{"id":49888,"date":"2021-04-08T11:24:34","date_gmt":"2021-04-08T19:24:34","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=49888"},"modified":"2024-01-25T13:05:07","modified_gmt":"2024-01-25T21:05:07","slug":"covid-19-how-personal-loan-lenders-are-helping-borrowers","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/personal-loan\/coronavirus-debt-help\/","title":{"rendered":"COVID-19: How Personal Loan Lenders Are Helping Borrowers"},"content":{"rendered":"<p>The COVID-19 pandemic has had a negative impact on the employment and income of many people. If you need to borrow money to cover expenses during this time, you might wonder if you can still take out a personal loan \u2014 or if any help is available to borrowers who already have a loan and are struggling with payments.<\/p>\n<p>Keep in mind that most lenders are aware of the financial consequences of the pandemic, and many of them have various assistance options available to borrowers affected by coronavirus.<\/p>\n<p><b>Here\u2019s what you should know about the impact of COVID-19 on personal loans:<\/b><\/p>\n<ul>\n<li><a href=\"#coronavirus-personal-loan\">Has coronavirus affected the process to take out a personal loan?<\/a><\/li>\n<li><a href=\"#loan-assistance-lender\">Personal loan assistance by lender<\/a><\/li>\n<li><a href=\"#other-lenders\">Other lenders<\/a><\/li>\n<li><a href=\"#options-help-loans-pandemic\">Other options for help with loans during the pandemic<\/a><\/li>\n<li><a href=\"#scams-during-pandemic\">Watch out for scams during the pandemic<\/a><\/li>\n<\/ul>\n<p><a name=\"coronavirus-personal-loan\"><\/a><\/p>\n<h2>Has coronavirus affected the process to take out a personal loan?<\/h2>\n<p>Despite the ongoing economic fallout of the COVID-19 pandemic, <a href=\"https:\/\/www.credible.com\/personal-loan\">low interest personal loans<\/a> are still widely available. The process to take out a personal loan has also generally not been affected.<\/p>\n<p>However, keep in mind that you\u2019ll still typically need good credit and verifiable income to potentially qualify for a loan. Additionally, some lenders might have more stringent requirements because of the pandemic.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>Some lenders are providing <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/coronavirus-hardship-loans\/\">coronavirus hardship loans<\/a> that might be easier to qualify for. Depending on the lender, these small emergency loans might come with low or even 0% interest.<\/div><\/div>\n<p>If you decide to take out a personal loan, be sure to consider how much that loan will cost you in the future so you can prepare for any added expenses. You can estimate how much you\u2019ll pay for a loan using our <a href=\"https:\/\/www.credible.com\/blog\/calculators\/personal-loan-calculator\/\">personal loan calculator<\/a> below.<\/p>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"15000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"18\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"10\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n        loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    loan.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Need a personal loan?<\/strong><br \/>\nCompare rates without affecting your credit score. 100% free!<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/personal-loans\/borrower\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/emergency-loans\/\"><b><i>Emergency Loans: How to Get a Personal Loan Fast<\/i><\/b><\/a><br \/>\n<a name=\"loan-assistance-lender\"><\/a><\/p>\n<h2>Personal loan assistance by lender<\/h2>\n\n<table id=\"tablepress-884\" class=\"tablepress tablepress-id-884 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><a href=\"#freedomplus-jump\"><strong>Achieve<\/strong><\/a><\/td><td class=\"column-2\"><a href=\"#avant-jump\"><strong>Avant<\/strong><\/a><\/td><td class=\"column-3\"><a href=\"#axos-jump\"><strong>Axos Bank<\/strong><\/a><\/td><td class=\"column-4\"><a href=#best-egg-jump><strong>Best Egg<\/strong><\/a><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><a href=\"#discover-jump\"><strong>Discover<\/strong><\/a><\/td><td class=\"column-2\"><a href=\"#happy-money-jump\"><strong>Happy Money<\/strong><\/a><\/td><td class=\"column-3\"><a href=\"#lendingclub-jump\"><strong>LendingClub<\/strong><\/a><\/td><td class=\"column-4\"><a href=\"#lendingpoint-jump\"><strong>LendingPoint<\/strong><\/a><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><a