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Personal Loans with Backed Options

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Personal Loans with Backed Options

Backed loans are no longer believed to be in the market. Check out a personal Backed loan to other loans.

Annie Millerbernd Lead Writer personal loans, “buy now, pay later” loans, cash advance apps Annie Millerbernd is an NerdWallet expert on personal loans. Prior to joining NerdWallet in the year 2019 she was news reporter in California and Texas as well as an online content specialist at USAA. Annie’s work has been cited by the media and has been published in The Associated Press, USA Today and MarketWatch. Annie has also been quoted in New York magazine and appeared as a guest on the NerdWallet’s “Smart Money” podcast, as in addition to local television and radio. She’s located within Austin, Texas.

October 16, 2020

Edited by Kim Lowe Lead Assigning Editor Consumer lending Kim Lowe leads the personal loans editorial team. She was hired by NerdWallet in the last 15 years, after of managing content for MSN.com, including travel, health and food. She started her career as a writer for publications that covered the mortgage food, restaurant and supermarket industries. Kim received an undergraduate degree in journalism from the University of Iowa and a Master of Business Administration from the University of Washington.

A majority of the items featured on this page come from our partners who pay us. This impacts the types of products we feature and the location and manner in which the product is featured on a page. However, it does not affect our assessments. Our opinions are entirely our own. Here is a list of and .

Backed, a bank that offered low-rate, co-signed personal loans it appears to no longer offer unsecure personal loans. The lender does not have an online presence, and NerdWallet is unable to contact the company. You can find an individual loan at banks, credit unions and .

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Personal loan alternatives to be Backed

Online lending

Online lenders tailor the personal loans to various kinds of borrowers. These lenders cater to borrowers who have fair, good or bad credit, and permit borrowing for just about any purpose. Some offer joint personal loans, which are similar with co-signed loans. By comparing offers, you can to get the best deal and find the loan with the greatest features.

Here’s what a typical online loan looks like:

Credit scores ranging from low to excellent accepted.

APR range from 6% to 36%.

Loan amounts: $1,000 to $100,000.

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Credit unions

Credit unions can be a great first stop for members who have bad or fair credit. They look beyond your credit history and consider the status of your relationship at the bank to make an loan decision.

, a national credit union, permits members to add co-signers to their personal loans. The membership is open to anyone who wants to join.

Here’s what a typical union loan appears to be:

Credit scores that range from poor to excellent may be accepted.

APR range from 7% to 18%.

Amounts of loans: $500 to $50,000.

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Compare personal loans

Three lenders are worth your time you can look into as alternatives to Backed. They all offer joint or co-signed loans. NerdWallet suggests working with several lenders to check rates.

NerdWallet’s ratings are evaluated by the editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.

The ratings of NerdWallet are based on the opinions of the editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including the impact on credit scores rates and fees, customer service and ethical lending practices.

The ratings of NerdWallet are based on the opinions of our team of editors. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees customers’ experience, and responsible lending practices.

Est. APR 8.49-35.97%

Est. APR 7.99-29.99 Percentage

Est. APR 18.00-35.99 percent

A loan term ranging from between 2 and 7 years

A loan term ranging from 2 to 5 years

The loan term is 2-5 years

The loan amount is $1,000-$50,000.

Loan amount $5,000-$50,000

The loan amount is $1,500 to $20,000

Min. credit score 560

Min. credit score of 620

Min. credit score Non e

Banks

The most notable feature of the Backed personal loan was the possibility to add a co-signer, that is uncommon among bank lenders. is one of the banks that permits the borrower to include co-signers to improve their chances of approval, or to get a lower interest rate.

Here’s what a typical loan appears to be:

Good- to excellent-credit borrowers and existing customers preferred.

The APR is 5% – 29%.

The loan amount is $1,000 up to $100,000.

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About the author: Annie Millerbernd is an individual loans writer. Her work has appeared in The Associated Press and USA Today.

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