Solicitar Un préstamo personal en Estados Unidos puede ser un recurso útil cuando necesitas pagar gastos grandes o inesperados. Pero para aprovechar uno al máximo, es mejor tener un plan confiable para pagarlo.
Si ha decidido solicitar un préstamo personal, considere todos los factores que intervienen para obtener un préstamo, incluida su situación financiera, el prestamista que utiliza y cómo lo pagará. Siga nuestra guía de ocho pasos para recorrer el proceso.
Qué información tener antes de solicitar un préstamo
Antes de comenzar el proceso de solicitud de préstamo personal, reúna todos los documentos y la información que necesita a lo largo del camino. Hacerlo le permitirá avanzar en cada paso del proceso de manera eficiente y obtener sus fondos lo más rápido posible.
Los elementos que puede necesitar incluyen:
Identificación personal, como licencia de conducir, tarjeta de Seguro Social o pasaporte.
Comprobante de ingresos, como W-2, recibos de sueldo o declaraciones de impuestos presentadas.
Información del empleador, incluido el nombre de la empresa, el nombre de su gerente y el número de teléfono.
Prueba de residencia, como una factura de servicios públicos con su nombre y dirección o un contrato de arrendamiento.
Las 10 mejores ofertas de préstamos en EE. UU. para hoy
- Verifique su informe de crédito antes de presentar la solicitud. Sepa cuál es su situación crediticia antes de buscar préstamos personales. Detectar y corregir errores de inmediato es una manera fácil de evitar problemas más adelante cuando solicite un préstamo.
- Pagar la deuda. Si está endeudado y no necesita los fondos del préstamo con urgencia, pagar algunas deudas puede aumentar su puntaje crediticio y reducir su DTI, lo que puede aumentar sus posibilidades de aprobación.
- Hable con su institución financiera actual. Los bancos y las cooperativas de crédito pueden estar más dispuestos a considerar una solicitud de préstamo personal de un cliente con el que ha tenido una relación positiva y duradera.
- Considere los prestamistas en línea. Muchos prestamistas en línea ofrecen decisiones de préstamo al día siguiente y los fondos se pueden depositar en su cuenta bancaria a los pocos días de presentar la solicitud, si se aprueba.
- Recoja los fondos del préstamo en persona. Si su prestamista tiene una ubicación física, pregunte si existe la opción de retirar fondos en la sucursal para que pueda obtener su dinero más rápido.
Social Finance, Inc fue fundada por estudiantes de la Escuela de Negocios de Stanford en 2011.
Originalmente funcionó bajo un modelo de préstamo financiado por exalumnos para conectar a los recién graduados con exalumnos de su comunidad.
Con el paso de los años, la institución ha ido cambiando e incorporando productos y, en 2015, comenzó a ofrecer préstamos personales.
Hoy, entre sus productos se pueden encontrar préstamos hipotecarios, préstamos estudiantiles, refinanciamiento de préstamos, financiamiento para pequeñas empresas, cuentas de jubilación, seguros, entre muchos otros.
SoFi ofrece excelentes términos y tasas para quienes tienen un puntaje crediticio sólido.
Es una excelente opción si deseas refinanciar préstamos estudiantiles o cubrir gastos considerables.
La cantidad máxima de préstamos de dinero es de $100.000 y las tasas de interés oscilan entre el 5,99% y el 18,72%.
El plazo de pago es de dos a seis años.
2. Wells Fargo
Wells Fargo is one of the largest banks in the country.
If you wish, instead of visiting one of their branches, you can access the information on their website.
Existing customers can apply online or by phone, but new customers must apply in person.
Wells Fargo offers competitive rates, a wide range of loans, and less stringent credit requirements than other banks.
There are no setup fees and funding times are fast.
You will have access to credits between $3,000 and $100,000, rates range between 5.74% and 24.49% per year and payment terms vary between 12 and 84 months.
3. Universal Credit
Universal Credit is a very convenient lender for those with poor credit scores.
This financial company specializes in personal loans to people with low incomes or who have accumulated high-interest debts.
Universal Credit offers personal loans for people with credit scores starting at 560 and with the following conditions: variable APR between 8.93% and 35.43% and terms of 3 to 5 years for amounts between $1,000 and $50,000.
How do Universal Credit loans work?
Check your rate: see the offers instantly, without obligation and without a credit check.
Choose your offer: choose the option that best suits you according to the term of the loan and the price
You receive the funds the next day after the company does some verifications
The loan application process through the Universal Credit platform is quite simple and friendly.
Oportun offers its services since 2005 to people who have no credit score or have a fairly limited credit history.
His clients are generally low- or medium-income.
Oportun personal loans were named “Best Loan Product for Consumers” by FinTech Breakthrough.
