Clear from the start
See the advertised loan and APR ranges before you begin—no hidden detours in the flow.
Personal loans from $5,000 to $100,000
Get up to $100,000 with competitive fixed rates.
Start with three quick details, complete one straightforward application, and review everything before you submit.
Your information is encrypted in transit.
- No faxing or paperwork to get started
- One fixed rate and a predictable monthly payment
- Apply online anytime, day or night
Prefer to talk it through? Call (888) 555-0100
- Loan amounts
- Up to $100,000
- From $5,000
- Fixed rates
- 4.60%–20.99%
- APR, varies by credit
- Application
- About 2 minutes
- To start online
- Support
- Available 24/7
- By phone
Why Phantom
A straightforward application, from start to submit.
Focused questions
Move through one guided application with only the details needed to review your request.
Review before you send
Check every field and disclosure in the same card, then submit when you're ready.
How it works
From amount to application in three clear steps.
One card, two short screens, and a final review. Each step is designed to keep you moving forward with clear expectations.
-
Step 1: Choose the amount
Select how much you need, the purpose, and your income range.
-
Step 2: Add your details
Share contact and address information in the same application card.
-
Step 3: Review and submit
Confirm your answers, accept the disclosures, and send your request.
Use cases
A flexible option for planned and unexpected expenses.
Whether you're consolidating debt or covering a surprise bill, the application stays the same clear path.
Debt consolidation
Combine higher-rate balances into one fixed payment you can plan around.
Home improvements
Fund repairs or upgrades without tapping home equity.
Major purchases
Spread the cost of a planned expense over a clear repayment schedule.
Unexpected expenses
Cover urgent costs with a straightforward application process.
Eligibility
What you'll need to apply
Gather a few basics before you begin—the application walks you through each item.
- You must be at least 18 years old
- United States citizen or legal resident
- Verifiable source of monthly income
- Working email address
- Verifiable home and work telephone numbers
Your state of residence will determine the minimum age and if you are able to apply for a Phantom Loans loan.
Privacy & security
Your information, handled with care.
The essentials from our Privacy Policy, in plain language.
Read the Privacy Policy-
Encrypted in transit
Your application is sent over a secure, encrypted connection from your browser to us.
-
We don't sell your data
We do not sell your personal information. Our Privacy Policy explains exactly how it's used and shared.
-
Mobile data stays private
Mobile numbers and opt-in data aren't shared with third parties for promotional or marketing purposes.
-
Opt out anytime
Reply STOP to any text message to opt out, or HELP for help. Consent to receive texts isn't a condition of any offer.
FAQs
Questions, answered.
Straight answers about amounts, rates, credit, and how the application works.
Where do I apply for a Phantom Loans loan?
Right here on this site. Start with the application at the top of this page, or go to the Apply page. Phone support is available 24/7 if you have questions along the way.
How does the application work?
Choose your amount, purpose, and income range, then add your contact details in the same card. Review everything and submit when you're ready—no faxing required.
How much can I borrow?
You can request from $5,000 up to $100,000. The amount available to you depends on your application and creditworthiness, and not everyone will qualify for the maximum loan amount.
What rates do you offer?
Fixed rates range from 4.60% to 20.99% APR. Your rate will vary depending on individual creditworthiness, and not everyone will qualify for the lowest rate.
Will applying affect my credit score?
A soft credit inquiry may be used for prequalification and will not affect your credit score. A hard credit inquiry will be performed only if you proceed with a full application.
Can I apply with less-than-perfect credit?
Yes. You can still apply if your credit isn't perfect. We look at the full picture of your application, not a single score in isolation.
What do I need to apply?
You'll need to meet a few basic requirements. See the eligibility section above for the full list.
Your state of residence will determine the minimum age and whether you can apply for a Phantom Loans loan.
Is Phantom Loans available in my state?
Phantom Loans is not available in all states. Your state of residence determines whether you can apply, as well as the minimum age to apply.
How do I stop text messages?
Reply STOP to any message to opt out at any time, or reply HELP for help. Consent to receive messages is not a condition for any of our offers.
Ready when you are.
Start with three quick details, complete the application at your pace, and review everything before submitting.