href=#lightstream-jump><strong>LightStream<\/strong><\/a><\/td><td class=\"column-2\"><a href=\"#onemain-jump\"><strong>OneMain Financial<\/strong><\/a><\/td><td class=\"column-3\"><a href=\"#penfed-jump\"><strong>PenFed<\/strong><\/a><\/td><td class=\"column-4\"><a href=\"#prosper-jump\"><strong>Prosper<\/strong><\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><a href=#sofi-jump><strong>SoFi<\/strong><\/a><\/td><td class=\"column-2\"><a href=#universal-credit-jump><strong>Universal Credit<\/strong><\/a><\/td><td class=\"column-3\"><a href=\"#upgrade-jump\"><strong>Upgrade<\/strong><\/a><\/td><td class=\"column-4\"><a href=\"#upstart-jump\"><strong>Upstart<\/strong><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Many lenders are providing hardship assistance to borrowers who have been impacted by the pandemic. Here are the potential options available from each of Credible\u2019s partner lenders:<\/p>\n<p><a name=\"achieve-jump\"><\/a><\/p>\n<h3>Achieve<\/h3>\n<p>If you have an Achieve personal loan, you\u2019ll need to contact the lender to see what assistance options might be available to you.<\/p>\n<p>Achieve has also provided a <a href=\"https:\/\/www.freedomplus.com\/data\/FP_Coronavirus_Resource_Guide.pdf\" rel=\"\u201cnofollow\u201d\">resource guide<\/a> for customers detailing federal and state coronavirus resources that might be helpful.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>You can contact <a href=\"https:\/\/www.credible.com\/lenders\/achieve\/\">Achieve<\/a> by <a href=\"mailto:customersupport@freedomplus.com\">email<\/a> or by phone at 800-297-5879.<\/p>\n<p><a name=\"avant-jump\"><\/a><\/p>\n<h3>Avant<\/h3>\n<p>If you need assistance with an Avant loan because of COVID-related financial distress, you\u2019ll need to call the lender directly to see what help might be available to you.<\/p>\n<p>You can also visit your loan dashboard to schedule and change your payments and payment method.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> Call 800-712-5407 to discuss your options with an <a href=\"https:\/\/www.credible.com\/lenders\/avant\/\">Avant<\/a> representative.<\/p>\n<p><a name=\"axos-jump\"><\/a><\/p>\n<h3>Axos Bank<\/h3>\n<p>Borrowers who can\u2019t make their payments on an Axos Bank loan have been directed to contact Axos by email. Axos Bank typically responds to emails within five business days. Be sure to send only one email so the response isn\u2019t further delayed.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>Send an <a href=\"mailto:portfoliomanagement@axosbank.com\">email<\/a> or call <a href=\"https:\/\/www.credible.com\/lenders\/axos-bank\/\">Axos Bank<\/a> at 866-923-3625 to see what hardship assistance might be available.<\/p>\n<p><b><i>Check Out: <a href=\"\/personal-loan\/low-income-loan\">Low-Income Loans: Personal Loans for a Tight Budget<\/a><\/i><\/b><\/p>\n<p><a name=\"best-egg-jump\"><\/a><\/p>\n<h3>Best Egg<\/h3>\n<p>Best Egg hasn\u2019t publicly disclosed specific coronavirus payment relief options. However, borrowers who can\u2019t make their payments have been advised to either log into their Best Egg Account Portal or contact a Best Egg loan specialist to see if any COVID-19 payment programs are available to them.<\/p>\n<p>Additionally, if you\u2019re enrolled in autopay, it\u2019s a good idea to call a Best Egg loan specialist to make sure no payments are accidentally withdrawn.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>To discuss your options with <a href=\"https:\/\/www.credible.com\/lenders\/best-egg\/\">Best Egg<\/a>, you can call 855-282-6353, send an <a href=\"mailto:Loan_Assistance@mybestegg.com\">email<\/a>, or log into your Best Egg Account Portal to access online chat.<\/p>\n<p><a name=\"discover-jump\"><\/a><\/p>\n<h3>Discover<\/h3>\n<p>There are a few payment assistant programs available to Discover personal loan borrowers. These include:<\/p>\n<ul>\n<li><b>Payment deferral<\/b> for past due amounts<\/li>\n<li><b>Short-term assistance <\/b>that lets you make-interest only payments for six to 12 months<\/li>\n<li><b>Long-term assistance<\/b> that changes the length of your repayment and lowers your monthly payment amount<\/li>\n<\/ul>\n<p>Keep in mind that your account must have been active for at least eight months to potentially be eligible.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>To request payment assistance, call <a href=\"https:\/\/www.credible.com\/lenders\/discover-personal-loans\/\">Discover<\/a> at 877-256-2660.