This company provides services to the Latino community in the USA and grants loans of up to $10,000.
It accepts borrowers without a Social Security Number, but you must present your Individual Taxpayer Identification Number or ITIN to apply.
Financing is usually obtained the same day, and borrowers must repay the loan in a period of time ranging from 6 to 46 months. Their annual interest rates are between 20 and 67%.
Upgrade has been in the market since 2017 and its goal is to offer its customers a great value mobile and online banking service, eliminating transaction fees and providing access to affordable and responsible credit through cards and loans.
It offers very reasonable conditions on personal loans for up to $35,000 without collateral.
There are no prepayment penalties, fees are low, and monthly payments are affordable.
You can use the Upgrade personal loan to refinance credit cards, consolidate debts, carry out work at home or to make an important purchase.
6. OneMain Financial
OneMain Financial is a financial entity with more than 100 years of experience.
He has branches all over the country and often meets face to face with his clients to discuss their cases individually.
Their service is personalized and they work to find a financial solution that suits the needs of each client.
OneMain Financial is the ideal platform for borrowers with below average credit scores.
In principle, the amounts of your loans vary between $1,500 and $20,000 to be paid between 2 and 5 years at an interest rate that ranges between 18% and 35.99%.
It is certainly a bit high, but we must remember that these are loans for credit scores between 500 and 550.
In addition, the company does not offer discounts on their percentages for setting up autopay and they charge origination fees that are typically between 1% and 10% of the loan value.
However, these loans have several positive aspects that we must highlight.
Among them, we can mention the fact that they will allow you to choose your payment date, they will finance the loan the same day or the day after the approval and they will offer you to pay directly to the creditor of the money.
On the other hand, if you do not have a sufficient credit score, they will give you the options of accessing a guaranteed loan or requesting it with another person.
Payoff is a California-based financial services company.
It offers fixed-rate credit through a peer-to-peer lending platform so borrowers can pay off their credit cards.
With Payoff you can get money loans online quickly, on its platform you will find loans with fixed rates between 5.99% and 24.99% APR for loan amounts between $5,000 and $40,000.
The minimum loan amount and interest rate may vary in some states.
The minimum rate for loan amounts over $15,000 is 6.99%.
For detailed information you can visit the page https://www.payoff.com/loan/rates-and-fees/.
Funds to pay off your credit card balances will be electronically deposited into your account.
The payment term varies between 24 and 60 months, in this period of time you will make fixed monthly payments.
They offer you personal attention in the Tustin, CA office.
8. Citizens Bank
Citizens Financial Group, Inc. is one of the oldest and largest financial institutions in the United States.
It offers a wide range of personal and commercial banking products and services to individuals, small businesses, midsize businesses, and large corporations and institutions.
Citizens Bank is a great option for those with a good credit record.
To get money loans from this institution, you must have a credit score of at least 680.
There are no charges for opening or advance payments, interest rates range between 6.79% and 20.89% per year.
Payment terms vary between 36 and 72 months.
If what you want is to consolidate debts, this bank will offer you excellent options.
You will find money loans for amounts between $5,000 and $50,000.
Prosper, founded in 2005, is the first peer-to-peer lending marketplace in the United States.
From its inception to the present, it has provided more than $12 billion in loans to more than 770,000 people.
Prosper handles all money lending services on behalf of borrowers and investors.
Prosper has good credit compared to other lenders for people with good credit.
The amounts that they handle normally vary from $2,000 to $35,000, payable between 3 and 5 years at an interest rate that ranges between 7.95% and 35.99%.
This company gives you the option to change your payment date if necessary, as well as offers joint loans and a wide variety of amounts that you can select.
In this sense, you have a wide variety of options to finance your dental treatment.
However, it also has not so positive aspects.
First, it doesn’t offer discounts for setting up automatic payments.
Similarly, you will only have two term options to be able to pay the full amount with interest (3 years or 5 years).
And finally, this lender charges origination fees ranging from 2.41% to 5%, as well as 5% of the unpaid amount if you are late.
Another factor to consider is the requirements they apply for.
First, you must have a minimum of two years of credit life and a credit score of 640 or higher.
In fact, its average borrowers have a score of 726.
In addition, your debt-to-income ratio must not exceed 50%, you cannot have filed bankruptcy in the last year and you must have less than 5 inquiries on your credit report in the last 6 months.
10. Best Egg
In 2019, Best Company ranked Best Egg the #1 personal credit among consumers.
Obtaining a personal loan with Best Egg is fast, easy and safe.
Best Egg personal loans are ideal for people with an annual income of $60,000 or more and a fair to excellent credit history.
In general, these loans are used to make home improvements or to cover personal expenses.
Best Egg loans are often used for home improvements, major purchases, debt consolidation, moving expenses, etc.