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$3,500 Loan with No Credit Check – Personal Loans for Any Credit

The sum of $3,500 may be handy for various personal needs, from covering unexpected expenses to financing big purchases and major life events. Still, not all $3,500 loans are created equally. Most traditional personal loan options require a borrower to meet strict credit and income requirements, making it difficult to qualify for people with bad credit.

Luckily, options exist regardless of your credit score. At Personal Loan Dial, we can help you find the best online loan offer tailored to your unique situation. Fill out a simple form and get linked with a trusted loan provider today.

What Are My $3,500 Loan Options?

There are several ways to get $3,500. We've selected the best options for borrowers with both good and bad credit.

Unsecured Personal Loans

These loans mostly suit borrowers who need to finance a major purchase or cover their long-term needs. They allow you to get the sum you need (usually up to $50,000 or $100,000) without providing any collateral. The repayment can be made within up to 60 months. Interest rates are usually up to 35.99%. Still, you need to have good or excellent credit to qualify.

Installment Loans

An installment loan is a bad credit loan that works similarly to a traditional personal loan but with more lenient eligibility requirements. Borrowers can obtain up to $5,000 and repay the funds within up to 24 months. Interest rates are usually higher compared to conventional loans.

Secured Loans

A secured loan provides money against the asset you own, such as your house, car, or savings account balance. Such loans are usually cheaper than unsecured ones due to less risks lenders take on. They may also be obtained with fair and bad credit. However, a borrower may lose their property if they fail to repay the money on time.

Joint Loans

These loans involve adding a guarantor to your loan application. Such a guarantor is called a co-signer. They will be responsible for repaying the funds if a primary borrower defaults on a loan. Joint loans usually offer lower interest rates than unsecured options. Terms are flexible and depend on the lender and both parties' income and credit score.

Title Loans

A car title loan allows you to borrow up to 50% of your car's title value by using your vehicle as collateral. The repayment period is usually short, ranging from 30 to 60 days. This makes them quite difficult to handle, especially if you take out a high loan amount. If you fail to repay on time, a lender will seize your car.

Credit Cards

Credit cards may meet your needs if you need money occasionally to cover emergency expenses. They are designed to provide a holder with a revolving line of credit up to a certain limit within which they can access the needed amount. When you repay what you've borrowed, you can use the same amount again. However, credit card interest rates may be quite expensive.

Car Loans

A car loan is a specific-purpose loan people use to obtain a vehicle. These products use the car you purchase as collateral, meaning that a lender can repossess your auto if you default on the loan. Car loans usually require a borrower to make a down payment, which can be about 10%-20% of the car's price.

$3,500 Loan Rates & Terms

Your loan terms may vary widely depending on the loan type, the lender, your income and credit score, and any collateral backing. On average, a $3,500 loan interest rate spans from 5.99% to 35.99%. Still, there are options with APRs between 16% and 200%.

The repayment is typically made in equal monthly payments within the loan life, which is usually between 2 and 60 months. Options like credit cards allow you to make only a minimum payment but will involve high interest applied to the remaining balance.

Additionally, lenders may charge extra fees for processing your loan request, issuing a loan, paying late, or repaying your loan early. They may range widely and be expressed either in a percentage of your loan amount or in a flat fee for each case.

Representative Example

Here's a breakdown of a $3,500 loan cost and monthly payments based on the approximate APRs and repayment terms:

APR Repayment Period Monthly Payment Total Loan Cost
21.99%6 months$621.31$3,727.88
32.99%12 months$346.37$4,156.48
61.5%24 months$256.74$6,161.79

The data provided are for informational purposes only. Your exact loan terms will depend on your creditworthiness, income, and the lender's policy.

Where Can I Get a $3,500 Personal Loan?

There are several ways to get a personal loan for $3,500. Below are the most commonly used options and their explanation.


Banks are conventional institutions that offer personal loans at reasonable terms. With their help, you can get $3,500 with an interest rate ranging from 5.99% to 35.99%. The repayment terms are usually very flexible, from 12 to 84 months. Despite all the benefits traditional banks offer, they usually have lengthy application and verification processes.

You will need to gather many documents to support your loan request and meet a minimum credit score requirement, which is typically 670. Approval may take from a day to several weeks. Approved customers usually get their funds within 1 to 5 business days.

Credit Unions

Credit unions are member-owned, non-profit organizations. They typically charge lower interest rates and fees compared to traditional banks and may set more lenient eligibility requirements. Still, you need to be a member of a certain credit union to qualify for its loans.

