We say
when banks say no

Loans between $250 and $5000 spread from 3 to 60 months with a decision in 60 seconds*. Rates from 3.95% to 35.99%.

*Average time per customer (Checking your rate won’t affect your credit score)

The process is also free!

Origination fee

We make sure our partners do not charge loan origination fees on their loans.

Service fee

Credible is 100% free to use and our customer support is always here to help.

Prepayment penalty

There’s no prepayment penalty if you’d like to pay off your loans faster.

"Applying is quick and easy – I saw my loan offer in 3 minutes"
"Applied and got the money the sameday - fantastic"
"What a great free service – I got my money in hours!"

Personal loans from $250 - $5,000 between 3 and 60 months. Our comparison rates, which include possible lender fees, have a minimum rate of 3.95%, and a maximum rate of 35.99%. All associated fees and rates are based on your personal financial circumstances.


* Our comparison rate is based on a $2,000 Personal Loan for a 2 year term. This rate is applicable for unsecured personal loans only.

WARNING: Our comparison rate only applies to the example or examples provided. Alternative loan amounts and terms will produce different comparison rates. Additional costs such as redraw fees or early repayment fees are not included in our comparison rate, but could influence the overall cost of your loan.

Lower rates

Rates from 3.95% APR

Obtain a loan offer with rates from 3.95% to 35.99% APR

Quick and easy

Quick and easy

Borrow $250 - $5,000

No prepayment penalty

Instant Decision

We will let you know if you’re approved in 60 seconds

Secure process

No History Needed

We help you find funding even with a bad credit history

Why use us to find your loan option?

Other lenders
Multiple lenders compete to get you the best rate
No filling out duplicate forms
Get actual rates, not estimated ones
Borrow for any reason
Flexible repayment plans
Connect to over 240 lenders with one click
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(Checking your rate won’t affect your credit score)

At a glance

A personal loan in minutes

Who likes waiting?! We make applying for a personal loan fast, easy, and surprisingly pain-free.

  • Quick decision in only minutes
  • Loan offer and rate displayed for approval
  • Personal loans available from $250 to $5000
  • Monthly repayments possible from 3-60 months
  • Rebuild your credit with positive credit references
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Representative 18.23% APR

Flexible short term loans

Representative

18.23% APR

for loans between $1000 and $5000.

Representative example: $2,000 loan over a 24-month term would have a total payback amount, including interest, of $2,369.49. APR 18.2%. Rates between 3.95% APR and 35.99% APR. Loan term lengths from 3 to 36 months

Everything you should know

Potential implications

When applying for an installment loan, it is essential that you fully understand the possible implications, should you not adhere to the terms of your loan. Below we list these implications, and want to make it clear that you must take time to understand the terms and conditions of any loan offered to you before proceeding.

Late, or non-payment

Upon finalizing your installment loan application, once you are happy with the terms and conditions, you are agreeing to repay the loan, along with associated interest, in the timeframe referenced in the loan agreement. It is usual that should you fail to make a payment, or if a payment is late, lenders will add charges to your account.

YesMunee.com, as an installment loan broker has no authority to know, or even estimate what late payment charges will amount to. YesMunee.com also does not have any control or knowledge of your private loan agreement. This is a confidential relationship between the lender and the borrower, but should always be fair and reasonable.

Therefore, we encourage all users of YesMunee.com’s free to use, no obligation loan broker system to carefully analyze the section of your lender’s terms that refers to late, partial, or non-payment policies. YesMunee.com strive to work with the best lenders in the market, and use a personal approach to ensuring our panel of lenders are both trustworthy and reputable.

Impact on Credit Score

It is possible that a lender will run a credit check on you, in order to establish your ‘credit worthiness’. This essentially is how likely they feel you are to successfully repay your loan. Upon submitting a no obligation application with YesMunee.com, you are agreeing that this may happen, and that you permit the lenders in our panel to verify your personal details, and run a credit check. You must also understand that a missing payment, or even late payment, could negatively impact your credit score, as lenders are dutybound to list your credit payment history on your credit file.

