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Confessions of a Former Payday Loan Junkie - wisebread.com

No lunch for you! Because I got stiffed on my quarterly bonus, and my finances never got any better, my endless cycle of payday loans grew over time.

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Lending Club – Fixed rates starting at 6.16%. APR. Lending Club is a peer-to-peer lender that offers fixed-rate loans. You can $1,000. to $40,000.Loan terms range from 36 or 60 months. Once approved for a Lending Club loan you get a credit rating and loan options to choose from.

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4. BestEgg. BestEgg. offers personal loans up to $35,000 for people with credit scores as low as 660.APRs range from 5.99% to 29.99%.. You can check your rate without hurting your credit score, and BestEgg has an excellent application process (that can result in funding your loan very quickly).

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