 TITLE: Should I Get a 0% APR Card or Personal Loan? CONTENT: Lenders That Offer Personal Loans\n---------------------------------\nAs we mentioned, some traditional banks and credit unions offer personal loans, and typically allow applications to be submitted either online or in person. But if you're in need of fast cash and don't want to visit a physical branch, an online lender may be your best bet since they aim to approve and transfer funds in days. These lenders also may allow you to check your rate and the amount you can qualify for with a soft inquiry that doesn't affect your credit. Here are a few lenders to explore:\n### Upgrade\nApply\non Upgrade's website\n**Recommended FICO® Score\\***\nFair - Exceptional\nAmount\nAvailable loan amounts: $1,000 to $50,000\nEst. monthly payment: $30 to $2,095\nGrace period: 15 days\nApplication fee: $0\n##### Loan Details\n*   Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties\n*   Quick online application -- get pre-approved in just minutes\n*   Checking your rate won't impact your credit score\n*   Review multiple loan options so you can pick the amount and term that fits your budget and timeline\n*   With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free\nDisclosure\nUpgrade offers fixed-rate personal loans online in a wider range than many lenders, with amounts from $1,000 to $50,000 available. Rates are based on creditworthiness and term length, and range from 5.94% to 35.97%.  \n### Prosper\nApply\non Prosper's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nAmount\nAvailable loan amounts: $2,000 to $40,000\nEst. monthly payment: $61 to $1,720\nGrace period: 0 days\nApplication fee: $0\n##### Loan Details\n*   640 minimum FICO® Score\n*   More than $16 billion loans funded\n*   Consolidate debt, finance a home improvement project, or pay off medical expenses\n*   9 out of 10 customers would recommend Prosper to friends or family\\*\\*\n*   Co-borrower option available. Applying with a co-borrower could help improve your rates.\n*   Get your money in as few as 3 days - your monthly payment stays the same\nDisclosure\nThis online lender's fixed-rate personal loans are available in amounts of $2,000 to $40,000. Their interest rates range from 7.95% to 35.99% APR.  \n### LendingPoint\nApply\non LendingPoint's website\n**Recommended FICO® Score\\***\nFair - Good\nAmount\nAvailable loan amounts: $2,000 to $25,000\nEst. monthly payment: $95 to $1,437\nGrace period: 0 days\nApplication fee: $0\n##### Loan Details\n*   Personal loans from $2,000 to $25,000\n*   Rates from 15.49% to 35.99% APR with no prepayment penalties\n*   Check your rate for free without impacting your credit score\n*   Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved\n*   Simple and Secure - quick online application\n*   LendingPoint's customer success representatives are available online or by phone 24\/7, just call 888-969-0959\n*   Terms from 24 - 60 months\nDisclosure\nIf your credit is fair, you may struggle to get approved for personal loans. But this lender specializes in loans for those with credit scores as low as 585. Loans can be instantly approved—just be aware that interest rates start at 15.49% and go up to 35.99%.  \nKnow Your Credit Score\n----------------------\nYour credit score makes a huge difference in what financing options are available to you and which rates you can qualify for. Check your credit score for free on Experian today so you know where you stand. You can also use Experian's free tool, [CreditMatchTM](;br=cm&dAuth=true), to get credit card offers matched to your unique credit profile. CreditMatch can also connect you with personalized loan offers. END