guru finance group
Secure your financial future
There's no better time to take control of your financial future. Let Guru Finance Group help you get back on track.
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PERSONAL LENDING
You're more than just your score.
At Guru, you’re more than just your credit score. We work hard to provide personal loans for every budget, to help you build the financial future you thought was never possible.
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Why choose
Guru Finance Group?
Deep Industry Knowledge
Our founders have been in the finance industry for decades. They've spent years cultivating relationships with lenders, and discovering new and creative ways to help clients get the funds they need.
Fixed-Rate Loans
A fixed-rate loan can save you thousands. Lower payments save you money, time, and stress.
Customer Service
We pride ourselves on providing excellent customer service to our clients. You'll be connected with a professional who cares about your situation. We take time to make sure our clients are informed and accommodated.

Getting started is easy
Apply Online
Apply online through our secure form. We use end-to-end encryption to keep your data safe and protect your privacy.
Review Your Options
A specialists reviews your options to personalize your loan to fit your specific financial situation.
Receive Your Money
Quick and hassle free funds are deposited in as little as 24-72 hours directly into your bank account.
benefits
We put you first
These are just a few reasons why Guru Finance Group is different than the rest.
No Fees
Guru Finance Group is a completely fee free service to ensure you get the best rate possible.
Great customer service
We have an awesome USA-based staff, highly trained to help get you the rate you deserve.
Goal planning
Whether you're paying off debt or making a new purchase, we make is easy to obtain financial freedom.
100% transparent
No hidden fees or requirements. Simply apply online and get the best possible rate available.
Credit Card vs. Personal Loan
Interest Rate
Interest Paid

What our customers say
"job well done GURU. Thank you..."

“Whole experience was a lot easier than I thought. Great staff, easy, clear process.”

"Fast and clear. James was awesome and followed through on everything for me."

“Never thought it was possible I could get cash so quickly. Got rid of high-interest credit card debt in a matter of days!"

“Awesome service, funded super fast.”

“Finally got that new mower for my landscaping business! Funded fast too. I def recommend the Guru!”
“I was approved for a rate so low I took the deal and paid off my car loan. Going to save me about $3,500 on the life of the loan!”
"The process was so simple. Chris was my rep and was super transparent all the way from start to finish.! Thanks Chris!

"Guru is truly the "Guru of finance" if they can get me approved!"

"Kelly was a good to me. One missed meeting, but ultimately she followed through on everything she said."

"so glas I went through with it. The easiest way to get cash possible!"
“NOT missing my high-interest credit card payments anymore. Thanks Guru!"

"I was skeptical but glad I did it. Staff handed me off a bit but eventually got me cash so fast I can't deny how easy it was."

"Never thought I could get approved. Everywhere else denied me. Thanks YOU Guru!"

“Finally was able to finish my remodel!"

"Got my sons tuition paid for and I'm golden. Staff was super helpful and followed through with everything they promised to get done."

"Their staff is awesome. They helped me get the cash I needed to finally pay of some ridiculously high-rate credit card debt."

