This is the best place to acquire a small loan especially if you have a good credit rating. It requires you to have a proof of income which will act as a security to the loan. The loan provided will usually have flexible terms regarding the repayment time as well as the interest rate charged. Banks have also evolved to attract more borrowers by shortening the process and time taken to process a loan. Furthermore, most banks have now eliminated the complex paperwork and even allow members to borrow online. Capital One It offers personal loans although they are offered by invitation only. However, they are not very flexible since you cannot apply more than once in a span of 90 days or if you have defaulted their loan in the past one year. After applying, you receive an offer through the mail with limited payment terms. You have to pay a fixed amount every month with no prepayment penalty. They usually process the loan within 10 days. CitiFinancial This company helps borrowers who have established good credit rating with other financial institutions. They will base their interest rates on your credit history as well as your ability to repay the loan depending on your cash inflow. If you have tangible assets such as a house, you will receive the loan at a lower interest rate. Lendingtree.co.uk This is an online platform that matches borrowers with lenders. It has a variety of lenders who depend on the credit rating provided by the site to determine whether to lend money to you or not. The site seems to have an unlimited people willing to lend. After application, the site matches you to lenders who contact you personally either via mail or via phone. Credit Unions They will offer you flexible loans depending on your credit rating as well as your ability to pay. So as to ascertain whether you can comfortably repay your loan, you have to provide them with a proof of income or any other security.