Smart & Simple Personal Loans

From $100 to $40,000

We use 256-bit SSL technology to encrypt your data

Connect with a Personal Loan!

At SantaLoans, we have established an extensive marketplace of lenders and/or lending partners to help you get the funds you need for your financial needs.

Fast Fundings

Our online form is easy to complete and may get you connected with funding options in minutes. Upon approved, funds can be received as soon as the next business day.

All Credit Considered

You may get approved for a personal loan regardless of your credit score or history. All credit types are types are welcomed and considered.

Data Security

We protect your information with advanced 256-bit encryption technology so you can request a loan with peace of mind and from the ease of your home.

How it Works?

After you fill out the short and simple form on this website we work with our network of lenders to try and find you a lender for your loan. If we are successful in connecting you with a lender, you'll see a page with a list of all the terms and conditions for the specific lender. If you are unhappy with the terms of a loan from a lender you are under no obligation to continue on with the loan process. The best part is that we do not charge any fee to you for the use of our service.

What is a Personal Loan?

A personal loan is an online loan ranging from $500 to $40,000 that can help you fund a large expense without requiring the use of collateral. Typically, personal loans have a set number of equal payments often due over a longer period of time. SantaLoans believes in creating an informed marketplace so that consumers can be educated on the products and services they desire and can make responsible decisions about what products or services are best for them. SantaLoans only works with reputable lenders in our comprehensive network and consumers are encouraged to contact us anytime with any questions!

What is the APR I can expect for a Personal Loan from lenders in your network?

Annual Percentage Rate (APR) is the annualized interest rate that you are charged on a personal loan. Because SantaLoans does not provide consumers with loans directly, it is very difficult for us to provide you with an exact APR that you might expect to pay on a personal loan. The loan interest rates are determined solely by your lender. APR is meant to characterize both the interest rate and the fees associated with a loan for an entire year. APR can vary significantly between various lenders.

Will a Personal Loan affect my credit?

Lenders which you may connect with on SantaLoans may perform credit checks with the three credit reporting bureaus: TransUnion, Equifax, or Experian, or may perform alternative credit checks or collect consumer reporting through alternative providers in an effort to ascertain your credit worthiness. If you successfully obtain a personal loan and do not repay your loan on time, your delinquent payment may be reported to a credit bureau, which could negatively impact your credit score.

When can I expect to receive a Personal Loan if connected with Lenders?

Since SantaLoans works with a large network of lenders, it is very difficult for us to provide you with exact information on how long it takes to process a loan request or transfer funds. All credit decisions are determined by the lenders directly and we have no determination regarding timing. Typically, the whole process may be completed and you may receive your loan as soon as the next business day upon approval by your lender. For more information, we encourage you to contact your lender directly for more information.

What are the collection practices if I don't pay back a potential loan?

Since SantaLoans is not a lender, we do not under any circumstance, perform any debt collection. The debt collection practices for the lender offering your personal loan will be disclosed in your loan documents. If you do not understand or have any questions about the collection practices used by a specific lender you should raise your concerns with the lender directly. We have made reasonable efforts to only work with well recognized and trustworthy lenders who employ fair handling in their collections practices for past due accounts.

Important Considerations.

SantaLoans only partners with and allows reputable personal loan lenders in our network. Although we are not a lender, we support all provisions of the Fair Lending Act, which require lenders to afford to consumer's fair, equitable, and nondiscriminatory access to credit. We also support all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. For more information and details, please visit our Responsible Lending page.