Frequently Asked Questions
Will checking my rate affect my credit score?
No. Our online rate check tool estimates your APR (Annual Percentage Rate) based on details you provide, including your financial information and how much you want to borrow. However, if you apply for our Personal Loan, we will complete a credit inquiry that will affect your credit score.
How do I qualify for a Ridgewood Personal Loan?
You must be a resident of New York, New Jersey or Connecticut, be at least 18 years old and meet Ridgewood's credit requirements. Unlike for a Secured Personal Loan, no collateral is required.
How much can I borrow?
We offer Personal Loans from $5,000 to $30,000 for qualifying borrowers.