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USAA Personal Loan

USAA members can get Personal Loans up to $50,000, but if you don’t qualify for a USAA membership then you’ll need to find a different loan provider. For a Small and Flexible Personal Loan check out the Check City Personal Loan where no membership is required!

USAA Membership Requirements: USAA membership eligibility depends on who you are since USAA memberships are only available to certain people. In order to qualify for a USAA membership you must be one of the following:

  • Active duty officers
  • National Guards
  • Reserve officers
  • Veterans
  • Officer candidates in commissioning programs
  • Enlisted personnel
  • Spouse of a USAA member
  • Adult children of a USAA member

Personal loans are often used in financial emergencies when you suddenly need funds to pay for bills and other unexpected expenses. Because of this it’s a good idea to shop ahead of time for the loan provider that best fits you and your needs so you’re not making any rushed decisions when it comes to your loan options. After all, you have your own requirements for the perfect personal loan.

USAA Personal Loans: A Quick Look

A personal loan from USAA can be anywhere from $2,500 to $50,000 with an APR range between 8.99% and 18.00%. USAA personal loans have no origination fee, no application fee, and no early repayment fees. USAA members with a personal loan can get loan terms between 1 and 7 years. USAA personal loans are most often used for home repairs or improvements and emergency bills.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,500

Rates: 8.99% to 18.00% APR

Fees: no origination fee, no application fee, no prepayment fee

Terms: 12 to 84 months (1 to 7 years)

When: you can get your loan funds as soon as 24 hours after application approval

Basically, USAA personal loans are a great loan choice for USAA members. They are a medium sized personal loan with flexible loan repayment terms. They also offer lower rates for their members, making this loan a good option for anyone who already has a USAA membership and needs a loan for emergency expenses.

Who are USAA Personal Loans Perfect For?

The USAA personal loan is great if you already have a membership with USAA and have some sudden expenses you need to take care of. They are most often used for making home improvements or taking care of home repairs. If you meet USAA’s membership requirements, and just need a loan to help with the house or other unplanned bills, then this loan may be perfect for you. Here are some other indicators that you should get a USAA personal loan:

  • If you already have a USAA membership
  • If you have good credit
  • If you need a large loan amount
  • If you want a longer loan term option

Who Should NOT Get a USAA Personal Loan?

A membership with USAA comes with special requirements that not everyone can meet. USAA memberships are available to anyone serving (or those who have served in the past) in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, or Reserves, and to close family members. If you don’t qualify for a USAA membership or you can’t afford a hard credit pull loan application, then consider a personal loan with Check City instead. Here are a few more reasons you should think about a Check City personal loan instead of a USAA personal loan:

  • If you need a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t qualify for a USAA membership
  • If you need same day funds
  • If your credit score can’t afford a hard credit pull
USAA Personal Loans Pros and Cons List
Pros Cons
Flexible terms Hard credit pull that will affect your credit score
No fees Must be a USAA member

An Alternative to USAA Personal Loans

USAA personal loans may not meet your requirements as a loan customer. If this is the case for you then check out the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan

  • Check City is a direct lender
  • Check City is a state licensed lender
  • Our application process is quick and simple
  • You can still apply if you have a low credit score
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in 6 months
How to Apply for a Check City Personal Loan

The application process for a Check City Personal Loan is fast and simple. All you have to do to apply for a personal loan with Check City is go to our Personal Loan Page and fill out the application form on the side of the page. It only takes a few minutes! We have other loan application options available as well if you don’t want to apply online. You can also visit your local Check City store
or talk to a representative on the phone to apply.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in person at a Check City store and walk out with your personal loan funds the SAME DAY! Our personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a matter of months instead of years. Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t use a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans USAA Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000 $2,500 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98% APR 8.99% to 18.00% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees no origination, application, or prepayment fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months (2 to 7 years) 12 to 48 months (1 to 4 years) 12 to 84 months (1 to 7 years)
Min. Credit Score none 660 600 680 660 high credit score

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

American Express Personal Loan

American Express offers Personal Loans up to $40,000, but are only available to existing members. If you want a more flexible and inclusive loan then you might want to try the Check City Personal Loan, where you don’t need a card membership to apply.

Shopping for a loan can be a hassle. There are so many pros and cons to consider, from the minimum required credit scores to APR ranges. We’re here to make your loan research a little easier as we go over personal loan options near you. That way you can weight the costs and benefits of different loans in one spot and find the personal loan that best suits your personal needs.

American Express Personal Loans: A Quick Look

With an American Express membership card you can take out a personal loan from $3,500 to $40,000 and get an APR anywhere between 6.90% and 19.98%. They also don’t have origination fees, but they do have late fees for when you’re late on payments. These loans come with a shorter loan term of 1 to 4 years and you can expect to receive your funds in 1 to 7 business days after your application gets approved.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.90% to 19.98% APR

Fees: no origination fee, there are late fees

Terms: 12 to 48 months (1 to 4 years)

When: 1 to 7 business days

Basically, the American Express personal loan is a large loan that you pay off in a few short years. They’re generally used for home improvement, weddings, the costs of moving, or traveling. You can also use their personal loans to consolidate debts with higher interest rates. The only catch is that you’ll need to be an American Express card holder in order to even apply, so if you aren’t already affiliated with American Express you may want to look elsewhere for your loan where a membership isn’t required.

Who are American Express Personal Loans Perfect For?

