With great rates and affordable terms, our personal funding programs offer you the best chance of getting approved and receiving your money fast and easy. We take the guessing out of the finance game for you. No more need to shop your credit to get the right personal loan. This program is available in all 50 states. Popular uses include home improvements, debt consolidation, unexpected expenses, and more. 3, 5, and 7-year term loans and lines of credit with rates starting at 4.99%.