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How to Apply for a Personal Loan in just 6 Steps
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able make financial decisions without hesitation. And while our site doesn't feature every company or financial product available in the marketplace however, we're confident that the advice we provide, the information we provide and the tools we create are impartial, independent, straightforward -- and completely free. How do we earn money? Our partners pay us. This can influence the products we review and write about (and the places they are featured on the website) However, it in no way affects our suggestions or recommendations which are based on many hours of study. Our partners cannot pay us to guarantee favorable reviews of their products or services. .
How to Apply for a Personal Loan in just 6 Steps
A personal loan begins with a thorough examination of your credit score, getting pre-qualified and comparing loan options.
,
Updated on January 18, 2023
The majority or all of the items featured on this page come from our partners who pay us. This influences which products we review as well as the place and way the product appears on the page. But this doesn't affect our opinions. Our opinions are our own. Here's a list of and .
Steps Display More
Steps
Finding a personal loan isn't necessarily complicated. Understanding where to start, what you need in order to apply and the best way to compare offers can help you select the right one .
Here are six steps that will help you through the process of searching for and getting an individual loan.
1. Check your credit score
Start by checking your credit score to evaluate your financial standing. A credit score that is high can allow you the opportunity to take out personal loan and lower interest rates.
Credit scores typically fall into these categories.
A score of 720 or higher is considered excellent credit.
690-719: Credit score of good.
630-689: Fair or average credit.
300-629: Credit problems.
Do you have a low-quality score? Fix any errors on your credit report which could affect your score. You can ask for a challenge missed payments incorrectly reported or any other errors it might contain.
Be sure to make on-time payments toward debts like credit cards and loan payment, and ensure that the credit utilization (the extent of the credit you utilize in relation to credit limits) to a minimum, as these are the biggest elements that affect your score.
>What's your credit score?
2. Calculate your loan payments
Next, determine how much amount of money you'll need to get from Then, determine the amount you'll need from a loan. It is important to ensure that amount includes any charges the lender could charge. The fees, which vary from 1% to 10% of the loan and are usually taken from the loan funds.
Examining your loan amount and credit score can give you an idea of the monthly and annual payments you might receive on a personal loan.
The loan term is also a factor in how much a loan costs. A longer loan time frame means smaller monthly payments, but you'll be paying more interest.
Utilize the calculator below to calculate estimated payments based on your score on credit, loan amount and loan duration. The best personal loans offer monthly installments that can be easily incorporated into your budget.
Return to the top
3. Be prequalified for a loan
Pre-qualifying for a personal loan will give you a taste of what you might get from lenders. Many online lenders and some banks offer a pre-qualification process that doesn't affect your score on credit.
When applying for a loan, you are required to generally provide details about yourself, like your name, date of birth or income, as well as the loan reason.
By pre-qualifying for multiple lenders, you compare estimated rates and payment amounts.
Find out if you're pre-qualified for a personal loan that doesn't impact the credit rating.
Just answer a few questions to get a personalized rate from our lending partners.
The purpose of the loan Select your choice Debt Consolidation Medical Home Improvement Credit Card Consolidation Auto Motorcycle Major Purchase Begin a Business Education IRS Tax Other Debt
The amount of the loan
Credit score Choose your choice Excellent Good Fair Poor
Employment status Select your option Full-time Part time Self-employed Unemployed Military Retired Other
See If You Pre-Qualify
To strengthen your application, consider a co-signed or . adding someone with a prime credit score or an asset as collateral can help you qualify or obtain a lower cost. Note that both options have consequences for the co-applicant and collateral if you fail to pay back.
>> MORE:
From top to bottom
4. Shop around and compare lenders.
You can find personal loans at banks, online lenders, or credit unions. It is a good idea to look around and compare loan amounts as well as monthly payments and interest rates offered by different lenders.