<\/p>\n<p><a name=\"happy-money-jump\"><\/a><\/p>\n<h3>Happy Money<\/h3>\n<p>If you can\u2019t make payments on a Happy Money loan, you might have access to various assistance options. You\u2019ll need to call Happy Money directly to see what might be available to you.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> Call 949-346-8740 to discuss options for your <a href=\"https:\/\/www.credible.com\/lenders\/happy-money\/\">Happy Money<\/a> loan.<\/p>\n<p><a name=\"lendingclub-jump\"><\/a><\/p>\n<h3>LendingClub<\/h3>\n<p>LendingClub personal loans come with a 15-day grace period in which to make payments with no penalty. If you need more help, you can contact LendingClub to see if any other options are available to you.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>Call 877-644-4446 to reach LendingClub\u2019s special care line for pandemic-related financial assistance. You can also call 844-227-5011 for general questions regarding your <a href=\"https:\/\/www.credible.com\/lenders\/lending-club\/\">LendingClub<\/a> loan.<\/p>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/personal-loan\/debt-consolidation-loans\"><b><i>Debt Consolidation Loans<\/i><\/b><\/a><\/p>\n<p><a name=\"lendingpoint-jump\"><\/a><\/p>\n<h3>LendingPoint<\/h3>\n<p>LendingPoint offers several types of assistance to borrowers impacted by the pandemic. For example, you might be able to defer your payments or get more repayment flexibility.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>Call 888-969-0959 to discuss options for your <a href=\"https:\/\/www.credible.com\/lenders\/lendingpoint\/\">LendingPoint<\/a> loan.<\/p>\n<p><a name=\"lightstream-jump\"><\/a><\/p>\n<h3>LightStream<\/h3>\n<p>LightStream is a division of Truist bank, which offers personal loan payment relief for those experiencing financial distress. However, your account will need to have been open for at least nine months and you\u2019ll need to have a strong payment history to potentially qualify.<\/p>\n<p>This payment relief program can suspend your payments for up to 90 days at a time \u2014 possibly up to 180 days for those impacted directly by coronavirus. Keep in mind that interest will continue to accrue during this time.<\/p>\n<p>Additionally, borrowers specifically affected by COVID-19 might also be able to apply for short-term loan payment accommodation even if they don\u2019t meet the payment history requirements or their account is less than nine months old.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>You can contact Truist at 800-828-7859 to discuss payment relief options for your <a href=\"https:\/\/www.credible.com\/lenders\/lightstream\/\">LightStream<\/a> loan.<\/p>\n<p><em><strong>Find Out: <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/interest-free-loans\/\">Are Interest-Free Loans Really Interest-Free?<\/a><\/strong><\/em><\/p>\n<p><a name=\"onemain-jump\"><\/a><\/p>\n<h3>OneMain Financial<\/h3>\n<p>Borrowers who are struggling with personal loan payments are encouraged to call their local OneMain Financial branch to discuss their options. You can find branch locations <a href=\"https:\/\/www.onemainfinancial.com\/branches\" rel=\"\u201cnofollow\u201d\">here<\/a>.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>You can also call 800-961-5577 to discuss your options with a <a href=\"https:\/\/www.credible.com\/lenders\/onemain-financial\/\">OneMain Financial<\/a> loan specialist.<\/p>\n<p><a name=\"penfed-jump\"><\/a><\/p>\n<h3>PenFed<\/h3>\n<p>PenFed is offering a self-service courtesy skip payment program for borrowers who are affected by the pandemic.<\/p>\n<p>To determine if you\u2019re eligible, log into your PenFed Online account and select the \u201cFinancial Assistance for Members Affected by COVID-19\u201d option.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> If you have any other questions or need further assistance, you can call <a href=\"https:\/\/www.credible.com\/lenders\/penfed-personal-loans\/\">PenFed<\/a> at 800-247-5626.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/tax-refund-advance\/\"><b><i>Everything You Should Know Before Taking Out a Tax Refund Advance<\/i><\/b><\/a><\/p>\n<p><a name=\"prosper-jump\"><\/a><\/p>\n<h3>Prosper<\/h3>\n<p>If you have a Prosper personal loan, keep in mind that late fees will only be assessed 15 days after the payment is due, which could give you some leeway when making payments.