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Online Personal Loan | Level Financing

To check the online personal loan rates and terms you qualify for, Level Lending conducts a soft credit pull that will not affect your credit score. However, if you choose a product from our personal loan lenders and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.


To qualify for a quick personal loan, a borrower must be a U.S. citizen or hold another eligible status, be residing in the U.S., and meet Level Lending’s underwriting requirements to pay off credit cards or pay off debt. Not all borrowers receive the lowest rate when applying with online personal loan lenders.

The lowest rates are reserved for the most creditworthy borrowers looking for personal loan settlement. If approved, your actual rate will be within the range of rates at the time of your home credit personal loan settlement application and will depend on a variety of factors, including the term of the loan, evaluation of your creditworthiness, income, and other factors.

If Level Lending is unable to offer you an unsecured loan settlement but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. Level Lending Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses.

The minimum loan amount is $5,000, which can be a helpful amount for a personal loan for credit card settlement. The average of Level Lending Personal Loans funded in 2021 for personal loan debt settlement was around $23k. Information is current as of 10/12/22. Level Lending Personal Loans originated by MBOCAL, Inc. dba Level Lending NMLS #1196442 (www.nmlsconsumeraccess.org). See Level Lending.com/legal for state-specific license details.

Personal Loan Rates and Terms:

Fixed rates from 7.99% APR to 23.43% APR for online personal loan settlements. Level Lending rate ranges are current as of 5/20/22 and are subject to change based on market conditions and borrower eligibility to pay off debt efficiently. Interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a Level Lending loan.

The average of Level Lending Personal Loans funded in 2021 for personal loan settlement was around $23k. Not all applicants qualify for the lowest rate when aiming to pay off credit cards. Your actual rate will be within the range of rates listed and will depend on various factors, including your creditworthiness and income.

Subject to receipt of required documentation, underwriting guidelines, and processing time by your institution. Loans for amounts over $20,000 may require additional underwriting review time. Funds are disbursed via ACH as soon as the next business day after approval and acceptance of terms. Autopay is not required to receive a loan from Level Lending but can facilitate a smoother personal loan settlement process.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS for personal loan lenders. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors when looking for a personal loan for credit card settlement. Remember, not all applicants will qualify for the lowest rate.

Level Lending reserves the right to change interest rates at any time without notice; changes would only apply to applications begun after the effective date of the change. Loan Terms: Level Lending Personal Loans offer loans with a period of repayment between 2 and 5-year terms for personal loan debt settlement. Loan Fees: Level Lending personal loans have origination fees from $100 to 5% of the loan amount, depending on state guidelines, $25 late fees, and no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE for Quick Personal Loan Seekers

The following example depicts the APR, monthly payment, and total payments during the life of a $30,000 personal loan with a 2-year repayment term, and a fixed rate between 7.99% APR to 23.43% APR, which is standard among online personal loan lenders.

It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment terms, loan amount, creditworthiness, and other terms and conditions. Level Lending does not offer variable rate personal loans. State restrictions may apply when seeking a home credit personal loan settlement.

Same-Day Personal Loan Funding:

86% of typical Level Lending Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance options, from January 1, 2021 to December 1, 2021 that were signed before 7pm ET on a business day were funded the same day, showcasing the efficiency of quick personal loan processes.