Frequently Asked Questions
A personal loan is an option for an individual to obtain funding up to $100,000. This type of loan can be used for a variety of purposes, such as home improvements, buying luxury items, fixing a vehicle, or making large purchases. The term of the loan, which is the duration of time you have to repay it, can vary from lender to lender and can go up to 180 days. Applying for a personal loan is easy and convenient with our simple online application form. You only need to provide basic information about yourself and specify where you would like the loan to be sent. It's that straightforward!
What are the basic loan requirements?
Must be at least 18 years old.
Must be a U.S. citizen of permanent resident.
Currently employed or receive steady income.
Have a bank account to receive the funds ideally with direct deposit.
Are there any fees?
Guru Finance Group offers its services at no cost to you, however, this does not mean that the lender will provide you with a loan without any charges. The lender may impose fees and/or interest on the loan and must disclose all the terms of the loan to you upon approval. It is your responsibility to thoroughly review and understand the terms before finalizing the loan agreement by signing it.
What are the repayment terms and APR?
The Annual Percentage Rate (APR) is a representation of the cost of credit expressed as a yearly rate. It compares the amount and timing of the funds received by the borrower to the amount and timing of the payments made. Guru Finance Group cannot guarantee any specific APR as we are not a lender. Qualified borrowers may have an APR starting from 5.99% and reaching up to a maximum of 37.36%. For qualified users, personal loans have a minimum repayment period of 61 days and a maximum repayment period of 72 months. Before accepting a loan from a lender in our network, it is important to carefully review the loan agreement as the APR and repayment terms may differ from what is stated on our website.
When do I repay the loan?
It is important to thoroughly review the loan agreement provided by your lender to understand the specific terms and conditions of your loan. The loan agreement is a legally binding document that outlines the details of the loan, including the amount, interest rate, repayment period, fees, and any other relevant information. Every loan is unique, so it is essential to review the loan agreement carefully to ensure that you understand the terms and conditions of your loan. Before accepting the loan, make sure to ask any questions you may have about the terms and conditions. By taking the time to fully understand the terms of your loan, you can make an informed decision and ensure that you are comfortable with the terms of the loan before accepting it.
Is my personal info protected?
At Guru Finance Group, we take privacy very seriously and understand the importance of protecting your personal information. That is why we use industry-standard encryption technology on our website to secure your data and prevent unauthorized access by third parties. Our encryption technology ensures that your personal information is protected while it is transmitted over the internet. In addition to using encryption technology, we have also developed a comprehensive privacy policy that outlines how we collect, use, and protect your personal information. This policy provides you with a clear understanding of our privacy practices and how we ensure the security of your data. If you have any questions about our privacy practices, please take the time to review our privacy policy in detail. By taking these steps to secure your personal information, we aim to provide you with peace of mind and a secure online experience.
Are personal loans bad?
Whether a personal loan is good or bad depends on the individual. Each person's financial situation and how they manage the loan matters. Personal loans can be either secured or unsecured. Secured loans need collateral, such as a house or car, which the lender will take if you default on the loan. Unsecured loans don't need collateral but often have higher interest rates. The interest rates on personal loans can be either fixed or variable. Fixed rates stay the same throughout the loan term, while variable rates can change. Personal loans will hurt your credit if you fail to make timely payments. Or if you default on the loan. Yet, if you make your payments on time and in full, a personal loan can actually help improve your credit score. By demonstrating responsible credit use, credit agencies see this as a good thing. Personal loans are not considered taxable income. You're paying back the borrowed amount. But, if the loan is forgiven or canceled, the canceled debt might be taxable income. Always consult with a tax professional to understand the implications.
Which personal loan is easiest to get?
The ease of getting a personal loan depends on several factors. Your credit score, income, and the lender's criteria all matter. But, some loans are generally easier to get than others. Secured loans are often easier to get because they are less risky for the lender. Secured loans use your assets as collateral. For lenders, some online lenders have more flexible requirements compared to traditional banks. It's important to shop around. Compare offers from different lenders to find the best personal loan for your needs. Experian, TransUnion, and Equifax are credit bureaus that provide your credit score. Your credit score is a key factor lenders consider when determining your eligibility. The higher your credit score, the easier it will be to get approved for a loan with favorable terms. Remember, the "best" loan isn't always the easiest to get. Guru Finance Group has some of the best rates and terms to fit your financial situation and meet your needs.
Where to get a personal easily?
There are several places where you can get a personal loan. Traditional banks are a common source of personal loans. Many banks offer competitive interest rates and terms, especially for their existing customers. Credit unions are another option. They often have lower interest rates compared to banks, but you typically need to be a member to apply. Online lenders are popular due to their convenience and quick approval times. Some online lenders specialize in certain types of loans or borrowers. So, they might be a good option if you have unique circumstances. Peer-to-peer (P2P) lending platforms are another option. They offer loans directly from an individual. Or a group of individuals rather than from a bank. It's important to find a loan that's easy to get. But it's also important to find a loan with terms that you can manage and a lender that has a good reputation. Always compare offers from a few lenders before making a decision.
