Loans - CreditLief

Not Just Credit. Financial Relief.

Personal loans for up to $35,000.

It's free & won't affect your credit.

Privacy Secured | Advertising Disclosures

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Our Simple 3 Step Process

Complete Our Form

Start our loan-finding process by filling out our safe and secure form. It only takes a few quick moments to provide us with your info. Checking available funding won't damage the score on your credit profile.

Review Your Results

Once we've received an inquiry for obtaining money, our lending providers decide on approving the request for funding by taking the details you have provided into consideration, and within a few short minutes, you’ll learn if we were able to connect you with a funding company.

Use The Money You Receive

If one of our affiliate lending partners decides on funding an approved inquiry submitted, funds might get delivered into an account at a bank you choose as soon as the following work day.

Quick Decisions

Request your loan in minutes and get a funding decision as quickly as the next business day.

No Fees for Pre-payment

You can fully prepay your personal loan at any time with no prepayment fee.

Reputable Lending Partners

CreditLief only works with transparent lending platforms to ensure you get fair offers.

See what everyone is saying about CreditLief.

Good job CreditLief. I don’t like to leave comments or testimonials on sites but in this case, I feel like I needed to. I will be returning here if I need to borrow again.

Mary E.

Downey, CA

I wasn’t sure what to expect on this site but I thought the process was very simple. I will definitely tell my friends and family to try CreditLief when they need to borrow money.

Dan G.

San Francisco, CA

I borrowed money from my bank a few years ago and it was such a hassle. I thought the process on CreditLief was going to be similar but I was surprised it was the opposite.

Lisa J.

Fresno, CA

My wife and I definitely recommend CreditLief. It was such a smooth experience and we are very thankful we were able to get the money we needed so quickly.

Michael T.

Huntington Park, CA

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Getting started does not affect your credit score.

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Online Personal Loans

Basic

Why borrow money using online lending?

Nowadays you can get almost anything online. Whether you are ordering food via Uber Eats or Postmates or ordering a mattress from Amazon, consumers can practically get anything delivered to their homes with just a few clicks. Today the same applies when needing to borrow funds quickly and conveniently as well. In the past when people needed funding, in the majority of situations, they would turn to a local or national bank to borrow the funds that they needed, but this came with some obstacles. Most banks have strict conditions that you will need to meet, and the process can take longer than most people would like. Lending online started growing so much recently in part because of how challenging it was to acquire financing from local or national banks. Funding obtained from lending companies over the internet gives people a new way to find the money needed without so much of the hassle and the process can be 100% online most of the time. Loans from lending companies online will usually not obligate you to have something of value to put up as a guarantee to get the funds you need. Credit is often the main factor dictating whether or not you are approved. Consumers can usually pay back what they borrowed in installment payments done every month over time, generally from 3 or 5 years, that are easy to manage as well. With a fixed rate that should never increase you will also get the benefit of added savings by obtaining a cheaper APR and paying fewer fees versus credit lines from cards. Most consumers choose to acquire a loan online for common reasons such as funding a significant purchase, getting rid of large balances from high-interest credit lines, improving credit ratings and much more. You’ll also receive the funds within a few days or in specific scenarios as soon as the following business day. The warmer your Vantage or FICO rating gets to the top of the scale, the lower APR that you'll be able to obtain, and the fewer charges you'll incur when getting funds. There may be additional factors you'll want to think about, and once it is said and done, one number can’t tell your whole financial story.

Is getting money via an online lender a good fit?

Today there are many options that currently exist out there where consumers can go to when requiring funds. Borrowers have the right to utilize the entire credit that is available from a card they have access to, get funds or a credit line based on the equity of a house, or maybe borrow money from a rich uncle. But not everyone owns property with equity, almost no one has a rich uncle and using the entire balance from a card's limit can harm the rating on your credit profile. As long as you are someone that has a decent rating on your credit report, a steady form of income, not have too much debt and can comfortably pay back a loan not only on time but maybe even early, submitting a request to obtain money from a company that lends online might be a good fit for you. When utilized responsibly, obtaining money from an online lender can be like rehab for your creditworthiness because online lending institutions communicate monthly to all three of the leading bureaus on customers paying back what they borrowed on time. So when you keep everything in excellent standing by paying back a loan on time, month after month, your rating will increase. If you need from $1,000 up to $35,000 for any reason at all, CreditLief is a free service that can assist you in finding the funds you need.

