Personal loans online

Receive a personal loan - even with bad credit

> We buy gift and merchandise cards from 500+ stores

> Convert low balance gift cards into cash – instantly

> No third-party fees

Personal loans online

> With the help of Your Exchange, getting a personal loan can now be quicker and easier than ever before. Offering online personal loans, you can apply from anywhere with an internet connection at any time you choose. With quick approval times and affordable payment plans available, it’s never been more accessible for you to get the funding that you need.

> In addition, with the ability to tailor rates and loan amounts to fit your individual requirements, our team is here to provide exceptional service when it comes to getting access to funds quickly. So let us help take care of your financial needs today.

All credit types accepted

> At Your Exchange, we understand that life happens and things don’t always follow the financial plan. That’s why we offer personal loans for all credit types – even if you have bad credit, we still want to help you out by providing you with a loan to cover unexpected expenses or get ahead on your long-term goals.

> Our personal loan process is simple and straightforward, and you can even apply online from the comfort of your own home. In addition, we are committed to providing affordable loans with no fees, no hidden charges, and excellent customer service – so come to Your Exchange for your personal loan today.

Your Exchange Money Center offers personal loans that are quick, easy and funds are deposited directly into your account

> If you’re looking for a loan that can quickly provide the money you need with minimal fuss, then Your Exchange is the place to go. Our personal loans make it easy to access the cash you need without having to spend endless hours in paperwork or waiting for loan approval. You simply apply online and wait for one of our advisors to contact you.

> Once you are approved, your loan funds will be securely deposited into your bank account within 24 hours so you can use them however you want. It really is that simple! Why wait? Get started on getting the personal loan you need today at Your Exchange.

Popular Services

Your Exchange is the one-stop shop for financial services that make life easier. From buying gold and silver to recharging your phone, there’s something here for everyone. Need a quick money transfer? We have Western Union wire transfers ready when you are. Plus, our bill pay service ensures all those pesky expenses get taken care of – leaving you free to focus on what matters most in life. Stop by today and discover how Your Exchange can give you peace of mind.


Check Cashing


Business Check Cashing


Buy & Sell Gift Cards


Green Dot® Visa® Debit Card


Card Cashing


Cash For Gold & Silver


Coin & Bill Exchange


Postage / Fax / Copy / Scan


New! Tax Refund Advances

Our Money Center Locations

You may have heard about Your Exchange Money Center, but may not know that we have multiple convenient locations in and around the greater Minneapolis-St. Paul area. We are here for all your check-cashing needs! We strive to provide friendly and efficient service no matter where you come in. So stop in today to see why Your Exchange Money Center is your one-stop shop for all your financial services needs.

Personal Loan Services - Frequently Asked Questions

You must be at least 18 years old and a U.S. citizen. In addition, you must be employed or receive a steady income, and it helps to have a bank account with direct deposit.

A personal loan is a way for an individual to receive up to $35,000 in funding. It is a loan that can be used for home enhancements, luxury item purchases, vehicle repairs, or bill payments. The length of the loan is called the term and can range all the way up to 60 months, depending on the lender. Our simple Online Form does not contain any long questions. Instead, it asks for your basic information and a location where you would like the loan to be sent. It is that easy!

Your Exchange Loans services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. You are responsible for reading through the terms before signing your loan agreement.

$35,000 for qualified borrowers. However, not all lenders are able to lend you $35,000.

We take privacy seriously, and so we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also take a look at our privacy policy for more details on this.

Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. Please contact the lender directly if you have an issue paying an installment.