Tell us what you need
Amount, purpose and a few short steps. About five minutes.
Personal loans
Personal loans, matched to you.
Borrow $350 to $4,500 for almost anything, then compare real offers from a nationwide network of lenders before you commit. Fixed terms, clear numbers, no fine print.
Fixed monthly payments
What is a personal loan?
A fixed loan you pay back in steady installments.
A personal loan is a fixed amount of money you borrow and repay in equal monthly installments over a set term. Unlike a credit card, the rate and payment are set up front — so you know exactly what you'll pay each month and when you'll be done.
Most personal loans are unsecured, meaning they aren’t tied to your car or home. Lenders set your rate and terms based on factors like your credit profile, income, and the amount you request — which is why comparing offers matters.
How it works
From request to funded — all online.
Lenders respond
Our network sends back real offers, each decided independently.
Compare in plain numbers
APR, term and total cost — all shown, side by side.
Get funded
1–3 business days with your lender after you sign.
How it compares
Personal loan vs. the alternatives.
A personal loan isn't the only way to borrow. Here's how it stacks up — so you can pick what fits.
| Personal loan | Credit card | Payday / storefront | |
|---|---|---|---|
| Typical APR | 6–35% | ~20–30%+ | Often very high |
| How you repay | Fixed monthly installments | Revolving minimum payments | Lump sum, due quickly |
| Best for | Planned expenses, predictable payoff | Everyday, flexible spending | Very short-term cash gaps |
| Keep in mind | Rate varies by credit profile | Easy to carry a balance; interest compounds | Can be very expensive; risk of debt cycle |
General comparison for education only; not financial advice. Actual rates and terms vary by lender, product and your credit profile.
A good fit when…
Is a personal loan right for you?
Personal loans work best when you want a clear, fixed payoff for a specific need — not open-ended spending.
- Consolidating higher-interest debt into one fixed payment
- A planned expense — car repair, medical bill, home fix
- You want predictable payments and a set payoff date
- Maybe not if you need open, revolving access — or can repay within a card's grace period.
Before you borrow
The numbers, and the fine print we don't hide.
Through the UTF network, personal loans run from $350 to $4,500, with terms from 3 to 60 months and APRs from 6%–35% — set by the lender you choose, based on your application. You'll see the full cost of every offer, including any fees, before you sign anything.
Comparing your options doesn't affect your credit score. Short-term credit is an expensive form of borrowing and isn't intended as a long-term financial solution — please borrow responsibly. UTF is not a lender.
FAQ
Common questions.
Does checking personal loan offers hurt my credit?
No. Comparing your options through UTF doesn't affect your credit score. If you continue with an offer, the lender may check your credit.
Is UTF a lender?
No. UTF is a loan-matching marketplace. We connect you with lenders in our network — you compare offers and choose the lender you want to work with.
Will I be approved?
Approval is determined by each lender based on your application. UTF does not make lending decisions and cannot guarantee approval.
How fast can I get funded?
If you choose an offer and complete the process with your lender, funding often arrives in 1–3 business days — timing varies by lender.
See your personal loan offers.
One request. Real offers from a nationwide network. No obligation.
See your matches