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How to Get a Personal loan in 6 steps
Advertiser disclosure You're our first priority. Every time. We believe everyone should be able to make sound 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 guidance we offer, the information we provide and the tools we develop are independent, objective easy to use and free. So how do we earn money? Our partners pay us. This can influence the products we review and write about (and the way they appear on our website) however it does not affect our recommendations or advice that are based on many hours of study. Our partners are not able to be paid to ensure positive reviews of their products or services. .
How to get a personal loan in just 6 steps
The process of getting a personal loan begins with a thorough examination of your credit score, getting pre-qualified and the process of comparing loan options.
,
The last update was on January 18, 2023.
A majority of the products we feature are provided by our partners who compensate us. This affects the products we feature and where and how the product appears on the page. However, this does not influence our evaluations. Our opinions are entirely our own. Here's a list of and .
Steps Show More
Steps
The process of applying for a personal loan does not have to be difficult. Understanding where to start with, what you'll need to know in order to apply and the best way to compare the various options can help you choose the .
Here are the steps to help you through the process of finding and getting the personal loan.
1. Verify your credit score
Check your credit score first to evaluate your financial standing. A good credit score can get you a for personal loan as well as a lower interest rate.
Credit scores usually fall in these categories.
A score of 720 or higher is considered excellent credit.
690-719: Good credit.
630-689: Fair or average credit.
300-629: No credit.
Are you seeing a score that isn't as favorable? Repair any mistakes that are on your report that might have a negative effect on your score. You can request a and dispute wrongly reported missed payments or any other errors it might contain.
Make timely payments on debts like credit cards and loan payments, and keep your utilization of credit (the quantity of credit that you use relative to your credit limits) low since these are the most significant elements that affect your credit score.
>What's your credit score?
2. Calculate your loan payments
Then, figure out how much money you need from Then, determine the amount you'll need from a loan. You'll want to make sure that the amount you choose to borrow is inclusive of any charges the lender could charge. The fees, which vary between 1% and 10 percent of the loan, are typically subtracted from the loan proceeds.
Reviewing your loan size and your credit rating will give you a better idea of the monthly and annual payment you may receive for a personal loan.
The loan term also plays an important role in the amount a loan costs. A longer loan term will mean less monthly payments, however you'll end up paying more in interest.
Use the calculator to view estimates of your monthly payments based upon your score on credit, loan amount and loan duration. The best personal loans come with monthly payments that can be easily incorporated into your budget.
From top to bottom
3. Pre-qualify for a loan
Being prequalified for personal loan gives you a preview of the deals you could receive from lenders. Some online lenders as well as banks offer a pre-qualification that doesn't affect your credit score.
When applying for a loan, you are required to generally give details about yourself, like your name, date of birth or income, as well as the loan purpose.
Pre-qualifying with multiple lenders lets you compare estimated rates and amounts of payments.
See if you pre-qualify for an individual loan that doesn't impact your score on credit.
Simply answer a few questions to get personalized rates from our lending partners.
Goal of loan Choose your option Debt Consolidation Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Begin a Business Education IRS Tax Other Debt
Loan amount
Credit score Choose your choice Very Good Good Fair Poor
Status of employment Select your choice Full-time Part-time Self-employed Unemployed Military Retired Other
Check if you are pre-qualified
To make your application more attractive, consider a co-signed or . adding someone with a prime credit score or a collateral asset can help you qualify or obtain a lower cost. Both options come with consequences for the co-applicant or collateral if you fail to pay back.
>> MORE:
Back to top
4. Compare lenders and shop around
You can get personal loans at online lenders, banks as well as 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.
let you pre-qualify for loans, apply and get funds online. They are lenders who appreciate , and offer fast loans and loans to people with credit scores of all the board.
Like, and provide such as, and provide loans, and existing customers can get flexible loan conditions and rate reductions. If you've got good or excellent credit score, look at your current bank for special offers.
might offer lower rates and more flexible terms, particularly to people with poor credit. It's also the best option for -- at least $2,500. 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 you to see your score drop.
Individual loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled 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 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 beneficial to consumers, 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 Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 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 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 consumer-friendly, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
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 the impact on credit scores, rates and fees, the customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact on credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers 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 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. 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 customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score rates and fees, customer service and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees, 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 Axos
Axos
4.0 NerdWallet's ratings are determined by the editorial staff. 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 ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees, the customer experience and responsible lending practices.
APR 7.99-14.99%
Amount of loan: $5,000 - $50,000
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are 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 responsible 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 the impact on credit scores rate and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration 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.
