Financial Products Chosen For You

We often encounter important moments in our lives without enough preparation. Sometimes, we suddenly realize that something will have to change, but often find ourselves confused during changes. Personal loans could be a solution to those moments that matters. Fund those changes with a personal loan and focus on the moment that matters. College Life Today presents options from multiple lendNice to see youers and partners with one application. A great start to capturing the important moments in life!

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Frequently Asked Questions

A personal loan is a money borrowed by banks, credit unions, or online lenders. Often personal loans are unsecured, meaning that they are not backed by collateral. They typically range from two to seven years in terms of the loan term. The interest rate can differ vastly depending on the credit profile. Usually, your credit score, credit history, debt-to-income ratio, and other credit-related variables are considered for making a qualification decision. If you qualify, you should compare the rates and terms to choose the loan that fits your situation the best. If you don’t qualify, you should look for alternative solutions.
Personal loans can be used for a wide range of purposes. The most common reasons for personal loans are debt consolidation and credit card debt refinancing. A personal loan could help manage multiple loans or high-interest rate loan(s). Other reasons for personal loans include home improvement, major purchases, car financing, and medical expenses.
There are many different ways you can apply for a personal loan. The easiest and the most efficient way is to apply online. It takes 5 to 10 mins to fill out the application, and you can easily find out if you are qualified for a personal loan. College Life Today has created an aggregated system where you can fill out one application and get offers from multiple lenders and partners so that it’s easy for you to shop around the best options. If you don’t qualify for a personal loan, we will present alternative options that may fulfill your needs. You could also visit banks or credit unions and apply for a personal loan for other ways to apply.
Although multiple lenders have different criteria for qualification decisions, most use credit score as one of the primary factors of the decision. The higher the credit score, the more likely you’ll get qualified. Even if you are qualified, you may get lower rates with a higher credit score. So, we recommend you check your credit score and improve the score to get qualified and get better rates. Application through College Life Today won’t affect your credit score, so that would be a good way to find out if you would be qualified for a personal loan.