<\/p>\n<p>For those who still need additional help because of the pandemic, Prosper has asked that you contact them directly to discuss payment options.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> You can call <a href=\"https:\/\/www.credible.com\/lenders\/prosper\/\">Prosper<\/a> at 800-843-1662 or send them an <a href=\"mailto:covidhelp@prosper.com\">email<\/a>.<\/p>\n<p><a name=\"sofi-jump\"><\/a><\/p>\n<h3>SoFi<\/h3>\n<p>If you\u2019ve been impacted by COVID-19, you can defer payments on your SoFi loan. There might also be other options available \u2014 for example, you can put your loan in forbearance for an initial 30 days and potentially extend that period later on.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information: <\/b>You can apply for payment deferment on a <a href=\"https:\/\/www.credible.com\/lenders\/sofi\/\">SoFi<\/a> loan through its website or call 855-456-7634 to discuss your options. Additionally, you can <a href=\"https:\/\/www.sofi.com\/calendaring-ui\/#\/time\" rel=\"\u201cnofollow\u201d\">schedule a time<\/a> to chat with a SoFi financial planner at no cost.<\/p>\n<p><a name=\"universal-credit-jump\"><\/a><\/p>\n<h3>Universal Credit<\/h3>\n<p>Universal Credit hasn&#8217;t disclosed specific COVID-19 payment assistance options. If you&#8217;re struggling to make your payments due to the pandemic, be sure to reach out to the lender to see what help might be available to you.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> You can reach <a href=\"https:\/\/www.credible.com\/lenders\/universal-credit-services\/\">Universal Credit<\/a> by email at <a href=\"mailto:support@universal-credit.com\">support@universal-credit.com<\/a> or by phone at 877-418-9765.<\/p>\n<p><a name=\"upgrade-jump\"><\/a><\/p>\n<h3>Upgrade<\/h3>\n<p>If you\u2019ve been affected by COVID-19, you can sign into your Upgrade account to see if any alternative payment options are available to you.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> You can reach <a href=\"https:\/\/www.credible.com\/lenders\/upgrade\/\">Upgrade<\/a> by email at <a href=\"mailto:support@upgrade.com\">support@upgrade.com<\/a> or by phone at 844-319-3909.<\/p>\n<p><a name=\"upstart-jump\"><\/a><\/p>\n<h3>Upstart<\/h3>\n<p>There are two hardship relief options available to Upstart borrowers \u2014 deferring your payment for one month or reducing two months of payments by 50%. There might also be additional payment arrangements available.<\/p>\n<p class=\"featured-box featured-box--isGray\"><b>Contact information:<\/b> To discuss options for your <a href=\"https:\/\/www.credible.com\/lenders\/upstart\/\">Upstart<\/a> loan, you\u2019ll need to fill out an online <a href=\"https:\/\/www.upstart.com\/contact\" rel=\"\u201cnofollow\u201d\">contact form<\/a> or call 855-438-8778.<\/p>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/secured-personal-loans\/\"><b><i>Secured Personal Loans You Should Know About<\/i><\/b><\/a><br \/>\n<a name=\"other-lenders\"><\/a><\/p>\n<h2>Other lenders<\/h2>\n<p>If you have a personal loan from a lender not listed here and need assistance, it\u2019s a good idea to start by searching the lender\u2019s website for information.<\/p>\n<p>Many lenders have a specific coronavirus help page that will walk you through your options. You might also find answers on a page with frequently asked questions or additional resources.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>Even if your lender does not offer specific advice or solutions on its website, you might still be able to work out a payment plan or apply for hardship assistance.<\/p>\n<p>Be sure to contact your lender directly to see what options are available to you.<\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/get-a-5000-dollar-loan\/\"><b><i>How to Get a $5,000 Personal Loan Fast<\/i><\/b><\/a><br \/>\n<a name=\"options-help-loans-pandemic\"><\/a><\/p>\n<h2>Other options for help with loans during the pandemic<\/h2>\n<p>In addition to your lender, there are a few other options that might offer assistance. These include:<\/p>\n<ul>\n<li><b>Credit counseling:<\/b> There are nonprofit organizations that offer credit counseling \u2014 such as the <a href=\"https:\/\/www.nfcc.org\/\" rel=\"\u201cnofollow\u201d\">National Foundation for Credit Counseling<\/a> \u2014 that could help you simplify your debt repayment process and potentially negotiate better terms with your creditors.