4.5 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 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Achieving
Achieve
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, 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 team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score rate and fees, the customer experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $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 takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
4.0 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 ethical lending practices.
APR 18.0-35.99%
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
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 impact to credit score rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined 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, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 percent
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 aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled 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, 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 believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
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, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider 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 staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and ethical 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 staff. The scoring formula takes into account aspects 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.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer 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 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 customers' experience, and responsible 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 friendly to consumers, such as the impact on 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 Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, 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 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 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Reach your goals
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 as well as the customer's experience and responsible lending practices.
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 to credit score, rates and fees customers' 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 compiled by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit score rate and fees, customer service 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 responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including 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%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
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 the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, 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 are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit scores, rates and fees, the customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible 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 compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe 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 staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
From top to bottom
5. Take a look at the fine print
Before you sign the loan make sure you go through the loan's terms and conditions and seek answers to your concerns. In particular, watch for:
Fees. Penalties for prepayment -- or fees to pay off a loan early very rare, but lenders can charge other fees, including origination and late payment fees.
Automated withdrawals. If a lender is able to automatically withdraw loan payments from your checking account, think about setting up a low-balance alert at your bank in order to avoid charges for overdrafts.
APR surprises. The total cost of your loan including interest and any origination fees, must be disclosed clearly and factored into the APR.
Also, search for lenders that provide services such as reporting payments to the three credit bureaus that are the largest, allowing the borrower to alter their payment date or sending the borrowed funds directly to creditors for the debt consolidation loans.
Return to the top
6. Complete your application
Once you've chosen the lender that best meets your requirements, you'll need to apply make an application in writing . It is possible to apply for a loan with different requirements depending on the company, but it's likely require:
Identification: A passport, driver's license or state ID. Security card.
Verification of address Address verification: Utility bills or lease agreement.
Documentation of income such as pay stubs, statements from banks or tax returns.
The lender will conduct an investigation of your credit that could reduce the credit rating of yours by just a couple points . This could be reported in credit report reports over a period of 24 months. Upon final approval you'll get your loan as per the terms set by the lender, typically within one week. When you've got your money you can plan a strategy to repay your loan and .
>> If your application is rejected:
Authors' Bio: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade covers personal loans for NerdWallet.
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Advertiser disclosure You're our first priority. Every time. We believe everyone should be able to make sound 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 guidance we offer, the information we provide and the tools we develop are independent, objective easy to use and free. So how do we earn money? Our partners pay us. This can influence the products we review and write about (and the way they appear on our website) however it does not affect our recommendations or advice that are based on many hours of study. Our partners are not able to be paid to ensure positive reviews of their products or services. .
How to get a personal loan in just 6 steps
The process of getting a personal loan begins with a thorough examination of your credit score, getting pre-qualified and the process of comparing loan options.
,
The last update was on January 18, 2023.
A majority of the products we feature are provided by our partners who compensate us. This affects the products we feature and where and how the product appears on the page. However, this does not influence our evaluations. Our opinions are entirely our own. Here's a list of and .
Steps Show More
Steps
The process of applying for a personal loan does not have to be difficult. Understanding where to start with, what you'll need to know in order to apply and the best way to compare the various options can help you choose the .
Here are the steps to help you through the process of finding and getting the personal loan.
1. Verify your credit score
Check your credit score first to evaluate your financial standing. A good credit score can get you a for personal loan as well as a lower interest rate.
Credit scores usually fall in these categories.
A score of 720 or higher is considered excellent credit.
690-719: Good credit.
630-689: Fair or average credit.
300-629: No credit.
Are you seeing a score that isn't as favorable? Repair any mistakes that are on your report that might have a negative effect on your score. You can request a and dispute wrongly reported missed payments or any other errors it might contain.
Make timely payments on debts like credit cards and loan payments, and keep your utilization of credit (the quantity of credit that you use relative to your credit limits) low since these are the most significant elements that affect your credit score.
>What's your credit score?
2. Calculate your loan payments
Then, figure out how much money you need from Then, determine the amount you'll need from a loan. You'll want to make sure that the amount you choose to borrow is inclusive of any charges the lender could charge. The fees, which vary between 1% and 10 percent of the loan, are typically subtracted from the loan proceeds.
Reviewing your loan size and your credit rating will give you a better idea of the monthly and annual payment you may receive for a personal loan.
The loan term also plays an important role in the amount a loan costs. A longer loan term will mean less monthly payments, however you'll end up paying more in interest.