You can pre-qualify for a loan, apply and receive funds online. They are lenders who appreciate , and offer fast loans and loans to people with credit scores of all the entire spectrum.
such as , and offer unsecured personal loans like, and current account holders may enjoy flexible loan terms and rate discounts. If you have good and excellent credit scores, you should check your current bank for special offers.
might offer lower rates and more flexible terms, especially to those with bad credit. They're also your best shot for loans of $2,500 or less. You must be a member at the credit union in order to apply for a loan and be ready for the application process, which can cause you to see your score fall.
Personal loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees, the customer experience and ethical lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, including the impact on credit score rate and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 18.0-35.99%
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
On Achieving
Attain
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit scores, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
Return to the top
5. Take a look at the fine print
Before signing a loan make sure you go through the loan's terms and conditions and seek answers to any questions you may have. In particular, watch for:
Fees. Penalties for prepayment -- or fees to pay off a loan early uncommon, however lenders could charge other fees, including origination and late payment fees.
Automatic withdrawals. If a bank automatically takes loan payments from your checking account, you should consider creating a low balance alert at your bank in order to avoid overdraft charges.
APR surprises. The total amount of your loan, including interest and any origination fees, must be clearly disclosed and figured in the APR.
Additionally, look for lenders that provide services the option of reporting payments to the 3 major credit agencies. They also allow the borrower to alter their payment dates or send the borrowed funds directly to creditors who are owed the debt consolidation loans.
Return to the top
6. Complete your application
Once you've selected the right lender for your requirements, you'll be able to apply formally . The requirements for applying can differ by company, but it's probably require:
Identification: Passport driver's license, driver's licence State ID, Social Security card.
Verification of address: Utility bills or lease agreements.
Documentation of income: Pay stubs, bank statements , or tax returns.
The lender will run an investigation of your credit which could temporarily lower the score of your credit by several points and can be reported at the top of credit scores for a period of 24 months. After approval you'll be able to receive your loan as per the terms of the lender, usually within of a week. Once you've received your funds, make a plan to pay off the loan and .
If your application is rejected:
Authors' Bio: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade is the private loans for NerdWallet.
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Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able make financial decisions without hesitation. And while our site doesn't feature every company or financial product available in the marketplace however, we're confident that the advice we provide, the information we provide and the tools we create are impartial, independent, straightforward -- and completely free. How do we earn money? Our partners pay us. This can influence the products we review and write about (and the places they are featured on the website) However, it in no way affects our suggestions or recommendations which are based on many hours of study. Our partners cannot pay us to guarantee favorable reviews of their products or services. .
How to Apply for a Personal Loan in just 6 Steps
A personal loan begins with a thorough examination of your credit score, getting pre-qualified and comparing loan options.
,
Updated on January 18, 2023
The majority or all of the items featured on this page come from our partners who pay us. This influences which products we review as well as the place and way the product appears on the page. But this doesn't affect our opinions. Our opinions are our own. Here's a list of and .
Steps Display More
Steps
Finding a personal loan isn't necessarily complicated. Understanding where to start, what you need in order to apply and the best way to compare offers can help you select the right one .
Here are six steps that will help you through the process of searching for and getting an individual loan.
1. Check your credit score
Start by checking your credit score to evaluate your financial standing. A credit score that is high can allow you the opportunity to take out personal loan and lower interest rates.
Credit scores typically fall into these categories.
A score of 720 or higher is considered excellent credit.
690-719: Credit score of good.
630-689: Fair or average credit.
300-629: Credit problems.
Do you have a low-quality score? Fix any errors on your credit report which could affect your score. You can ask for a challenge missed payments incorrectly reported or any other errors it might contain.
Be sure to make on-time payments toward debts like credit cards and loan payment, and ensure that the credit utilization (the extent of the credit you utilize in relation to credit limits) to a minimum, as these are the biggest elements that affect your score.
>What's your credit score?
2. Calculate your loan payments
Next, determine how much amount of money you'll need to get from Then, determine the amount you'll need from a loan. It is important to ensure that amount includes any charges the lender could charge. The fees, which vary from 1% to 10% of the loan and are usually taken from the loan funds.
