Personal Loans

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Whether you need some extra funds for paying down debts, funding a home repair or bridging a gap to pay for unexpected expenses, Debt Free USA has you covered with our fixed rate Personal Loan. Debt Free USA works with clients with different credit histories and varying credit score ranges to help them find a solution that meets their needs.

Debt Free USA accepts Personal Loan applications from all consumers. We invite you to apply today or reach out to one of our Loan specialists to understand how a Personal Loan through Debt Free USA can help meet your financial goals.

The Debt Free USA Personal Loan Difference

At Debt Free USA, we look at each applicant and their situation individually and not just your credit score. We look for ways to work with you directly and find the best solution that meets your needs.

At Debt Free USA, we understand that a Personal Loan can be used as a consolidation loan, a home improvement loan, a vacation loan, or even a loan to cover an unexpected expense and we are dedicated to helping you meet your objectives.

Debt Free USA has helped thousands of client’s secure loans and other debt solutions with both high and low credit scores. Give us the opportunity to help you and reach out to a Loan specialist today.

The Debt Free USA Personal Loan Process

When you apply for a Personal Loan with Debt Free USA, you can be assured that we take the time necessary to review your complete application prior to making any decision. As a potential client, we take pride in being able to make sound recommendations that will help you toward a successful financial future. Here are the steps we take to ensure a positive Personal Loan experience:

The Debt Free USA Personal Loan Process

When you apply for a Personal Loan with Debt Free USA, you can be assured that we take the time necessary to review your complete application prior to making any decision. As a potential client, we take pride in being able to make sound recommendations that will help you toward a successful financial future. Here are the steps we take to ensure a positive Personal Loan experience:

Step 1

Personal Loan Application

Step 2

Client Consultation

Step 3

Loan Approval

Step 1: Personal Loan Application

As a potential Personal Loan applicant, we invite you to submit an application for a Personal Loan, which can be found here.
Your application will be reviewed with three business days by a Debt Free USA Loan specialist. We will review not just your credit score but also your credit history, which includes existing debt, monthly payments, and payment history. We will look for opportunities to work with you, whether it be though a Personal Loan, Debt Consolidation Loan, or Debt Negotiation solution.

Step 2: Client Consultation

After we receive your loan application and thoroughly review it, we will reach out to you to have a discussion on the loan amount you are requesting as well as your fixed monthly payment budget to ensure we find the right solution for you.
We will have a discussion on additional debts within your credit history such as any credit card debt, home equity lines of credit or home equity loans, mortgage, or other short-term loan. We will review your short term financial goals as well as your long term goals to ensure we can meet your objectives. Our Loan specialists are consultative and solution oriented to enhance your experience.

Step 3: Loan Approval

If your loan is approved, we will work to fund it as quickly as possible. We look to hold strong communication with you to ensure a positive experience throughout the process. If your loan is denied for any reason, we will continue to work with you to identify an alternative solution that still meets your goals and budget.


How You Can Use a Debt Free USA Personal Loan

With our Personal Loans, you may choose to use the approved funds in any way you see fit. Some of our clients use it as a tool to pay off existing credit card balances, finance home improvements, or even pay for everyday expenses without taking a cash advance on an existing high interest credit card. There are no restrictions on how you can use this loan.

What Credit Score Do I Need to Get Approved?

Unfortunately, and fortunately there is no true answer here. Some of our clients have a high credit scores but can’t afford additional debt while others have a bad credit score, get approved and can use this loan instead of a high interest pay day loan. We encourage you to apply so we can review your application and help you find the best solution for your goals and budget.

Why Apply with Debt Free USA Versus My Bank?

At Debt Free USA we review every application personally and look for reasons to work with clients. We spend the time reviewing your credit score, credit history, application and other deciding factors to be able to come up with a solution that will meet your goals and budget.

We don’t believe in automatic decisioning because we believe that you deserve the best opportunity possible, which only an in-depth review can do.

What if I’m Denied a Loan?

We will only know you are denied if you submit an application. We want to work with you, and we will take great measures to find a solution to meet your financial objectives. Many of our clients who have been denied a Personal Loan are offered other debt opportunities that meet their goals.

A Personal Loan is only one product that we offer, so please submit an application so we can provide you an opportunity to financial succeed through a Personal Loan or a complementary solution.

Should I Look Into a Bad Credit Loan or Payday Loan?

We encourage you to apply with Debt Free USA first before looking into high-interest loan alternatives. More often than not we are able to find a solution that meets the financial needs and budgets of our clients even when they thought they wouldn’t get approved.