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How to Apply for a Personal loan in 6 steps
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions with confidence. Although our site does not feature every business or financial product that is available on the market, we're proud that the guidance we offer as well as the advice we provide as well as the tools we design are impartial, independent, straightforward -- and completely free. How do we earn money? Our partners compensate us. This may influence which products we write about (and the places they are featured on the website) However, it doesn't affect our recommendations or advice that are based on hundreds of hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .
How to Get a Personal loan in just 6 steps
Getting a personal loan starts with checking your credit, getting pre-qualified and comparing loan alternatives.
,
The last update was on January 18, 2023
A majority of the products we feature are provided by our partners who compensate us. This impacts the types of products we feature and where and how the product appears on a page. But, it doesn't influence our evaluations. Our opinions are our own. Here is a list of and .
Steps to Take
Steps
Shopping for a personal loan isn't necessarily difficult. Understanding where to start with, what you'll need to know for the application process and how to evaluate the various options can help you choose the .
Here are six steps that will help you through the process of finding and obtaining an individual loan.
1. Check your credit score
First check your credit score to evaluate your financial standing. A high credit score gives you the opportunity to take out a personal loan and lower interest rates.
Credit scores generally fall into these categories.
A score of 720 or higher is considered excellent credit.
690-719: Excellent credit.
630-689: Fair or average credit.
300-629: Credit problems.
Looking at a less-than-friendly score? Fix any errors in your credit file that might be dragging down your score. You can ask for a contest missed payments that were incorrectly reported or any other errors it might contain.
Make timely payments to your debts like credit cards and loan payments, and also keep your utilization of credit (the quantity of credit that you have used in relation to credit limits) at a minimum since these are the most significant factors affecting your score.
>How's your credit?
2. Calculate your loan payments
Next, determine how much amount of money you'll need from a loan. It is important to ensure that amount includes any fees the lender may charge. , which range between 1% and 10 percent of the loan and are usually taken from the loan funds.
Looking at the loan sum and the credit scores can give you an idea of the and monthly payments you might receive on the personal loan.
The loan term is also a factor in how much a loan can cost. A longer loan term means lower monthly payments, but you'll be paying more interest.
Utilize the calculator below to calculate estimates of your monthly payments based upon the credit rating of yours, loan amount and loan term. The best personal loans come with monthly payments that fit comfortably into your budget.
Return to the top
3. Be prequalified for a loan
Being prequalified for personal loan gives you a preview of the deals you could receive from lenders. A lot of online lenders and banks offer a pre-qualification that doesn't affect your score on credit.
When applying for a loan, you are required to generally give details about yourself, like your name, birth date as well as your income and loan goal.
Pre-qualifying with multiple lenders lets you compare estimates of rates and payment amounts.
Check if you are pre-qualified for a personal loan that doesn't impact your score on credit.
Just answer a few questions to receive personalized rates of our lenders.
The purpose of the loan Select your choice Debt Consolidation Home Improvement Medical Credit Card Consolidation Auto Motorbike Major Purchase Start a Business IRS Tax Debt Other
Loan amount
Credit score Select the option you want. Good Good Fair Poor
Employment status Select your option Full-time Part-time Self-employed unemployed military Retired Other
Check if you are pre-qualified
To strengthen your application think about a co-signed application or . including someone with excellent credit or an asset as collateral could help you get a better credit score or obtain a lower cost. Both options come with consequences for the co-applicant or collateral if you fail to repay.
>> MORE:
Back to top
4. Shop around and compare lenders.
You can find personal loans from banks, online lenders as well as credit unions. It is a good idea to look around and examine loan amounts, monthly payments and interest rates from different lenders.
let you pre-qualify for loans, apply and get funds online. The lenders are awe-inspiring, and provide rapid loans and loans to people with credit scores of all the spectrum.
such as , and offer unsecured personal loans as well as existing customers may be able to get flexible loan terms and rate discounts. If you've got good or excellent credit score, you should check your current bank for offers.
may offer lower interest rates and more flexible terms, particularly to those with bad credit. They're also your best shot for -- $2,500 or less. You have to be a member of the credit union in order to apply for the loan and be ready for the application process, which could lead to your credit score to fall.