Examining your loan amount and credit score can give you an idea of the monthly and annual payments you might receive on a personal loan.
The loan term is also a factor in how much a loan costs. A longer loan time frame means smaller monthly payments, but you'll be paying more interest.
Utilize the calculator below to calculate estimated payments based on your score on credit, loan amount and loan duration. The best personal loans offer monthly installments that can be easily incorporated into your budget.
Return to the top
3. Be prequalified for a loan
Pre-qualifying for a personal loan will give you a taste of what you might get from lenders. Many online lenders and some banks offer a pre-qualification process that doesn't affect your score on credit.
When applying for a loan, you are required to generally provide details about yourself, like your name, date of birth or income, as well as the loan reason.
By pre-qualifying for multiple lenders, you compare estimated rates and payment amounts.
Find out if you're pre-qualified for a personal loan that doesn't impact the credit rating.
Just answer a few questions to get a personalized rate from our lending partners.
The purpose of the loan Select your choice Debt Consolidation Medical Home Improvement Credit Card Consolidation Auto Motorcycle Major Purchase Begin a Business Education IRS Tax Other Debt
The amount of the loan
Credit score Choose your choice Excellent Good Fair Poor
Employment status Select your option Full-time Part time Self-employed Unemployed Military Retired Other
See If You Pre-Qualify
To strengthen your application, consider a co-signed or . adding someone with a prime credit score or an asset as collateral can help you qualify or obtain a lower cost. Note that both options have consequences for the co-applicant and collateral if you fail to pay back.
>> MORE:
From top to bottom
4. Shop around and compare lenders.
You can find personal loans at banks, online lenders, or credit unions. It is a good idea to look around and compare loan amounts as well as monthly payments and interest rates offered by different lenders.
You can pre-qualify for a loan, apply and receive funds online. They are lenders who appreciate , and offer fast loans and loans to people with credit scores of all the entire spectrum.
such as , and offer unsecured personal loans like, and current account holders may enjoy flexible loan terms and rate discounts. If you have good and excellent credit scores, you should check your current bank for special offers.
might offer lower rates and more flexible terms, especially to those with bad credit. They're also your best shot for loans of $2,500 or less. You must be a member at the credit union in order to apply for a loan and be ready for the application process, which can cause you to see your score fall.
Personal loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees, the customer experience and ethical lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, including the impact on credit score rate and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 18.0-35.99%
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
On Achieving
Attain
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit scores, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
Return to the top
5. Take a look at the fine print
Before signing a loan make sure you go through the loan's terms and conditions and seek answers to any questions you may have. In particular, watch for:
Fees. Penalties for prepayment -- or fees to pay off a loan early uncommon, however lenders could charge other fees, including origination and late payment fees.
Automatic withdrawals. If a bank automatically takes loan payments from your checking account, you should consider creating a low balance alert at your bank in order to avoid overdraft charges.
APR surprises. The total amount of your loan, including interest and any origination fees, must be clearly disclosed and figured in the APR.
Additionally, look for lenders that provide services the option of reporting payments to the 3 major credit agencies. They also allow the borrower to alter their payment dates or send the borrowed funds directly to creditors who are owed the debt consolidation loans.
Return to the top
6. Complete your application
Once you've selected the right lender for your requirements, you'll be able to apply formally . The requirements for applying can differ by company, but it's probably require:
Identification: Passport driver's license, driver's licence State ID, Social Security card.
Verification of address: Utility bills or lease agreements.
Documentation of income: Pay stubs, bank statements , or tax returns.
The lender will run an investigation of your credit which could temporarily lower the score of your credit by several points and can be reported at the top of credit scores for a period of 24 months. After approval you'll be able to receive your loan as per the terms of the lender, usually within of a week. Once you've received your funds, make a plan to pay off the loan and .
If your application is rejected:
Authors' Bio: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade is the private loans for NerdWallet.
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