Questions, answered.

We don’t require a minimum credit score — we quote everyone. Our underwriters look at the whole picture: income, debt-to-income ratio, banking history, and employment stability. Borrowers with strong credit qualify near our lowest APR (from 8.99%); borrowers with limited or no credit history are still considered and may qualify at the upper end of the range (up to 35.99% APR). Borrowers turned down by traditional banks often qualify through our underwriting.

No. We don’t pull your credit just to give you a rate quote. A specialist reviews your details first and walks you through your rate — no impact to your score at this stage. A credit check happens only later, once you decide to move forward.

Loans range from $1,000 to $50,000. Most approvals fall between $5,000 and $25,000.

APR ranges from 8.99% to 35.99% (fixed) based on your creditworthiness, loan amount, term, and verified income. Borrowers with excellent credit (740+) typically qualify near 8.99%; borrowers with limited or no credit history may qualify toward the upper end of the range. Your specialist reviews and confirms your rate before any credit check happens, so you see your real number before committing.

We charge zero origination fees. No application fee. No prepayment penalty. The only thing you pay is principal plus interest.

Most approved borrowers receive funds via ACH as soon as the next business day after signing.

Loan terms range from 24 to 84 months. Choose the term that fits your monthly budget.

Yes, anytime, with no penalty. Many borrowers pay extra each month to finish faster — you only pay interest on the remaining balance.

We use bank-level 256-bit encryption end-to-end. Your personal information is never sold or shared with third parties beyond what is required to process your loan.

Nationwide Loans is a personal-loan brand headquartered in Beaumont, Texas. Our specialists answer the phone Monday–Friday 6am–8pm CT and weekends 8am–4pm CT at 1-866-466-6080. State licensing details specific to your application are confirmed by your specialist during your call.

Call us as soon as you know you might miss a payment. We have a hardship program that can defer or restructure your loan. We work with borrowers going through a rough patch before any late fees or collection action — but we can only help if we hear from you early.

We currently lend in 48 states. Residents of those states can apply directly through our verification page.