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Click the button below to see estimated rates from multiple online lenders on NerdWallet. Compare your offers with other credit options. Before you choose a personal loan: See if you qualify for a 0 credit card. If you have good credit, you can probably get a credit card that has 0 interest on purchases for a year or longer. If you can repay the loan in that time, a credit card is your cheapest option.
Consider a secured loan. If your credit isnt great, you may get a better interest rate with a secured loan.
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Successful attempts could drain your bank account and cause other transactions to bounce, resulting in more fees. At the same time, lenders will start calling, sending letters from lawyers and contacting the relatives or friends you used as references when you took out the loan. By federal law, lenders can only ask for help in locating you - they cant reveal their identity or your debt situation to anyone.
Jail time. No - but threats are common. Failure to repay a loan is not a criminal offense. In fact, its illegal for a lender to threaten a borrower with arrest or jail.