Access fast, easy & smart loans in simple steps

Available loan offers from $200 - $200,000 for personal loans

Why Choose Us?

In few simple steps, your loan request will be approved.

 

Complete Online Application

Apply today and get preapproval within minutes after providing accurate detail to calculate your approved loan amount withing 2-3 business days.

 

Available Loans

Apply for loan as low as $200 to $200,000 for personal loans, for every need that may arise. Our interest rates are from zero to minimal with long-term payment plans.

 

Rate Check

Check rates as low as 0.5% to 2.99% from multiple lenders and choose among your most suitable providers with support from our loan experts. All lenders have the least interest rates than our competitors.

 

Pre-approval

Streamline the loan application process by obtaining pre-approval through our convenient service. Our pre-approval allows you to get a head start on your loan process. Approval is 100% certain after you get pre-approved notification.

CREDIT BUILDER PLUS LOAN.
Worry about low or bad credit score?!
Do not worry about your credit status! Our low/bad credit score service offers comprehensive credit score analysis and assists customers in indentifying areas of credit score improvement.
Get up to $1,000 while you build your credit score. More than half our members raise their score up by 25 points within the first 60 days.

Every loan offer in easy steps

IOUCredits loans from reliable financial institutions and personal lenders.

Personal Loan

Personal Loan

With our personal loan service, you can consolidate your debts and manage your expenses with ease, experiencing zero or minimal repayment rates. With these liable personal loans, you can achieve your personal goals, offering a simple application and personalized customer support. Our lenders offer loans ranging from $10,000 - $200,000 on personal loans.

Apply Now
Business Loan

Business Loan

Get the funding you need to expand your business, purchase equipment, or increase working capital with our Business Loan service. Our business loan services offer competitive interest rates and flexible repayment terms to help your business grow and thrive. We will connect you with lenders who can offer loans ranging from $10,000 - $2,500,000 with suitable interest rates and repayment duration.

Apply Now
Medical Loan

Medical Loan

Our medical loan is convenient and flexible financing solution designed to help individuals cover medical expenses, including procedures, treatments, and healthcare services. We provide quick approval and easy application process with the aim of alleviating the financial stress associated with unexpected medical bills and bring peace of mind to those in need of medical assistance.

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Education Loan

Education Loan

Secure your future by investing in your education with our competitive and hassle-free education loan. We assist students who aspire for higher education but cannot meet the hefty expenses. These loans cover the fee of the course along other financial challenges that may occur during study period.

Apply Now
Mortgage & Housing

Mortgage & Housing

We provide comprehensive support for individuals and families seeking to secure a mortgage or find housing solutions, guiding you through every step of the process. Now you can experience the peace of mind that comes with mortgage & housing services, as we assist you in achieving your home ownership and housing goals.

Apply Now
Cash Advance

Cash Advance

Access short term loan ahead of when your paycheck arrives. Instead of going through inconvenient means, our lenders can give you access to cash in advance to cover emergency bills. Say goodbye to financial stress by utilizing our efficient cash advance services today. You can get cash advance approval of $1,000 and above.

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Vehicle Loan

Vehicle Loan

We offer both personal, passenger and commercial vehicles loans as well as two-wheelers, four-wheelers, and heavy vehicles. Our vehicle loan services offer flexible repayment options and personalized financing solutions with pocket friendly payment plans.

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Travel Loan

Travel Loan

You can access our travel loans for studies, tourism and other recreational loans available. These are loans that provides personalized solutions tailored to suit your specific travel requitements. say goodbye to financial constraints and hello to unforgettable journeys with travel loan convenient borrowing options.

Apply Now
Credit Cards Loan

Credit Cards Loan

We offer credit cards loans in advance and also clear credit debts at very low interest rates. With credit card loans you can simplify your financial situation by combining multiple credit card balances into a single, manageable loan with zero or lower interest rates.

Apply Now
Join private lenders to support our loan scheme!
Join our community of private lenders and organization to support the financial needs of the public within expert supervision and experience.
Fill the form for more details!

Our Approval Network Rates

 
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Need a business growth advisor to help you secure small business funding?
Available business loan approval from $10,000 - $2,500,000
from our partner lenders.

Blog

Recent news and what our experts have to say. Join the community.

What Our Customers Say!

 

IOU Credit Network was very helpful and great to work with. I was matched with the best mortgage rates for I and my family. Now I can put my family in a safe shelter. I highly recommend your loan services to anyone out there. Thank you.

     
Jane Walters
Mortgage & Housing- Principal Borrower
 

I had amazing experience working with David from IOU Credit network. He made the process very easy, quick and simple for me. I worked with another company, but it seems somethings were not right until I got email from your company to assist me with my loan approval. It went smoothly and today my business is enjoying lending funds from you with the least interest rates out there.

     
Smith Leonard
Business Loan- Borrower
 

I'm glad IOU Credit Network helped me with my personal loans. It didn't take up to 24 hours to get credited after I needed urgent money for family upkeep. I'm so grateful for the swift response and support from the customer service.

     
Julia Western
Personal Loan- Beneficiary
 

It's so amazing how I got pre-approval from IOU Credit Network even with my bad credit score. I doubted if I will ever get approval from any lender but it was to my surprise after I contacted the customer service, and they helped me secure a loan even with my low score. I'm so grateful now my score is getting better since I paid back my loan twice. I'm so relieved.

