Currently Lending

Expansion 2016

Personal Installment Loans

Requirements:
  • Credit Score: 540+
  • Income Source: Employed, Self-Employed, or Disability/Benefits
  • Loan Range Given: $2,000 to $35,000
Each state has its own rules and regulations for personal loans, so your loan amount and rate will depend on where you live. For example, the legal loan amounts in California range from $2,600 to $35,000, with an interest rate ranging from 4.99% to 149%. While each state has different personal loan laws, your loan amount, APR, and length of loan will depend on a variety of factors that Argon uses, including your credit score and history.

Our process is quick and convenient. You can request a loan online by providing basic personal and financial information. Argon will provide you with a loan agreement individually tailored to your financial needs. Once you accept the loan agreement and your information is verified, your loan will be directly deposited into your bank account. For your convenience, we will have monthly payments deducted from the same account via automatic withdrawal.

Argon allows loan balances to be paid off early with no additional fee.

Personal Loan Requirements

Before requesting a personal loan with Argon, please make sure you meet our specific criteria regarding these items:

Age/ID/Residency Status: You must be 18 or older to be eligible for a personal loan with Argon. If you reside in Alabama, you must be 19 years old. You must also have a valid Social Security number, and be a legal U.S. citizen or permanent resident.

Income: In order to ensure that you will be able to repay a loan, you must have full-time employment, be self-employed, or receive regular disability, pension, or Social Security benefits. Argon does require a pay stub, award letter, recent tax returns, or other form of income verification.

Bank Account: Argon requires a valid checking account, as once a loan is approved for you we will deposit your funds directly into said account. The account must be older than 30 days, and we do not accept savings accounts as valid accounts.

Credit Type:You do not need to have excellent credit to qualify for a personal loan with Argon. However, we do require that customers demonstrate a pattern of financial responsibility. To be eligible for our personal loan, an individual must typically not have any accounts more than 60 days past due, not have active or recent bankruptcies, not exhibit a pattern of late payments, not have debt that cannot be covered by current income, and must not have any recently charged-off accounts.

Meeting these requirements does not necessarily guarantee you will be approved for a personal loan, but it does significantly boost your odds of approval.

APR Information
Interest Rates and Repayment Explained

The Annual Percentage Rate (APR) is the interest rate that you are charged on your personal loan. Argon will quote you the exact APR you will be charged upon the final approval of your application. APRs can vary based on the state in which a customer resides, the information supplied in your initial loan application, and credit history.

Argon will give you all details on the APR, finance charges, and other terms once you are approved and your offer is presented to you. If you require assistance, you can contact us at your convenience. Please reference our homepage for our contact information.

The APR associated with Argon’s personal loans ranges from 4.99% to 149% depending on your credit history, loan term, and individual state laws. Additionally, other incurred fees may apply for nonpayment, late payment charges, accrued interest, and any other breaches of contract.

Argon is a professional lender who provides applicants with detailed information concerning loan terms and conditions prior to their accepting any personal loan offer. We recommend that you closely view the terms of any loan offer you receive.