Collection Practices

YesMunee.com is an installment loan broker, and not a lender. As such, we can have no input or knowledge of an individual lender’s debt collection process. Your lender will always list their debt collection policy in their full terms and conditions. This will form your overall loan agreement, which is essential that you are happy with before finalizing your loan application. We try hard to work with only lenders that have a fair and reasonable collection practice, but if you feel this is not the case at any point in your loan period, please feedback to us using our contact page, and we will investigate.


Credit Check Disclosure

Yes Munee does not make any credit decisions. The lenders we work with may perform credit checks so that they can determine your credit worthiness, credit capacity, or credit standing. Such credit checks may be undertaken by these credit reporting bureaus: Equifax, Trans Union, Experian. By submitting your application with Yes Munee, you agree to allowing our lenders to verify your personal information, and checking your credit rating. Please be conscious of the fact that if you miss a payment, or make a late payment, this can have a negative affect on your credit score.

Lender Network Disclosure

Yes Munee is a 100% free, and no obligation loan brokering service. We connect consumers who want to borrow money, with a large panel of lenders who could be willing to lend to them. We are not a lender ourselves, and we do not provide funds, have any influence in any loan approval, or make any lending decision. Every lender in our network has different and unique criteria for offering a personal loan, and each has different terms and conditions, including fees and rates. When we present you with a lender’s offer, that lender is providing you with a no obligation loan proposition. You should read their proposition and associated terms carefully before finalising your application with the lender. Yes Munee’s bespoke financial technology allows our customers to reach a large network of lenders who fit your personal borrowing requirements via one fast, simple search.

State Availability Disclosure

Not all lenders in our network operate in all US states. Due to different state legislation, residents in some states may not be eligible for a personal loan product.

Truth in Lending Policy

We only work with lenders who strictly adhere to the Truth in Lending Act. Our lenders will always provide transparent loan offers as best practise, and as required by federal law.

It is essential that you fully read all terms and conditions provided by your lender, including any paperwork that you may receive. Be sure to understand the total cost of your loan, and your offered APR and charges. Remember, you are under no obligation to commit to any loan offer that we find for you, and you should only proceed if you are completely happy.

"I applied for a loan of $2000, and had an offer in front of me in just a couple of minutes. Super simple!"

- Jane Williams

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Disclaimer: This service is FREE to users through YesMunee. YesMunee does not lend to users. Based on the information provided by users, YesMunee searches its database of lenders it works with to connect consumers with the lender and loan best suited to their wishes. Not all lenders can provide up to $5,000. Consumers, who qualify with a lender, can be offered loans with APRs below 35.99% and have payment terms ranging from 91 days to 60 months, or more.

Cash transfer times may vary between lenders and may depend on your individual financial institution. For details, questions or concerns regarding your loan, please contact your lender directly. All terms, including fees and rate, must be revealed to consumers by their lender once they have been approved. Once you have submitted your registration form, you will be sent to an e-signature page made available to you by the lender to which you were connected. Along with the e-signature field, the page will include information pertaining to the fees and rate of your specific loan. Borrowers are required to review the fee and rate material made available by their lender thoroughly and in its entirety before agreeing to the loan. Users are not obligated to accept the loan. If the consumer determines that the terms of the loan are agreeable wants to continue with the loan process, the consumer may fill out the e-signature page. After this is one, the consumer has entered into a legally binding contract with the lender and not YesMunee and must assume all the costs detailed in the contract. The lender determines all fees and rates based on the information provided in the registration form. YesMunee.com is not involved in determining these fees and rates.

This service was designed for short-term relief from financial emergencies and is not a long-term solution. Consumers with debt and credit difficulties should seek debt relief help. YesMunee cannot assure users that completing a registration form will result in a lender connect, a loan offer with acceptable rates or terms, or getting a loan from a service provider or lender. You will not be charged any fees to use our connecting service. Service providers or lenders will not typically require credit scores from the three major credit bureaus including Equifax, Experian, and Trans Union. However, lenders do reserve the right to run credit checks, and running credit checks may affect your credit score.

Upon acceptance of the loan offer and entry into an agreement with the lender, the lender will aim to transfer the cash within 24 hours. Clearance of the funds is dependent on whether your bank accepts faster payments

If your loan is approved, funds may be cleared and in your account within the hour if you apply before 3pm, Monday to Friday. If you apply after 3pm, then this will be the next working day.