Personal Loans Express Review

BySarah BadaniAug. 06, 2019

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In a Nutshell

Personal Loans Express describes itself as a loan connect system. This means it doesn’t directly lend you the money. Instead, Personal Loans Express connects borrowers to one of the many lenders within its network to get them the money they need. The service is completely free and saves consumers hours upon hours of applying and sifting through lenders to find the right one.


  • Personal loans to be used for whatever you want
  • Small installment loans available
  • Funds as quickly as next business day


  • Not a direct lender
  • Calls can be overwhelming once you apply
  • Only small amounts up to $35,000

Personal Loans Express at a Glance

Loan typesPersonal loans, payday loans, small installment loans
Loan amount$1,000 up to $35,000
Repayment terms61 days to 180 months
APR3.09% - 35.99%
Best forAnyone looking for short-term, small installment loans

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Best For?

  • People who want to save time going from one lender to the next
  • Borrowers looking to borrow small amounts of cash for immediate use
  • Anyone who doesn’t have great credit

Range of Loans on Offer

Personal Loans Express offers the most basic and flexible types of loans: personal loans. The reason this type of loan is so flexible is because you are not required to spend the money in a predetermined way. For example, an auto loan must be spent on a vehicle and a mortgage must be spent on purchasing a home. The good thing about a personal loan is that it can be used however you want, from home improvements to medical expenses, weddings to vacations, debt consolidation, or anything else.

  • Small installment loans
  • Personal loans
  • Payday loans

The Application Process

Personal Loans Express’s application process is incredibly basic. To start with, you’ll send in the initial application form which includes:

  • How much money you want to take out, what your zip code and street address is, and what phone number you can be reached at
  • Your name, email address, and date of birth
  • Your banking information
  • How often you get paid, your next pay date, how you get paid, and what type of account you have
  • Whether you’re in the military, what type of income source you have, employer information
  • Your driver’s license number and Social Security number

Once you fill out your information, which will take you about 3 minutes, you'll be matched with an appropriate lender. Note that this doesn't obligate you to take a loan with any of the matched lenders. It just gives you options to consider and pursue if you're interested.

Personal Loans Express makes things simple by sending your application out to multiple lenders simultaneously. So, you only fill out one form, but that form goes to many lenders at once. Personal Loans Express also saves you time by sending the application to the appropriate lenders. This way you aren’t wasting your time pursuing loans that you won’t get approved for anyway.

How Much Can You Borrow?

Personal Loans Express is not a direct lender, so it does not determine or set any of the loan terms. That is done solely by the lenders within the network. Personal Loans Express works with lenders that offer loans from $1,000 up to $35,000 (though sometimes you can even get smaller loans of just $100-$1,000). 

Loan Requirements

Personal Loans Express does not set the loan requirements since it is not a direct lender (as mentioned previously). Once again, the lenders set these terms. However, the lenders within this network generally have similar requirements from anyone who wishes to apply for a loan. These include:

  • Must be 18 years of age or older
  • Must have a valid checking account or savings account with direct deposit
  • Must have a regular income flow
  • Income must be at least $1,000 per month
  • Must not be in active duty of any military services including Air Force, Coast Guard, Army, Marine Corps, or Navy
  • Must not be dependent upon anyone in active duty within the above-mentioned services

Repayment Terms

Loans come with varying APR (annual percentage rate) and lengths of time required to repay the loan. Again, Personal Loans Express does not have anything to do with this part of the loan process. The general lenders within the connected network set the following repayment terms:

  • APRs range from 3.09% - 35.99%
  • Repayment lengths range anywhere from 61 days to 180 months

The rates you are given are usually determined by your credit score, credit history, and how much you are asking to take out as a loan.

Privacy & Security

Personal Loans Express takes your privacy seriously. As stated on the website, Personal Loans Express uses physical, technological, and procedural security measures to keep unauthorized access at bay and ensures only appropriate use of your personal information.

Help & Support

Personal Loans Express has helpful customer support ready to answer your questions. You can contact support via the online contact form or by calling a support agent.

How Personal Loans Express Compares

personal loans expresscrediblelendingtree
APR3.09% - 35.99%2.49% - 35.99%2.49% - 35.95%
Minimum credit scoreNone680None
Loan amounts$1,000 - $35,000Up to $100,00$1,000 - $50,000
Loan term61 days - 180 months24 - 84 months3 - 180 months
Best forSmall installment loans, personal use borrowersDebt consolidation, good credit holdersPeople looking for the most flexible terms, really bad credit holders


Personal Loans Express offers borrowers an easier and faster way of applying for personal loans. With a single online application, people can receive multiple offers almost immediately, and choose the best one based on easy comparisons. Employing a wide network of lenders, Personal Loans Express delivers a good variety of options, making your rates more competitive. This is not the right lender if you are looking for a large loan of $40,000 or more. But if you just want something under the $35,000 range, Personal Loans Express is a great option for you.


How much do Personal Loans Express services cost?

Personal Loans Express offers its services completely free of charge for the borrowers. It is compensated for its efforts by the lenders instead.

Do the lenders run a credit check when I apply for a loan?

Most lenders will run some sort of credit check when an application is received. Some lenders will limit this to a soft check while others will pull a hard check. Soft checks will not affect your credit score at all, and hard checks will cause only a temporary decrease to your score.

Can I use my personal loan for my kitchen remodel?

Personal loans come with zero strings attached. That means you can use them for anything you want (you are cautioned to use your loan responsibly), including for home remodeling projects, major events, trips, medical procedures, and more.

Why would I use Personal Loans Express instead of going directly to the lender?

You can apply directly to any lender you choose. The benefit of using Personal Loans Express is that you get to apply to multiple lenders simultaneously. Plus, this service eliminates the frustration of rejection that often comes from applying to lenders that are not the right match for your credentials.

Physical Address

1125 E Broadway #545 

Glendale, CA 91205

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Personal Loans Express