Use the calculator to view estimates of your monthly payments based upon your score on credit, loan amount and loan duration. The best personal loans come with monthly payments that can be easily incorporated into your budget.
From top to bottom
3. Pre-qualify for a loan
Being prequalified for personal loan gives you a preview of the deals you could receive from lenders. Some online lenders as well as banks offer a pre-qualification that doesn't affect your credit score.
When applying for a loan, you are required to generally give details about yourself, like your name, date of birth or income, as well as the loan purpose.
Pre-qualifying with multiple lenders lets you compare estimated rates and amounts of payments.
See if you pre-qualify for an individual loan that doesn't impact your score on credit.
Simply answer a few questions to get personalized rates from our lending partners.
Goal of loan Choose your option Debt Consolidation Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Begin a Business Education IRS Tax Other Debt
Loan amount
Credit score Choose your choice Very Good Good Fair Poor
Status of employment Select your choice Full-time Part-time Self-employed Unemployed Military Retired Other
Check if you are pre-qualified
To make your application more attractive, consider a co-signed or . adding someone with a prime credit score or a collateral asset can help you qualify or obtain a lower cost. Both options come with consequences for the co-applicant or collateral if you fail to pay back.
>> MORE:
Back to top
4. Compare lenders and shop around
You can get personal loans at online lenders, banks as well as 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.
let you pre-qualify for loans, apply and get funds online. They are lenders who appreciate , and offer fast loans and loans to people with credit scores of all the board.
Like, and provide such as, and provide loans, and existing customers can get flexible loan conditions and rate reductions. If you've got good or excellent credit score, look at your current bank for special offers.
might offer lower rates and more flexible terms, particularly to people with poor credit. It's also the best option for -- at least $2,500. 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 you to see your score drop.
Individual loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled 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 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 beneficial to consumers, 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 Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 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 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 consumer-friendly, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
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 the impact on credit scores, rates and fees, the customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact on credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers 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 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. 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 customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score rates and fees, customer service and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees, 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 Axos
Axos
4.0 NerdWallet's ratings are determined by the editorial staff. 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 ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees, the customer experience and responsible lending practices.
APR 7.99-14.99%
Amount of loan: $5,000 - $50,000
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are 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 responsible 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 the impact on credit scores rate and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration 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.
4.5 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 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Achieving
Achieve
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, 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 team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score rate and fees, the customer experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $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 takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
4.0 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 ethical lending practices.
APR 18.0-35.99%
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
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 impact to credit score rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined 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, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 percent
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 aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled 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, 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 believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
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, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider 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 staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and ethical 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 staff. The scoring formula takes into account aspects 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.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer 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 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 customers' experience, and responsible 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 friendly to consumers, such as the impact on 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 Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, 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 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 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Reach your goals
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 as well as the customer's experience and responsible lending practices.
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 to credit score, rates and fees customers' 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 compiled by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit score rate and fees, customer service 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 responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including 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%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
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 the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, 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 are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit scores, rates and fees, the customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible 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 compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe 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 staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
From top to bottom
5. Take a look at the fine print
Before you sign the loan make sure you go through the loan's terms and conditions and seek answers to your concerns. In particular, watch for:
Fees. Penalties for prepayment -- or fees to pay off a loan early very rare, but lenders can charge other fees, including origination and late payment fees.
Automated withdrawals. If a lender is able to automatically withdraw loan payments from your checking account, think about setting up a low-balance alert at your bank in order to avoid charges for overdrafts.
APR surprises. The total cost of your loan including interest and any origination fees, must be disclosed clearly and factored into the APR.
Also, search for lenders that provide services such as reporting payments to the three credit bureaus that are the largest, allowing the borrower to alter their payment date or sending the borrowed funds directly to creditors for the debt consolidation loans.
Return to the top
6. Complete your application
Once you've chosen the lender that best meets your requirements, you'll need to apply make an application in writing . It is possible to apply for a loan with different requirements depending on the company, but it's likely require:
Identification: A passport, driver's license or state ID. Security card.
Verification of address Address verification: Utility bills or lease agreement.
Documentation of income such as pay stubs, statements from banks or tax returns.
The lender will conduct an investigation of your credit that could reduce the credit rating of yours by just a couple points . This could be reported in credit report reports over a period of 24 months. Upon final approval you'll get your loan as per the terms set by the lender, typically within one week. When you've got your money you can plan a strategy to repay your loan and .
>> If your application is rejected:
Authors' Bio: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade covers personal loans for NerdWallet.
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