<\/li>\n<li><b>Government grants:<\/b> If you\u2019re facing economic distress, you might qualify for various grants, loans, or other benefits from the federal government.<\/li>\n<li><b>Unemployment benefits:<\/b> If you\u2019ve lost your job, you might be eligible for unemployment benefits, insurance, and other programs.<\/li>\n<\/ul>\n<p>If you have to borrow money to cover your expenses, options such as <a href=\"https:\/\/www.credible.com\/personal-loan\/where-should-i-get-payday-loans-online\">payday loans<\/a> or <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/pawn-shop-loans\/\">pawn shop loans<\/a> might be appealing, especially if you need the money quickly. However, these types of loans often come with astronomically high rates and fees that could land you in even worse financial trouble.<\/p>\n<p>Instead, it\u2019s usually a better idea to apply for a personal loan from a reputable lender. There are even lenders that offer <a href=\"https:\/\/www.credible.com\/personal-loan\/bad-credit-loans\">personal loans for bad credit<\/a>. While these might come with higher interest rates compared to good credit loans, you won\u2019t be stuck paying triple-digit interest rates like you might with a payday loan (also known as a <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/cash-advance-online\/\">cash advance loan<\/a>).<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>The <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/time-to-fund\/\">time to fund<\/a> for personal loans is usually one week or less. However, some lenders offer next-day or even <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/same-day-loans\/\">same-day loans<\/a> that could get you your money even faster.<\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"\/personal-loan\/fast-personal-loans\"><b><i>How to Get a Fast Personal Loan for Quick Cash<\/i><\/b><\/a><br \/>\n<a name=\"scams-during-pandemic\"><\/a><\/p>\n<h2>Watch out for scams during the pandemic<\/h2>\n<p>Keep in mind that scams often crop up during a national disaster \u2014 including the COVID-19 pandemic. For example, <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/what-is-predatory-lending\/\">predatory lenders<\/a> took the opportunity to raise interest rates to astronomical heights on payday loans and other short-term loans in 2020 and 2021.<\/p>\n<p>Here are a few ways to protect yourself from <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/personal-loan-scams\/\">personal loan scams<\/a> and other pitfalls:<\/p>\n<ul>\n<li><b>Never give out personal information via phone or email. <\/b>No one from the IRS, Social Security Administration, or federal government will contact you by phone or email asking for personal information.<\/li>\n<li><b>Don\u2019t fall for high-pressure tactics. <\/b>Scammers will often try to push you to make fast decisions without thinking them through. If a company is pressuring you to make a decision, walk away.<\/li>\n<li><b>Never pay for free programs. <\/b>Scammers try to take advantage of people who don\u2019t fully understand programs that are available to them for free. Be sure to do your own research \u2014 in many cases, you can apply for various forms of assistance on your own at no extra cost.<\/li>\n<\/ul>\n<p><b><i>Keep Reading: <a href=\"https:\/\/www.credible.com\/blog\/data-insights\/coronavirus-impact-sends-student-loan-rates-tumbling\/\">Coronavirus Impact Sends Student Loan Rates Tumbling<\/a><\/i><\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The COVID-19 pandemic has had a negative impact on the employment and income of many people. If you need to borrow money to cover expenses during this time, you might wonder if you can still&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/personal-loan\/coronavirus-debt-help\/\">Continue reading<\/a><\/p>\n","protected":false},"author":114,"featured_media":49889,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[396],"tags":[1515],"class_list":{"0":"post-49888","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-personal-loan","8":"tag-personal-loan-basics","9":"covid-19-how-personal-loan-lenders-are-helping-borrowers","11":"post_tag-personal-loan-basics"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>COVID-19: How Personal Loan Lenders Are Helping Borrowers - Credible<\/title>\n<meta name=\"description\" content=\"Many personal loan lenders are offering hardship assistance options to borrowers impacted by the COVID-19 pandemic. 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