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Best Personal Loans in Omaha, NE

Aug. 15, 2019, 8:17 p.m.

Personal loans are used to pay medical bills, update a home, consolidate debt, make a big purchase, get married or take a vacation. A reputable lender will disclose terms and fees clearly, offer competitive interest rates and provide quality customer service. Our partners at ConsumerAffairs researched the best personal loans in Omaha so you know where to apply.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 3 News Now may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Best Egg

Apply With Us Today!

VISIT WEBSITE
CALL BEST EGG
(877) 850-2322
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#1 MOST POPULAR
Best Egg
Best Egg
Features
  • Loans from $2,000 to $35,000
  • Check rates online
  • Available in Omaha
  • Money deposited in as little as 24 hours
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VISIT WEBSITE
CALL BEST EGG
(877) 850-2322
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#2
FreedomPlus
FreedomPlus
Features
  • Available in Omaha
  • Terms from 2-5 years
  • Same-day loan decisions
  • Loans from $7,500 to $40,000
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VISIT WEBSITE
CALL FREEDOMPLUS
(800) 368-0061
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#3
First National Bank of Omaha
First National Bank of Omaha
Features
  • Fixed & variable rate loans
  • Multiple payment options
  • Interest rate reduction for checking customers
  • In business for over 160 years
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Location
1123 Howard St.
Omaha, NE 68102
(402) 602-2570
#4
Centris Federal Credit Union
Centris Federal Credit Union
Features
  • Competitive rates
  • In Omaha for over 80 years
  • Secured & unsecured loans
  • Apply easily online
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Location
11825 Q St.
Omaha, NE 68137
(402) 758-6500
Mutual of Omaha Bank
Mutual of Omaha Bank
Features
  • M-F: 7am - 6pm
  • Sat: 9am - 12pm
  • Closed Sun
  • mutualofomahabank.com
Location
3333 Farnam St.
Omaha, NE 68131
(402) 351-5118
Metro Credit Union
Metro Credit Union
Features
  • M-F: 8:30am - 5pm
  • Sat: 9am - 1pm
  • Closed Sun
  • metrofcu.org
Location
14509 F St.
Omaha, NE 68137
(800) 301-8549
Mutual First Federal Credit Union
Mutual First Federal Credit Union
Features
  • M-F: 9am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • mutualfirst.com
Location
8073 Blondo St.
Omaha, NE 68134
(402) 697-8200
OneMain Financial
OneMain Financial
Features
  • M, W-F: 8:30am - 5:30pm
  • T: 8:30am - 7pm
  • Closed Sat and Sun
  • onemainfinancial.com
Location
7613 Cass St.
Omaha, NE 68114
(402) 391-1224

How to choose a personal loan company in Omaha

Omaha skyline

Borrowers take out personal loans from online lenders, banks or credit unions and use the funds for a variety of purposes. Often, you get access to more money and at lower interest rates through a personal loan than with a credit card. Money borrowed from a personal loan is paid back over time and can be used for most purposes.

Companies offer different types of personal loans in Omaha. While searching, you might come across these terms:

  • Secured loans require collateral, such as a car or home.
  • Unsecured loans require no collateral to borrow money.
  • Fixed-rate loans have an unchanging interest rate throughout the loan period.
  • Variable-rate loans have changing interest rates throughout the loan period.
  • Debt consolidation loans combine debts to different creditors into one monthly payment.
  • Co-sign loans have an additional signer to guarantee the loan.
  • Personal lines of credit provide funds on an as-needed basis.

One of the key factors in qualifying for a personal loan in Omaha is your credit history. In general, the better your credit, the more favorable the terms. Even if you have bad credit, a personal loan may still be an option. Credit unions have more flexible lending requirements, while some online lending platforms provide loans to borrowers with below-average credit.

The application process is generally similar for all personal loans. With an online lender, the entire process is done over the web. Banks and credit unions also have online applications but will usually require in-person visits to finalize details. Be prepared to show proof of income and proof of address.

Most personal loans are paid back monthly over one to five years. A shorter loan term saves money on interest, but a longer term will keep payments lower.

When comparing loans, look at the costs and fees. Take note of the origination fee and late payment charge amounts. Try to find a lender that has no prepayment fee if you pay off the loan early.

It’s important to read loan documents carefully before signing. Federal law requires lenders to include a list of all costs so the borrower sees the total cost of the loan. After agreeing, expect funds to be deposited within 48 hours or sooner.

Best Egg

Best Egg

CALL BEST EGG

(877) 850-2322 VISIT WEBSITE

Best Egg is an online lender offering personal loans from $2,000 to $35,000. Borrowers get fixed terms and access to funds in as little as one business day. Check rates in just minutes with no effect on your credit score. Customer reviews say the web-based application process is easy, and they like the flexibility to use the funds for different types of expenses.

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FreedomPlus

FreedomPlus

CALL FREEDOMPLUS

(800) 368-0061 VISIT FREEDOMPLUS

FreedomPlus, an online lender, offers personal loans from $7,500 to $40,000. Loans come with a fixed monthly payment and clear terms, including no prepayment penalty. Apply over the web and get a same-day decision. Funds are available within 3 business days. Customers like how FreedomPlus looks beyond borrowers’ credit scores to qualify them for loans.

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First National Bank of Omaha

First National Bank of Omaha

Founded in 1857, First National Bank has served the Omaha community for more than 160 years. More than 15 area locations are available for customers to visit to apply for a personal loan. Current rates are posted on the website, where Omahans can use interactive calculators to compare loan types, rates and payments. Reviewers have positive comments about the customer service at First National Bank.

Centris Federal Credit Union

Centris Federal Credit Union

Centris Federal Credit Union has provided financial solutions for Omaha residents for over 80 years. Both unsecured and secured personal loans are available to members. Apply online or stop at one of the area locations and an experienced service representative will help. Customers say the rates are competitive on personal loans at Centris.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.