Important Information

CreditLief isn't a loan provider and doesn't make any decisions to approve or broker loans to lenders. CreditLief provides free tools that may help connect qualified customers with a potential loan provider. When a customer completes and submits a request for a loan, CreditLief then tries to pair them with one of their lending companies. Using CreditLief does not assure that you will be able to obtain a loan. The main benefit of using this service is saving the time of researching all over the internet and submitting multiple applications for a loan at different lender websites by instead doing it once in one place and reaching an extensive network of loan providers a lot quicker. CreditLief lending partners offer terms that vary from 61 days up to 84 months with an Annual Percentage Rate range of 4.84% to 35.99%. Using CreditLief as a tool to find a provider of funds will not hurt the credit rating on your FICO or Vantage profile.

Safety, Privacy & Security

Here at CreditLief, we take your financial security very seriously. We believe that our overall prosperity as a company and service relies on your overall financial safety and security. One of our primary goals is not only to meet but exceed the industry standards for safety, privacy and security. The truth is that you play a vital role in protecting your information as well. Scam artists usually attempt to trick the customer by deceiving consumers into believing they are work for or represent finance companies. If you ever receive a message from someone offering to sell you a service or asking for your personal information, you need to be aware that CreditLief will never contact you via email, SMS or phone call to collect the account number with your bank, any credit card information, Social Security number, or your date of birth.

If you think you have received an e-mail from us, we never ask anyone to download software. Consumers will never get a call or e-mail from us to verify or make changes to your password. CreditLief will never contact you and ask you for your credit card number or debit card info. CreditLief never contacts consumers via phone, or e-mail asking for payments for a fee in exchange for a loan or an installment payment plan. If you have concerns about whether an e-mail or phone call that seems like it's from CreditLief is legitimate, you can always contact us at 866-996-1885 to make sure. To learn more about how we protect consumer financial info, review our Privacy Policy. You can click here to access additional resources about staying safe while on the internet.

Frequently Asked Questions

What is a personal loan?

This form of borrowing cash doesn't require consumers to utilize something of value to obtain funds. Example items of considerable value may include a vehicle or a house, which lending providers can recover in case the individual who borrowed the money doesn't repay the funds accepted through the loan. This unique way to get funds is also a quick and low hassle option for people to obtain the cash they need.

Is CreditLief a direct lender?

We are not a lender. CreditLief is an independent, unbiased and free service that connects consumers looking for unsecured online personal loans with our trusted network of lenders and lending partners. Our online loan request form is intended to find a lender that will work with you, and you can decide the rest from there.

How are personal loans & credit cards different?

A personal loan is a form of unsecured credit, which means that you are not required to put up any collateral just like a credit a card. The main difference between personal loans and credit cards is that personal loans come with fixed interest rates and terms, which result in fixed monthly payments and an established pay-off date. Credit cards have variable interest rates that fluctuate over time and don’t have a fixed payoff schedule.

How much money can I borrow?

Consumers may request a funding amount that ranges beginning at $1,000 up to $35,000, but funding depends on a variety of scenarios which are decided by the lending partners currently work with us.

Does a request for a loan affect my credit?

Filling out a request form on CreditLief will not affect your credit score, however, if we are able to connect you with offers from lenders, you select an offer and decide to proceed with a prequalified rate, the lender will likely require that you provide additional information, as well as perform a hard credit pull. Hard credit pulls may negatively impact your credit score.

What happens if I don't get approved for a loan?

If we can't connect you with offers from lending partners, you may try again in the near future. Submitting an inquiry doesn't damage FICO or Vantage scores, but we recommend holding off on reattempting to get a loan until your situation has improved. Most people are not able to obtain funding approval due to a poor rating on your FICO or Vantage. If you don't know where you stand as far as your creditworthiness, you can see your credit score here for free.

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You know what they say, buying a home is the biggest purchase you will make in your life, but no one tells you what comes immediately after. Along with this big buy comes a bunch of other smaller items you will want to get as well, making the purchase of your new home more challenging than you think. Having a home budget for purchasing a home is one of the first things you may want to consider, but one of the things people forget about is creating a budget for the items that go inside that brand new house.

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