• Personal loans

Unlock the possibilities

Personal Loans From $1,000 – $36,500*
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Does not impact your credit score*

Money Made Easy ™

Check Your Options

Check Your Options

Get started with a simple application to see your payment options with no impact to your credit score.
Finish Application

Finish Application

Select the best loan terms and monthly payment for you and provide some additional information to complete your application.
Receive Funds

Receive Funds

If approved, the funds could be in your account as soon as the next business day.

Manage your finances on the go

  • Apply for a personal loan
  • Easy to use and navigate
  • Monitor your credit score
GuardianLoans Mobile App

Technology that sees your potential

GuardianLoans believes you are so much more than numbers on papers or filled-in form fields. That’s why we’ve spent years perfecting a proprietary smart technology that, in seconds, can paint a more complete picture of you. A picture that unlocks your perfect loan solution and all the possibilities that come with it.

Unlock the possibilities with a personal loan through GuardianLoans

Personal loans from $1,000 to $36,500 with flexible financing options and rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months.

Frequently asked questions

Who is Guardian Loans Company?
Guardian Loans Company is a provider of unsecured personal loans for consumers serving FICO® scores up to 850. Through proprietary technology and algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” After serving hundreds of thousands of consumers, we’ve expanded into small business, and merchant point-of-sale lending solutions to further unlock access to affordable loans.
How does Guardian Loans Company keep my personal and bank information safe?
Guardian Loans Company takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding Guardian Loans Company security policies and procedures can be found here:
Does applying impact my credit score?
Providing your basic information to view loan options does not impact your credit score. To determine how much you could qualify for, we conduct a “soft pull” of your credit. If you select a loan option and continue your application, we require a “hard inquiry” to verify the information you’ve provided on the application for final loan approval. This “hard inquiry” will be seen as an inquiry on your credit report.
What is the eligibility criteria for a Guardian Loans Company loan?
To be eligible for a GuardianLoans loan, you must:
  • Be 18 years or older
  • Be able to provide a U.S federal, state, or local government-issued photo ID
  • Have a social security number
  • Have a minimum annual income of $35,000 (from employment, retirement, or some other source)
  • Have a verifiable personal banking account in your name
  • Not reside in Nevada or West Virginia
How much can I borrow?
Our personal loans range from $1,000 to $36,500. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio).
What’s the status of my loan application?
If we request additional documentation to complete your application, you’ll be notified of a decision within one to three business days once the information is received. You can check the status of your application by calling Customer Support at +1(620)408-3988 +1(620)408-3988.
Why was my application declined?
If your application was turned down, you’ll receive an email regarding the decision, including how to get a statement of specific reasons.
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