Tell us what you want to borrow for. A verified lending professional will explain how loans like yours work, what lenders look at, and what to compare before you choose.
A verified professional will get in touch.
You borrow a set amount and repay it in regular payments over an agreed period.
You receive a lump sum and repay it over a set number of months, usually with the same payment each month.
Most personal loans are unsecured, with nothing pledged. A secured loan is backed by something you own, which can lower the cost but adds risk.
The yearly cost of the loan including certain fees, which makes it the fairer number to compare than the interest rate alone.
Some loans charge an origination fee, late fees or a penalty for paying off early. Ask about each.
Set by the amount, the rate and the term. A longer term lowers the payment but usually raises the total you repay.
Lenders look at both. The stronger your record, the more options and better terms you tend to see.
Payment record, existing accounts and how much of your available credit you use.
Whether you can comfortably make the payments.
How much you already owe compared with what you earn.
Larger amounts and some purposes are assessed more closely.
If the loan is secured, what is offered as security.
Several applications in a short time can count against you.
Not only the interest rate.
Add up every payment and fee.
Origination, late and administration fees.
You should be free to clear it sooner if you can.
A variable rate can change what you pay.
Know the late fees and what it does to your credit.
Replacing several payments with one, ideally at a lower overall cost.
A home repair, a medical bill or a major purchase.
Moving high-interest card debt to a fixed repayment plan.
A move, a wedding or a family expense.
Checking whether a current loan is still the best deal.
You want to understand the options before deciding whether to borrow.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
APR, fees and total repaid explained, so you can compare offers on the same footing.
Understand how your credit, income and debts affect what you're offered before you apply.
You get the options explained. Whether to apply is always your decision.
Namoye doesn't check your credit. A lender usually will when you apply, and some offer a preliminary check that doesn't affect your score. Ask which kind it is before you agree.
It depends on the lender, your credit, your income and your existing debts. A professional can tell you what's realistic for your situation.
Options may be narrower or cost more. A professional can explain what's available, and what to be careful of.
Be wary of anyone who asks you to pay a fee before a loan is approved. Fees that are part of a genuine loan are usually explained up front and taken from the loan or added to repayments.
No. Namoye is a free matching service. It is not a lender, broker or financial institution, and it doesn't make credit decisions.
No to both. A verified professional contacts you, and Namoye is free for you.
All US finance · Credit Repair · Debt Settlement
Namoye is a free matching service. It is not a lender, broker or financial institution, and it doesn't make credit decisions. Any offer you receive comes from the professional or company that contacts you.
Send your details and a verified lending professional will get in touch. Free, with no obligation.
Talk to a loan expert