Membership typically involves working in a certain organization, living in a particular area, or belonging to a specific community. It may also involve monthly or annual membership fees.

Online Lenders

Online lenders offer more convenience and flexibility, allowing borrowers to get a loan from anywhere via the Internet. The entire process takes place online and is usually very fast. Borrowers commonly get their loans as soon as the next business day of approval.

Most online lenders set no strict credit score minimum and consider applicants with credit issues. By doing this, they take on more risk and set higher interest rates to offset it. They may also offer lower loan amounts, shorter repayment terms, and less personal touch.


Borrowing money from your loved ones can help you avoid paying extra interest. You can also get more flexible repayment terms based on your arrangement. However, it may be awkward to ask your family members or friends for this type of support. They may also not have the amount you need when you need it.

How to Get a Loan with Personal Loan Dial?

At Personal Loan Dial, we offer a simple and straightforward application process to make your borrowing experience fast and smooth. Here are a few steps you should take to apply:

Eligibility Criteria

Here are a few simple requirements you need to meet to qualify:

Are There Loans for $3,500 with No Credit Check?

In fact, the terms "no credit check" typically refers to a soft credit check that is performed via alternative agencies rather than major credit bureaus. Such a check doesn't affect a borrower's credit score and can be completed in a matter of minutes. Still, it's usually a mandatory part of the process. By running an inquiry, a lender tries to understand the likelihood of getting their money back on time.

Can I Get a $3,500 Loan with Bad Credit?

Sure, you can! Many lenders, including Personal Loan Dial's partners, assess factors other than just your credit score. They look at your overall financial situation and prioritize your income and payment history over your FICO rating. However, bad credit typically results in less favorable loan conditions, such as higher interest rates, lower amounts, and shorter repayment periods.

How to Qualify for a $3,500 Loan: Improve Your Chances

Here are some steps you can take to increase your chances of $3,500 loan approval:

Boost Your Credit Score

Although bad credit options exist, lenders will be more willing to work with you if your rating is high. Plus, this will result in better loan terms and lower interest rates. Make your debt and bill payments on time, don't use more than 30% of the overall available credit limit, and don't apply for new loans frequently within a short timeframe. You can also get a credit-builder loan, apply for a secured credit card, or become an authorized user of someone with good credit and healthy spending habits.

Increase Your Income

A high income can help you qualify for a loan even with a less-than-ideal credit score. Provide confirmation of all income sources you have to prove you can repay what you're going to borrow on time.

Provide Collateral

Lenders may be more willing to deal with you if they have a repayment guarantee. It may be a house, a car, or a savings account balance you provide as a pledge. If you default on a secured loan, a lender will be able to repossess the collateral and use it to cover your debt. Therefore, you may get much lower interest rates, borrow a higher amount, or increase your approval chances. Still, it carries risks to you, so you need to approach this option with caution.

Add a Co-Signer

A co-signer is a third party like your family member or friend who you add to your application as a guarantor. If you default on your loan, a co-signer will be responsible for making your loan payments. This may be a good way to get a loan for borrowers with low credit. However, it may be difficult to find someone who would take on such a risk.

Responsible Borrowing

Personal Loan Dial believes that responsible borrowing is key when it comes to your credit and financial health. Here's some advice to follow to make your experience pleasant:

Get a Personal Loan Today!

At Personal Loan Dial, you can request a loan in a matter of minutes by filling out just one simple form. Apply now and get the money you need by the end of the next business day! Have some questions left or need help with your application? Feel free to contact us at 1 (718) 488-57-20. Our managers are always here to help you navigate the process.


Are Personal Loan Dial a Direct Lender?

Personal Loan Dial is not a direct lender but a connecting service that partners with multiple direct loan providers at a time. By filling out just one application form, you can access offers from a huge network of our partners across the US.

How Will I Repay My Loan?

The repayment is usually made automatically. You provide a lender with access to your bank account and ensure you have enough funds on your balance when the due date comes. The lender will debit your monthly payments electronically.

Are There Any Extra Fees Associated with My Loan?

Some lenders may apply extra fees for processing your loan request or issuing the loan. If you pay late, there may be late payment charges and NSF fees. Their amount varies by lender and may be either expressed in a percentage of the loan or payment amount or in a flat fee.

What If I Fail to Repay a $3,500 Loan on Time?

Late payments usually result in penalties and extra charges, making your loan more expensive. Lenders may also report them to credit bureaus, which will negatively affect your credit score.