Apply for a loan online, anywhere nationwide, with OneLoanPlace.com. Financial freedom starts here — where we build, connect, and service many financial solutions that define the way individuals and lenders interact. Our professionally staffed financial center will personally guide you through the lending process with the industry’s best customer service. We understand this may be your first time looking for a loan, so we’re going to make it easy for you. We do this by making it more secure, transparent, and efficient for the everyday person. We base our values with the borrowers, like you, rather than lenders. This makes us devoted to the helping parents, teachers, students, entrepreneurs, professionals, and all other working individuals endeavor past their financial hump into financial stability. Through the integration of multiple advanced technologies, we aim to help you get approved and funded, with the lowest possible interest rates.
OneLoanPlace.com is committed to communicating and sharing useful financial information with you, when you need it the most. We allow you to make more knowledgeable financial decisions while, at the same time, protecting your privacy from fraud, nationwide. Above all, we are determined to lead the way and progress positive change within the financial industry - in hopes of shaping the way people borrow money.
Be aware, the same nationwide loan laws apply for both storefront and online locations, so we aim to offer very competitive options. Nationwide, we have more flexible lending criteria than most mainstream banks. Therefore as long as you are able to manage the loan repayments, you can apply for a loan. This means you can apply for a loan no matter where you are, as long as you have documents that show you are a resident of your state. You can use the money to repair your car, have a night out, buy a gift, pay bills, or to simply get by. From here on, use our secured online lending portal to identify the best personal loans, business loans, or financial services.


Benefits for Borrowers nationwide

OneLoanPlace.com's vision is dedicated to changing the financial lending industry and serve as a nationwide tool to save money when shopping for unsecured loans and secured loans from anywhere in the country. We realize that you are an individual; with an individual story and goal. Additionally, we know you’re looking for a quick solution to better your conditions, and it’s easy to feel confused without knowing the statutory limits and standards when getting a loan. No worries there, we make it easy to borrow unsecured personal loans, small business loans, and negotiate your debt.

Our vision is to find a way to educate you, so you can make better, more informed decisions, and hopefully find financial success. We help you save time and money by providing the most accurate information for borrowing money across the country. We are constantly evolving our technology to develop less expensive and more effective financial service alternatives for you.

Nationwide Regulations and Laws Regarding Loans

Some nationwide laws put sensible limits on the rates and terms for borrowers. For most states, it is appropriate to impose lower rate caps for much larger loans. While in a few states, the financing rates indicated are not perfect because of looser lending principles.

Therefore, regulations for loans vary greatly from state-to-state. For example, if you’re a resident of Delaware you can borrow up to $1,000 with up to 60 days to make repayments. If you're a resident of Alaska, you can borrow up to $500 and are required to pay it back within two weeks. Some borrowers will find loans that are completely prohibited in their state, but not in others. The regulations have a huge effect on what lenders can charge; and it is also important for you, as a borrower, to be aware of those regulations. It is up to you agree that your loan has the right repayment terms, fees, and amount you desire. For more information, refer to our contact us page.

These rules apply for a $500 installment loan, with all fees included:

  • In 19 states and the District of Columbia, the full APR is 16% to 36%
  • 13 states allow interest and fees that can bring the full APR as high as 54%
  • 10 states allow fees that can potentially bring the full APR up to between 61% and 116%
  • 4 states place no cap on the interest rate except that it cannot be unconscionable
  • 4 states have no rate cap or ban on unconscionability at all

These rules apply for a $2,000 installment loan, with all fees included:

  • 31 states and the District of Columbia cap the full APR at 17% to 36%
  • 2 states allow rates and fees that can bring the full APR as high as 82%
  • 6 states allow interest and fees that can bring the full APR up to between 38% and 41%
  • 6 states place no cap on the interest rate except that it cannot be unconscionable
  • 5 states have no rate cap or ban on unconscionability at all

Loan Option disclosure:


Our personal loan lenders may offer payment terms from twelve to a maximum of eighty-four months. Our lenders offer annual percentage rate (APR) from 4.79% to a maximum annual percentage rate (APR) of 35.99%. Our lenders DO NOT offer short term or payday loans.

We are not the direct lender. We have lenders in most states and match them to our clients needs and likelihood of approval and acceptance. When you use our service we will do our best to connect you with a lender that offers the lowest interest rate loan with the most favorable terms matched on your likelihood of being approved for that loan, based on your location, credit situation, income and other factors.


Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.


We are partnered with multiple national lenders and all credit situations are considered. Additional information offered below:

APR, INTEREST RATE, and ORIGINATION FEES

An APR shows you the cost of borrowing money on a yearly basis. It can help you quickly compare different loans or credit cards on an apples-to-apples basis. The APR on a personal loan can include both the interest rate and origination fee. The origination fee may also be deducted from your loan proceeds, and there is usually no fee if you do not receive a loan.
The Annual Percentage Rate (APR) is the rate at which your loan accrues interest, and is based upon the individual lender's program. All terms and conditions for any loan for which you qualify will be presented before you submit your application. APRs vary from 4.79% to 35.99% for unsecured personal loans.
For example, If the origination fee is deducted and you receive a $6,000 36-month loan at an interest rate of 6.99% with a 2% origination fee of $120.00, you could receive a loan amount of $5,880.00 and make 36 monthly payments of approximately $185.24 at an 8.36% APR. In the case of a $20,000 60-month loan at an interest rate of 7.62% with a 3% origination fee of $600.00, you could receive a loan amount of $19,400.00 and make 60 monthly payments of approximately $401.90 at an 8.91% APR. Your actual monthly payment usually varies based on the APR, loan amount and term selected.

Credit Implications

Our participating lenders may verify your social security number, driver's license number, national ID, or any other state or federal identification, and review your information against national databases to include, but not limited to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. Some of our participating lenders will not perform credit checks with the three major credit reporting bureaus. When third parties check your credit score, it can lower your credit score. We will make every effort to only present programs that qualify and benefit your situation, and in hopes, help increase your chances of getting a loan with our lenders. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.

Implications of Late Payments

Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest, and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan, be sure you have read and understand the implications of making late payments. Also, each state has rules and regulations in place that lenders must follow when assessing fees for late payments.

Implications of Non-Payment & Collection Practices

If you do not make the payments on your loan, you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by federal and state laws to use fair practices in their collection actions for a loan that has not been repaid. Lenders should comply with the following practice:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not harassing you or using abusive language towards you over the phone
  • Not using deception to try to collect money from you
  • Not threatening you with legal action if it is not permitted

We will only allow lenders who are reputable and maintain their reputations actively; however, if you find any behavior that is not professional, or you feel is predatory, we need and want to know immediately. We are your advocate and your experience with us is paramount to the success of our company. We appreciate your trust in us to help you with your loan needs.