Which personal loan is best?
The "best" personal loan depends on your individual circumstances, needs, and financial situation. Both secured and unsecured loans have their pros and cons. Secured loans offer lower interest rates because they need collateral. But they also carry the risk of losing the asset if you default on the personal loan. Unsecured loans do not need collateral, but they usually have higher interest rates. If you're looking for easy approval, online lenders usually have simple application processes. And faster decision times compared to traditional banks. Check your credit score through credit bureaus like Equifax, TransUnion, or Experian. This will impact the terms you can get. A higher credit score generally leads to better loan terms. Fixed or variable rates will depend on your financial stability and risk tolerance. Fixed rates provide certainty as they remain the same throughout the loan term. Variable rates can go up or down, which could either save you money or cost you more in the long run. It's important to shop around and compare different offers. Consider your financial situation before deciding on the best personal loan for you.
What are personal loan interest rates?
Personal loan interest rates are the cost you pay to borrow money from a lender. It's a percentage of the loan amount. The rate can vary based on several factors, including your credit score, the lender, and the type of loan. The interest rate is an annual percentage rate (APR), which includes the interest rate and any fees. Traditional banks, credit unions, and online lenders all offer personal loans. And each may offer different interest rates. Typically, online lenders can offer competitive rates because of their lower operating costs. Your credit score, which you can obtain from credit bureaus like TransUnion, Experian, and Equifax, plays a significant role in the interest rate you're offered. The higher your credit score, the lower the interest rate you're likely to receive. Some lenders also offer loans with rates that are tied to the Prime Rate, which is the interest rate that banks charge their most creditworthy customers.
Will a personal loan affect my credit score?
Yes, a personal loan can affect your credit score in several ways. Qualifying for a rate and loan amount does not affect your credit score. Lenders perform a "soft pull" which does not affect your credit score. When you accept the offer and apply, the lender will perform a hard credit check. This can temporarily lower your credit score by a few points. But once you're approved and begin making payments, a personal loan can help build your credit. This is because a key factor in your credit score is your payment history. Paying on-time demonstrates that you're a responsible borrower to credit bureaus like TransUnion, Experian, and Equifax. Additionally, a personal loan can improve your credit mix, which is another factor in your credit score. Credit mix refers to the different types of credit you have. Having a variety of credit types, like credit cards, a mortgage, and a personal loan, can positively impact your score. It's important to note that taking on a personal loan that you can't afford to repay can harm your credit score. Late or missed payments can significantly lower your score, and defaulting on the loan can have severe consequences. It's crucial to only take out a personal loan if you're confident you can make the payments.
When is a good time to get a personal loan?
A good time to get a personal loan depends on your individual financial situation and goals. One common reason to get a personal loan is to consolidate credit card debt. You will save money by using a low-rate personal loan to pay off your credit cards. This can simplify your payments and potentially lower your overall interest costs. Another good time to get a personal loan is when you need money quickly for an unexpected expense. Online lenders can approve personal loans quickly and deposit the money into your account within a few days. Lastly, it might be a good time to get a personal loan when interest rates are low. Lower interest rates mean you'll pay less over the life of the loan. These situations might be good times to consider a personal loan. You should always carefully consider your ability to repay the loan before borrowing.
Can a personal loan be paid off early?
Yes, a personal loan can typically be paid off early. But it's important to understand how this works and any potential implications. Paying off a personal loan early can help you save on interest costs. And can potentially help build your credit by demonstrating responsible borrowing behavior. However, some lenders may charge a prepayment penalty. It's important to understand the terms of your loan agreement. If you're using the personal loan for school or other large expenses, paying it off early could free up your monthly budget for other things. If your financial situation improves or interest rates drop, you might also consider refinancing the personal loan. A lower interest rate could make early payoff more achievable. As for how early payoff affects your credit score, it can have both positive and negative effects. On the positive side, reducing your debt can improve your credit score. But, if the personal loan is your only installment loan, paying it off could potentially decrease your credit mix. Your lack of credit mix might slightly lower your score.
How much can I borrow with a personal loan?
The amount of personal loan you can get depends on several factors. They include your credit score, income, debt-to-income ratio, and the lender's policies. Your credit score from credit bureaus like TransUnion, Experian, and Equifax, plays a significant role in the loan amount you're offered. A higher credit score generally leads to larger loan amounts. Additionally, whether the personal loan is secured or unsecured can affect the amount you can borrow. Secured loans are backed by your assets. Secured loans often allow for larger loan amounts compared to unsecured loans. Guru Finance Group, offers large personal loans up to $100,000. It's important to remember that because you can borrow a certain amount, doesn't mean you should. Always consider your ability to repay the loan and how the monthly payments will fit into your budget. Taking on more debt than you can handle can negatively affect your credit score and financial health.
Why wait to get the funds you need today?
It's time for a personal loan. Get your rate from Guru Finance Group by getting prequalified now!
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