     
Moris Jackson
Travel Loan Applicant
 
 
Say goodbye to bad or low credit score!
Enjoy seemless improvements on your credit score. You can get loan approval(s) as we help to build your credit score. Even if your credit isn't ideal, you still have a chance to qualify! Send email to submit a loan request in just few steps.

Fill Application Form

Fill the application form to get preapproval email within the next 24 hours with our loan expertise and supports. All information requested should be filled correctly as it will be used to verify your identity which also increases your chances of getting loan approval and funding within the next business days. Note: that our loans are approved by our lending partners or by any of our private lenders.
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Frequently Ask Questions

We are a third-party credit providing company with high level of customer service and satisfaction with over 10 years of experience merging borrowers to their most suitable lenders in few easy steps.
We have franchise with the best lenders across the United States and this have made it easy to create a forum for zero or minimal payback rates on every loan we give to our customers.
Every lender has its own methods of evaluating borrowers and determining rates, so it’s a good idea to compare prequalified rates from more than one lender. Generally, the shorter the loan term, the lower the interest rate offered by most lenders; and the better your credit score and credit report, the better the interest rate you can qualify for. Some lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your bank account.

Qualifying for the lowest rates offered by a lender is dependent on your online application, credit approval and score, loan terms, and other factors. Through Credible, you can easily compare loan offers, loan terms, origination fees, monthly payment amounts and repayment terms.
Using IOU to check your rates doesn’t affect your credit score. Here’s how it works: Our prequalification process uses a soft credit inquiry that allows you to see personalized rates without you having to apply for a loan.

There is no obligation to proceed with any of the loan options presented on your dashboard, but if you see a loan offer with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit inquiry when you apply for the loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five.
How much loan you can borrow depends largely on your debt-to-income ratio, which is how much of your monthly income goes to paying ongoing obligations like your rent, car payment, or credit card and other bills. Many lenders also have minimum credit score requirements for credit approval.

The upper limits for personal loans vary by lender but typically fall in the $200 to $200,000 range while other loans as mortgage and business loans vary from $10,000 to $50,000 for first time loan and can have access to up to $2,500,000 loan offers if payment(s) is made before due time. However, lenders in our marketplace offer loans to qualified borrowers after subsequently paying back loans before deadline day.
Once you’ve completed the loan application process, our team of experts shall review your application and you will get preapproval immediately if your details are input correctly. Most lenders can fund your loan by the next business day, or 2-3 business days (though it can take up to about a week, depending on the lender and your application).

For more information, feel free to reach out to our customer service for detailed explanation.
Yes, you can still get loan approval with a bad credit score here at IOU-Credit Network. However, the terms and interest rates may be less favorable than for those with good credit. Also have in mind that our systems of loans also help to build your credit score in little time duration compared to our competitors.
Nevertheless, it is important to understand that we carefully compare terms and rates to best favor our customers.
Please check the loan agreement sent to your email concerning the received loan, as each loan may vary.
We take privacy seriously, that is why we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also look our privacy policy on more details on this.

Disclaimer

The operator of this website "https://www.ioucreditnetwork.com" is NOT a lender or a broker, does not make offers for loans and does not charge you for any service or products. This site allows you to submit your information to our network of top lenders to determine if they may be able to offer you a personal loan ranging from $200 up to $200,000 for personal loans and from $10,000 to $2,500,000 for business loans. The actual amounts, terms, and APR a customer could qualify for will vary based on credit scores, individual lender requirements, and state laws. Not all lenders can provide up to your expected amount, but we can assist you to get loans from different lenders at a time. Services are available in all states. Credit checks may be obtained by some lenders. By using our website, content and services, you agree to our Terms of Use, Privacy Policy, and Disclaimer.

Because IOU-Credit Network is not a lender, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of money you may receive from using our referral services, but we can assure that you will get the best loan approvals and best rates out there. The operator of this web site will share the information you provide with our participating lenders, advertisers, networks and other partners who may or may not lend or issue credit.

Providing your information on this website guarantees that you will be chosen by a lender or approved for a loan. Although, we do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form to these lenders.

Because each lender is different and IOU-Credit Network, we have no control over the rates and fees each lender charges, but we help to subsidize these rates to best help our customers. we help to carefully review the terms associated with the offer before accepting or declining them on your behalf. Please remember that you are never under any obligation to accept offer from a lender and you can cancel the entire process at any time at your discretion. IUO-Credit Network cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your short-term loan, please contact our customer service for assistance. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for a loan. If you are not chosen by a lender in the participating lender network, your information may be offered to another participating third-party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, we may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor via our customer care email or chat link(s). 

Advertising Disclosures https://www.ioucreditnetwork.com is a for-profit advertising network. We receive compensation, in the form of referral fees, from the lenders and/or lending partners, networks, or other offers that we direct you to. Therefore, the amount of compensation provided, along with other factors, may impact which offer you are presented. The offer you receive may be coming from the company that bid the most for new customers. We always provide you with an offer with the best rates or terms for you. Our website includes all companies or best suitable offers for you. Our loan officers research all available loans options to you.