Individual loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects 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 factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer 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 ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer 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, such as the impact on credit scores, rates and fees, customer experience and ethical lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and responsible lending practices.
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 rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
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 on credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects 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 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
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 the impact on credit score, rates and fees, the customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined 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, rates and fees, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects 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.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees 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 factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score rate and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score fees and rates customers' experience, and ethical 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 are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects 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 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the 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 takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
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, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 18.0-35.99 percent
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 formula considers the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are 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 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 responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
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 the impact on credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer service and ethical 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 factors 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 team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, 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 friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
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 score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on Achieve
Achieve
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on 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 team. 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 as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' 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 determined by our editorial staff. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, 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 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 ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. 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 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 a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates are based on 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 formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer service and responsible 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 rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees customers' 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 friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
From top to bottom
5. Check the fine print
Before signing an loan make sure you review the terms of the loan and get answers to any questions you may have. Particularly, look out for:
Fees. Prepayment penalties -- fees for repaying a loan early -- are rare, but lenders may charge additional fees, such as late payment and origination fees.
Automated withdrawals. If a lender automatically withdraws loan payments from your checking account, think about creating a low balance alert with your bank to prevent 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.
In addition, you should look for lenders that provide services the option of reports on payments to three major credit bureaus, and allowing customers to change the date of their payments or transfer money borrowed directly to creditors on the debt consolidation loans.
Back to top
6. Fill out your application
Once you've chosen the lender that best meets your needs, you can officially . The requirements for applying can differ by lender, but you'll most likely require:
Identification: A passport driver's license or passport, state ID or Social Security card.
Verification of address The proof of address is a utility bill or lease agreements.
Income proof Examples include pay stubs and bank statements or tax returns.
The lender will run a hard credit check that may briefly decrease the score of your credit by several points and could appear at the top of credit scores for 24 months. Upon final approval you'll get your loan as per the lender's terms, typically within of a week. Once you have your funds, make a plan to pay back the loan and .
If your application is declined:
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade is the private loans to NerdWallet.
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Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions with confidence. Although our site does not feature every business or financial product that is available on the market, we're proud that the guidance we offer as well as the advice we provide as well as the tools we design are impartial, independent, straightforward -- and completely free. How do we earn money? Our partners compensate us. This may influence which products we write about (and the places they are featured on the website) However, it doesn't affect our recommendations or advice that are based on hundreds of hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .
How to Get a Personal loan in just 6 steps
Getting a personal loan starts with checking your credit, getting pre-qualified and comparing loan alternatives.
,
The last update was on January 18, 2023
A majority of the products we feature are provided by our partners who compensate us. This impacts the types of products we feature and where and how the product appears on a page. But, it doesn't influence our evaluations. Our opinions are our own. Here is a list of and .
Steps to Take
Steps
Shopping for a personal loan isn't necessarily difficult. Understanding where to start with, what you'll need to know for the application process and how to evaluate the various options can help you choose the .
Here are six steps that will help you through the process of finding and obtaining an individual loan.
1. Check your credit score
First check your credit score to evaluate your financial standing. A high credit score gives you the opportunity to take out a personal loan and lower interest rates.
Credit scores generally fall into these categories.
A score of 720 or higher is considered excellent credit.
690-719: Excellent credit.
630-689: Fair or average credit.
300-629: Credit problems.
Looking at a less-than-friendly score? Fix any errors in your credit file that might be dragging down your score. You can ask for a contest missed payments that were incorrectly reported or any other errors it might contain.
Make timely payments to your debts like credit cards and loan payments, and also keep your utilization of credit (the quantity of credit that you have used in relation to credit limits) at a minimum since these are the most significant factors affecting your score.
>How's your credit?
2. Calculate your loan payments
Next, determine how much amount of money you'll need from a loan. It is important to ensure that amount includes any fees the lender may charge. , which range between 1% and 10 percent of the loan and are usually taken from the loan funds.
Looking at the loan sum and the credit scores can give you an idea of the and monthly payments you might receive on the personal loan.
