Personal loans are different from things like credit card debt in a couple important ways. The first is that the interest rate doesn't change. It's locked in, and you're not going to get a surprise down the line. Second, the payment terms are set in stone. This makes it easier to budget month to month, and that means you're way more likely to stay on track.
Pretty much anything you need to pay off. If something came up out of the blue, need to renovate your house, or get out from under crushing credit card debt then this is the way to do it.
We focus on getting your money into your bank account fast. You shouldn't have to wait around for weeks as the banks decide to put you off yet again.