Racks Delivery is not a lender and does not make loan or credit decisions. Ad Disclosure
Personal loans · $100 to $35,000
Personal loan requests, handled properly.
Choose an amount and complete one short form. We'll search our network of lenders for one that may be able to help, and the decision stays with you.
256‑bit SSL encrypted · Free to use · No obligation
Racks Delivery is not a lender. Your request may be shared with lenders and partners who may pay us. Terms · Privacy · Ad Disclosure
How it works
The process, in three parts.
-
Choose an amount
Requests can be for $100 to $35,000, repaid in installments with terms of up to 72 months. You can adjust the figure on the next screen.
-
Complete the form
Questions about you, your income and your bank account, presented one at a time.
-
Review the outcome
If a lender in our network may be able to help, we refer you to their offer to read in full. Nothing is binding until you accept.
Why Racks Delivery
Clear terms, no surprises from us.
Free to use
There is no charge for sending a request through Racks Delivery.
Protected in transit
Your details reach us over a 256‑bit SSL encrypted connection.
One request, broad reach
A single request can reach many lenders in our network.
Cost examples
What a loan could cost.
How rate, fee and term determine the total. Actual terms are set by the lender.
- Interest rate
- 24%
- Origination fee
- 5% ($50)
- Amount you receive
- $950
- Term
- 12 months
- Monthly payment
- $94.56
- Total of payments
- $1,134.72
- APR
- 34.14%
- Interest rate
- 19%
- Origination fee
- 5% ($100)
- Amount you receive
- $1,900
- Term
- 24 months
- Monthly payment
- $100.82
- Total of payments
- $2,419.68
- APR
- 24.38%
- Interest rate
- 13%
- Origination fee
- 5% ($250)
- Amount you receive
- $4,750
- Term
- 48 months
- Monthly payment
- $134.14
- Total of payments
- $6,438.72
- APR
- 15.80%
- Interest rate
- 8%
- Origination fee
- 5% ($500)
- Amount you receive
- $9,500
- Term
- 60 months
- Monthly payment
- $202.76
- Total of payments
- $12,165.60
- APR
- 10.20%
| Loan amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest rate | 24% | 19% | 13% | 8% |
| Origination fee | 5% ($50) | 5% ($100) | 5% ($250) | 5% ($500) |
| Amount you receive | $950 | $1,900 | $4,750 | $9,500 |
| Term | 12 months | 24 months | 48 months | 60 months |
| Monthly payment | $94.56 | $100.82 | $134.14 | $202.76 |
| Total of payments | $1,134.72 | $2,419.68 | $6,438.72 | $12,165.60 |
| APR | 34.14% | 24.38% | 15.80% | 10.20% |
*These are example rates for illustration purposes only. Actual rates and terms will vary based on your qualifications and lender.
The APR includes the origination fee, which is deducted from the loan amount, so it is higher than the interest rate.
Questions
Frequently asked questions.
What type of loan can I request?
A personal loan, repaid to the lender in installments. Requests range from $100 to $35,000, with repayment periods of up to 72 months. Any offer depends on your circumstances and the lender.
Who is eligible to send a request?
Lenders typically require that you:
- are 18 or older
- are a U.S. citizen or permanent resident
- have a regular source of income
- have a bank account
Does Racks Delivery charge a fee?
No. The service is free to use. Lenders charge interest and may charge fees, and they must disclose the full terms before you agree.
How should I read APR and term?
APR, the annual percentage rate, is the yearly cost of credit, and it may range from 5.99% to 35.99%. The term is how long you have to repay, from 91 days to 72 months. Both depend on your circumstances and the lender.
Whom do I repay?
Your lender, under the schedule in your loan agreement. Please direct payment questions to the lender.
How is my information handled?
It travels to us over 256‑bit SSL encryption. When you submit, it may be shared with lenders, networks and service providers, as described in our Privacy Policy and Marketing Disclosure.
Start when you're ready.
Choose an amount, complete one short form, and we'll carry out the search.