Loans designed to simplify your life
We offer personal loans for your life’s needs
We've built a secure & personalized experience
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Checking your rates won’t affect your credit score
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Our rates are often lower than the banks
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We have a simple online application
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No early repayment fees, no hidden charges
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Personal Loan 
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Save thousands with a low, fixed-rate personal loan.
With credit card rates on the rise,see how you could save thousands on interest by consolidating existing debt into a low fixed monthly payment.
| Product | Balance | Average Interest Rate | Monthly Payment | 5‑year Interest Paid |
|---|---|---|---|---|
| High-interest Rate Credit Card | $35,000 | 19.95% APR* | $1,400 | $20,579 |
| CC Loans | $35,000 | 4.95% APR* | $490 | $4,582 |
| Estimated Interest Saving with CC Loans | $15,997 | |||
98% of our customers left satisfied
FAQs
An unsecured personal loan is a money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time. While most loans through CC Loans are unsecured, certain credit unions may place a lien on other accounts you hold with the same institution. It is important to review your promissory note for these details before accepting your loan.
Checking your rate on CC Loans will not affect your credit score. If you proceed with your application after receiving a rate your credit score may be impacted. When you check your rate, we make a “soft credit inquiry.” Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made. If you are offered a loan and proceed with the application, a “hard credit inquiry” will be completed to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your credit score.
There is no prepayment penalty for paying off a loan on CC Loans early. You may pay off part or all of the loan at any time with no fee. By prepaying, you will pay less overall interest because the loan is outstanding for a shorter time.
Yes, in some instances we do accept co signers. Cosigners should be aware that becoming obligated on another person’s loan is treated as a debt obligation, and that person will be responsible for the loan if you do not pay it off.
CC Loans are unsecured loans. This means that you do not need to provide collateral for the loan.
Personal loans can be used for a variety of purposes, but are commonly used to consolidate high-interest credit card debt. When using a personal loan to pay off credit card debt, the loan funding is used to pay off the cards’ outstanding balances. Ideally, the new debt consolidation loans will have a lower interest rate, making payments more manageable or saving the person money from accrued interest. Click here to learn more about the pros and cons of using low interest personal loans to consolidate debt.
Many people apply for a low-interest personal loan to consolidate high-interest credit card debt. These loans can also be used to fund major life purchases or expenses, like home improvements, weddings, unexpected medical expenses, moving expenses, or funerals.
No, unsecured personal loans do not require a down payment, unlike a secured home loan.