79 loan
79 Loan (79loan.com) is a free online loan-request service that connects U.S. borrowers with a network of third-party lenders. You fill out one short form, and participating lenders may offer personal loans with APRs from 4.95% to 35.95% and terms from 65 days to 84 months. 79 Loan is not a lender itself and does not make credit decisions. Submitting a request does not affect your credit score.
79 Loan is a loan-matching platform. It does not lend money directly. Instead, it sends your request to lenders in its network, and any lender that wants to work with you can make an offer. If you get an offer, you see the rate, fees and repayment terms before you sign anything. You are never required to accept.
Borrowers use 79 Loan when they need money for things like:
| Feature | Details |
|---|---|
| Loan amounts you can request | $100 to $35,000 (offers depend on the lender and your profile) |
| APR range | 4.95% to 35.95% |
| Repayment term | 65 days to 84 months |
| Cost to use 79 Loan | Free. No fee to submit a request |
| Credit check | Soft inquiry to submit; a lender may run a hard check before final approval |
| Funding speed | As fast as the same day or next business day after you accept |
A $2,500 loan repaid over 12 months at 10% APR with a 3% origination fee has a monthly payment of about $219.79. Total repayment is about $2,637, including $137.48 in interest. Your actual rate and payment will depend on the lender, your credit and your income.
Yes, you can submit a request with bad or fair credit. Some lenders in the network work with borrowers who have lower credit scores and look at income and bank history too. Approval is not guaranteed, and borrowers with lower scores usually get higher APRs. Compare the total cost of any offer before you accept it.
Service is not available in all states. Lender requirements vary.
A personal loan is a debt you must repay. Late or missed payments can lead to late fees, collection activity and damage to your credit score. Only borrow what you can repay on time. If you are dealing with serious debt problems, consider talking to a nonprofit credit counselor before taking a new loan.
No. 79 Loan is a free loan-request service. It connects you with third-party lenders, and the lender you choose makes the credit decision and sets the terms.
Submitting a request on 79 Loan is a soft inquiry and does not affect your credit score. A lender may run a hard credit check with Experian, Equifax or TransUnion before giving final approval.
You can request from $100 to $35,000. The amount you are offered depends on the lender, your income, your credit and your state's laws.
The form takes about 2 minutes. If you accept a lender's offer, funds can arrive as fast as the same day or the next business day.
Yes. There is no charge to submit a loan request. Lenders may charge interest and fees, which they must show you before you sign.
79 Loan protects its forms with 128-bit SSL encryption and shares your information only with lenders and partners as described in its Privacy Policy. Always read the lender's agreement, check the APR and total repayment amount, and never pay an upfront fee to get a loan.
Disclaimer: 79loan.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited. State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states. This website collects personal information and transfers it to its third-party partners. The website contains links to third-party websites. Accessing them may result in a commission. Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first.
1041 4th Avenue, Suite 302, Oakland, CA 94606
here at 79loan.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you. the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement.
minimum : 65 days
maximum : 84 months
if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month. the total amount payable will be $2,637, with a total interest of $137.48.
we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. it is your lender that will provide all the necessary information about the cost of the loan. it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. our service is free of charge, and you are under no obligation to accept the terms that the lender offers you.
when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. in the event of non-payment, additional charges may be applied. late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. for more information, please contact the lender directly if you have any issues relating to your loan repayment.
we are not a lender and we do not check your credit standing and credit capacity. when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. however, some lenders may carry out a credit check to ascertain your eligibility for a loan. most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score.
we are not a lender. as such, we are not involved in any debt collection practices and cannot make you aware of any of them. your lender will specify their collection practices in your loan agreement. if you have any questions regarding the issue, please, address them to your lender. for more information visit our page for responsible lending. our itself isn’t involved in debt collection.
loan renewal options are not always available. it is therefore advisable to clarify whether the option is available with your lender. be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.