A personal loan from American Express is perfect for anyone in need of a large loan that they don’t want to be paying back for more than 4 years. The American Express personal loan is most perfect for loan customers who already have an American Express card. If you’re already an American Express customer and the below items also represent your needs, then the American Express personal loan may be the perfect loan for you.

  • If you have a good credit score
  • If you need a large loan amount
  • If you want to finish paying off the loan in 4 years
  • If you already have an American Express account

Who Should NOT Get an American Express Personal Loan?

If the items mentioned in the previous section don’t apply to you then don’t worry—there are other loan options out there. Maybe you’re looking for an even smaller personal loan that you can pay off in a matter of months instead of years. If you find yourself in this category of loan customer then you should consider Check City for your flexible personal loan provider.

  • If you want a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t already have an American Express account
  • If you need a personal loan today
American Express Personal Loans Pros and Cons List
Pros Cons
You can get a decision on your application in seconds You must be a cardholder to apply
The application doesn’t affect your credit score You must be preapproved to apply
They have no origination fees They do charge late payment fees

An Alternative to American Express Personal Loans

If an American Express personal loan doesn’t meet your requirements as a loan customer then you need to take a look at the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

american express personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan has a fast and simple application process. All you have to do is visit the Check City Personal Loan Page. From there you can finish your loan application in just a few minutes. You can also apply for a Check City personal loan inside any of our stores, or by calling a Check City representative to apply over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

Applying for a personal loan from Check City is fast, easy, and anyone can apply. So you don’t need to already be a Check City customer and you don’t need to have a high credit score to apply. Check City also offers multiple ways to apply for your loan. You can apply online, over the phone, or at any Check City location. You only need a few things to apply and Check City personal loan applications only take a few minutes.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months 12 to 48 months (1 to 4 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 680 660

 

Personal loans come with requirements and so do you! You need a personal loan that works best for you and your needs which is why you’re researching loan providers before making a choice. Everyone is looking for something different in a personal loan; like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key features with a Check City Personal Loan!

 

READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

Capital One Personal Loan

Capital One does not offer Personal Loans, but they do offer other useful services we’ll highlight below. But if you need the Flexibility of a Personal Loan you should definitely check out the Check City Personal Loan!

Does Capital One offer personal loans? No, Capital One does not currently offer personal loans.

It is actually not uncommon for banks to not offer personal loans, like Capital One. Instead Capital One offers other financial products that are worth looking into. They have bank accounts, credit cards, auto loans, and even financial services for your business. But Capital one does not have a personal loan option. There’s no need to worry though, because we’ll highlight where else you can find a personal loan later on in this article.

Capital One Credit Cards: A Quick Look

Pros Cons
Travel and cash rewards Lower credit scores receive the higher rates
Offer cards for businesses 13.74% to 26.99% APR range
Offer cards specifically for students Some cards have an eventual annual fee of $95

Capital One Auto Loans: A Quick Look

Pros Cons
You can finance or refinance a car

There is a minimum monthly income required from $1,500 to $1,800
You can get prequalified

You can’t already have any overdrafts or late payments with Capital One
Loan terms are from 24 to 84 months

Minimum loan amount is $4,000

Basically, Capital One is a great option for traditional banking services. You can use them to have a checking or savings account, get a credit card, or finance your auto loans. They’re also an option for financing your business. But if you need a small loan that you’re free to use for your own personal reasons then you’ll need to keep looking for your perfect loan.

Who are Capital One Loans and Credit Cards Perfect For?

Capital One is a perfect choice for more traditional financial services like credit cards and auto loans. Capital One offers a variety of credit card options that work great for students, business owners, and travelers. Likewise, their auto loans are a worthwhile option if you’re looking to purchase or refinance a car. So if you need a large auto loan or some solid credit card options, and you meet the requirements below, then Capital One bank might be the right choice for you.

  • If you need a large auto loan
  • If you have a lot of travel expenses for tickets, hotels, and dining
  • If you’re a student or business owner
  • If you already have a Capital One account

Who Should NOT Get a Capital One Loan or Credit Card?

If the items mentioned above don’t apply to you, or you just need a fast, small loan for a personal reason, then don’t give up on looking! The perfect loan option for you is out there. If you’re looking for any one of the items listed below then you might want to consider a personal loan provider.

  • If you need a small loan
  • If you want to be done paying back the loan in as little as 6 months
  • If you don’t already have a Capital One account
  • If you need funds fast
  • If your credit score can’t afford the hit from a traditional credit check
  • If you need the loan for any number of personal reasons

An Alternative to Capital One Personal Loans

Check City offers a different kind of personal loan from other loan providers. So if Capital One’s more traditional financial services don’t suit your particular needs then look into a Check City personal loan. It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan near me

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You don’t have to wait, you can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City Personal Loans is a fast and easy process. All you have to do is visit the Check City Personal Loan Page. From there you can quickly fill out the application on the side of that page. You can also find a nearby Check City store to apply or give us a call to apply over the phone if either of those options works better for you.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Apply in the Store.

Or call Check City’s Loans By Phone number: 800-404-0254

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in the store and get your personal loan funds the SAME DAY! Our personal loans work well for anyone who needs a fast, small loan that you can finish paying off in just 6 months rather than years. Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t pull a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

Chase Auto Loans Bank of America Auto Loans Capital One Auto Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000 min. $7,500 min. $4,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends min. 2.99% to 5.99% depends
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee depends
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 to 84 months 60 months depending 24 to 84 months
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 high credit score subject to credit approval subject to credit approval

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

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