just want a 2k loan from my bank to buy a car
Use credit unions. They have better rates
@@HonestFinance would it be possible to get it from my bank. I have no credit history but i am employed and make 260 average per week. I only have 2 bills car insurance and phone. Do you think id get approved?
@@HonestFinance plus its cash i need
You can always try. There’s nothing stopping you, but the rates might be really bad
@@HonestFinance the rate is average of 3 to 4 %
do you know if american express does hard inquiry for caldholders? when applying for persona loan?
They probably do in order to make sure the loan is more secure
I could be wrong though. You could call and ask
Whats consider high .low and meduim amount of money to ask to borrow ?
I’d say between $3,000 and $25,000
boro cash $50-$2k
Scotthack95 on Instagram got me me help bro