Testimonial Pittsburgh is truly unique because it has all the advantages of a big city - like great shopping, dining, museums, and sports teams - but with affordable and varied housing options and a small-town feel. The variety of neighborhoods and the lifestyles they accommodate make the city accessible for young and old residents alike!
-Erin A.

If you're looking for a personal loan in Pittsburgh, you're lucky! Direct lenders from Pittsburgh have some of the lowest interest rates around! Our rates start at 7.99% APR and can go up to 3.99% APR, depending on your credit rating and loan amount. In addition, fixed-rate loans are guaranteed not to change over time, so you'll always know how much your monthly payments will be.

With such low rates, it's easy to see why they don't charge fees or penalties for early repayment. You can pay off your loan whenever you want. They won't even charge interest on the balance if you pay it off before it's due!

When you need a personal loan, the first thing you'll want to do is find out what your interest rate will be. The interest rate is the amount you pay the bank to borrow their money and use it to buy whatever you need.

When you apply for a personal loan, you'll likely be asked for your credit score, which is a number that represents how responsible you've been with other forms of borrowing. The higher your credit score, the better your chance of getting approved for a loan and being offered a lower interest rate.

If you don't have any credit history yet or if your credit score isn't great, other factors may influence the interest rate you get from your lender. For example:

How much money do they think they can make off of your loan?

Is this a new type of loan for them? If so, they might not have as much information about how people who take out loans like yours tend to repay them (which means they might charge more).

How much risk are they willing to take on when they lend money? For example, some lenders will offer lower rates because they believe people will buy something expensive and pay them back quickly.

When you apply for a loan, they'll run a credit check and look at your financial history before deciding whether or not to approve your request if your score is above 650. But if it's below 650 or if loan providers think there's a chance that you may default on the loan, they might ask for additional documents like proof of income, tax returns from the last three years, or bank statements from the previous six months.

Types of Personal Loans

Installment loans


Installment loans have fixed payments over an agreed-upon period, usually between 12 and 60 months. The borrower pays a set amount every month until the loan is paid in full. This loan type is suited for people who don't want to make one large lump sum payment at the start of their loan term but would rather pay something each month over a more extended period. Installment loans offer lower interest rates than other types because they spread payments over time.

Debt consolidation loans

Debt consolidation loans combine multiple debts into one new loan with a lower interest rate and shorter term than you'd typically find on your existing debts—meaning you'll save money on interest costs! These loans can help borrowers get out from under high-interest credit card bills or medical bills.

Home Equity Loan

If you have equity in your home, you can use it as collateral for a loan to pay for things like home improvements or college tuition for your children. You can use home equity loans to repay credit card debt for remodeling projects. Home equity loans can also be used as a source of emergency funds.

Home equity loans have some limitations: they're often not available for first-time homebuyers or people with low credit scores, and they require higher interest rates than other types of loans because your home's value secures them.

To learn more about our loans, just contact us!