The loan term is also a factor in how much a loan can cost. A longer loan term means lower monthly payments, but you'll be paying more interest.
Utilize the calculator below to calculate estimates of your monthly payments based upon the credit rating of yours, loan amount and loan term. The best personal loans come with monthly payments that fit comfortably into your budget.
Return to the top
3. Be prequalified for a loan
Being prequalified for personal loan gives you a preview of the deals you could receive from lenders. A lot of online lenders and banks offer a pre-qualification that doesn't affect your score on credit.
When applying for a loan, you are required to generally give details about yourself, like your name, birth date as well as your income and loan goal.
Pre-qualifying with multiple lenders lets you compare estimates of rates and payment amounts.
Check if you are pre-qualified for a personal loan that doesn't impact your score on credit.
Just answer a few questions to receive personalized rates of our lenders.
The purpose of the loan Select your choice Debt Consolidation Home Improvement Medical Credit Card Consolidation Auto Motorbike Major Purchase Start a Business IRS Tax Debt Other
Loan amount
Credit score Select the option you want. Good Good Fair Poor
Employment status Select your option Full-time Part-time Self-employed unemployed military Retired Other
Check if you are pre-qualified
To strengthen your application think about a co-signed application or . including someone with excellent credit or an asset as collateral could help you get a better credit score or obtain a lower cost. Both options come with consequences for the co-applicant or collateral if you fail to repay.
>> MORE:
Back to top
4. Shop around and compare lenders.
You can find personal loans from banks, online lenders as well as credit unions. It is a good idea to look around and examine loan amounts, monthly payments and interest rates from different lenders.
let you pre-qualify for loans, apply and get funds online. The lenders are awe-inspiring, and provide rapid loans and loans to people with credit scores of all the spectrum.
such as , and offer unsecured personal loans as well as existing customers may be able to get flexible loan terms and rate discounts. If you've got good or excellent credit score, you should check your current bank for offers.
may offer lower interest rates and more flexible terms, particularly to those with bad credit. They're also your best shot for -- $2,500 or less. You have to be a member of the credit union in order to apply for the loan and be ready for the application process, which could lead to your credit score to fall.
Individual loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects 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 factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer 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 ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer 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, such as the impact on credit scores, rates and fees, customer experience and ethical lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and responsible lending practices.
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 rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
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 on credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects 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 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
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 the impact on credit score, rates and fees, the customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined 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, rates and fees, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects 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.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees 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 factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score rate and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score fees and rates customers' experience, and ethical 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 are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects 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 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the 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 takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
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, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 18.0-35.99 percent
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 formula considers the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are 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 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 responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
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 the impact on credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer service and ethical 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 factors 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 team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, 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 friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
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 score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on Achieve
Achieve
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on 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 team. 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 as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' 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 determined by our editorial staff. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, 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 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 ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. 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 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 a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates are based on 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 formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer service and responsible 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 rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees customers' 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 friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
From top to bottom
5. Check the fine print
Before signing an loan make sure you review the terms of the loan and get answers to any questions you may have. Particularly, look out for:
Fees. Prepayment penalties -- fees for repaying a loan early -- are rare, but lenders may charge additional fees, such as late payment and origination fees.
Automated withdrawals. If a lender automatically withdraws loan payments from your checking account, think about creating a low balance alert with your bank to prevent 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.
In addition, you should look for lenders that provide services the option of reports on payments to three major credit bureaus, and allowing customers to change the date of their payments or transfer money borrowed directly to creditors on the debt consolidation loans.
Back to top
6. Fill out your application
Once you've chosen the lender that best meets your needs, you can officially . The requirements for applying can differ by lender, but you'll most likely require:
Identification: A passport driver's license or passport, state ID or Social Security card.
Verification of address The proof of address is a utility bill or lease agreements.
Income proof Examples include pay stubs and bank statements or tax returns.
The lender will run a hard credit check that may briefly decrease the score of your credit by several points and could appear at the top of credit scores for 24 months. Upon final approval you'll get your loan as per the lender's terms, typically within of a week. Once you have your funds, make a plan to pay back the loan and .
If your application is declined:
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade is the private loans to NerdWallet.
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