Apply for a Personal Loan in Minutes
Get the funds you need with a simple online application. Personal loans from $500 to $5,000 with competitive rates.
Personalized Loan Estimate
See your potential loan details in seconds
Est. Monthly Payment:
$119
Est. Total Cost:
$2,856
*Estimated payment based on 9.99% APR. Actual rate depends on credit profile and lender approval.
Checking rates won't affect your credit score
3 Min
Average Application Time
24 Hrs
Fast Funding
5.99%
Rates from (APR)
$5,000
Maximum Loan Amount
Personal Loan Options
Personal loans can be used for almost any legitimate purpose. Explore the different options available.
Debt Consolidation
Combine multiple high-interest debts into a single, lower-interest loan to simplify payments and potentially save money.
Emergency Expenses
Cover unexpected costs like medical bills, car repairs, or emergency home repairs when you don't have savings available.
Home Improvements
Fund small to medium-sized home repair projects, upgrades, or renovations without using home equity.
Major Purchases
Finance significant purchases like appliances, furniture, electronics, or special events without depleting savings.
Moving Expenses
Cover the costs of relocating, including security deposits, moving services, new furniture, and other related expenses.
Education Expenses
Pay for professional certifications, courses, school supplies, or other educational costs not covered by student loans.
Fast application, competitive rates, and quick funding
How to Apply for a Personal Loan
Our simple application process can be completed in minutes, with decisions often available instantly.
Check Your Rate
Fill out a simple form to check your personalized rates without affecting your credit.
Review Offers
Compare loan offers with different terms, rates, and monthly payments.
Complete Application
Finish your application by providing any additional documentation needed.
Accept Terms
Review and accept the final loan terms and conditions electronically.
Get Funded
Receive funds directly in your bank account, often as soon as the next business day.
Get started in just 3 minutes
Our streamlined application process is designed to be quick and hassle-free. Many applicants receive instant decisions and can have funds in their account as soon as the next business day.
What You'll Need to Apply
Having these documents ready will help ensure a smooth application process.
Personal Identification
- • Government-issued photo ID (driver's license, passport)
- • Social Security Number
- • Date of birth
Contact Information
- • Current physical address
- • Email address
- • Phone number
- • Previous addresses (if at current address < 2 years)
Income Verification
- • Recent pay stubs or direct deposit records
- • W-2 forms or tax returns
- • Employer contact information
- • Income amount and frequency
Banking Information
- • Checking or savings account number
- • Bank routing number
- • Bank name and address
- • Recent bank statements (sometimes required)
Note About Documentation
The exact documentation required may vary based on the lender and your specific situation. Some lenders may request additional information during the verification process. Having these documents readily available will help expedite your application.
Personal Loan Eligibility
While requirements vary by lender, these are the typical eligibility criteria for personal loans.
Basic Requirements
-
Age Requirement:
Must be at least 18 years old (21 in some states)
-
Residency:
U.S. citizen or permanent resident with valid ID
-
Contact Information:
Valid phone number, email address, and verifiable home address
-
Bank Account:
Active checking or savings account for direct deposit of funds
Financial Requirements
-
Credit Score:
Most lenders prefer 600+ for competitive rates, though options exist for lower scores
-
Income Verification:
Stable source of income sufficient to cover loan payments
-
Debt-to-Income Ratio:
Generally below 43%, but varies by lender
-
Credit History:
History of on-time payments and responsible credit usage
Don't Meet All Requirements?
Even if you don't meet all the typical requirements, you may still qualify for a personal loan. Some options to consider:
- Apply with a co-signer who has strong credit
- Look for lenders who specialize in your specific situation
- Consider smaller loan amounts to increase approval chances
Takes just minutes with no impact to your credit score
Frequently Asked Questions
Get answers to common questions about personal loans and the application process.
How quickly can I get approved for a personal loan?
Many lenders can provide approval decisions within minutes of submitting your application. Once approved, funds can be deposited into your bank account as quickly as the next business day, sometimes even same-day depending on the lender and your bank.
What documents do I need to apply for a personal loan?
Typically, you'll need to provide: Government-issued photo ID (driver's license, passport, etc.), proof of income (pay stubs, tax returns, bank statements), proof of address (utility bills, lease agreement), and sometimes proof of employment (employer contact information).
What credit score do I need for a personal loan?
While requirements vary by lender, most prefer a credit score of 640 or higher for the best rates. However, many lenders work with borrowers who have credit scores between 580-640, and some specialized lenders consider applications from those with scores below 580, though usually with higher interest rates.
Do personal loans have any fees?
Some personal loans may include fees such as origination fees (typically 1-8% of the loan amount), late payment fees, and prepayment penalties. However, many lenders offer loans with no origination fees or prepayment penalties. Always review the loan terms carefully to understand all applicable fees.
Can I pay off my personal loan early?
Most lenders allow early repayment without penalties, which can save you money on interest over the life of the loan. However, some may charge prepayment penalties, so it's important to check the loan agreement. Making extra payments or paying off the loan early can significantly reduce the total interest paid.
Will checking my personal loan rate affect my credit score?
Many lenders offer "pre-qualification" or "rate checks" that use a soft credit inquiry, which doesn't impact your credit score. This allows you to check potential rates and terms before submitting a full application. A hard credit inquiry is typically only performed when you formally apply for the loan.
Ready to Apply for a Personal Loan?
Get the funds you need with a simple online application