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How to Apply for a Personal Loan
Advertiser disclosure You're our first priority. Everytime. We believe that every person should be able make financial decisions without hesitation. Although our site does not include every company or financial product in the marketplace however, we're confident that the guidance we offer and the information we offer as well as the tools we design are impartial, independent simple, and free. So how do we earn money? Our partners compensate us. This could influence the types of products we review and write about (and the places they are featured on our site) However, it doesn't affect our suggestions or recommendations that are based on thousands of hours of study. Our partners cannot pay us to guarantee favorable ratings of their goods or services. .
How do I apply for a Personal Loan
The process of applying for a loan begins with a thorough check of your credit score and pre-qualifying to assess personal loan deals.
,
Last updated on Jan 19 2023.
The majority or all of the products we feature come from our partners who pay us. This impacts the types of products we write about as well as the place and way the product is featured on a page. However, it does not affect our assessments. Our views are our own. Here is a list of and .
How to Apply to get a personal loan Show More
The application process for a personal loan can be overwhelming If you aren't sure how to start or what you need.
Below are five steps as well as common questions to help you navigate the application process and choosing the best option for your personal financial situation.
Step 1: Verify your credit report.
Start the process by checking your credit. The interest rate as well as the loan amount you receive depend a lot upon your score on credit, therefore looking over your credit report will help you find and correct any mistakes -- such as an incorrectly reported late payment -- and boost your score before applying for an individual loan.
How does my credit score affect my personal loan offers?
Good- or excellent-credit borrowers (those who have score of 690 or above) generally receive lower interest rates and have a wider selection of lenders to choose from. However, bad- and fair-credit borrowers (scores of 300 - 689) might have fewer choices and receive higher interest rates.
What can I do to check my credit score free of charge?
You can obtain a report with NerdWallet. It is also possible to request free information on your credit from the 3 major credit bureaus by using .
Step 2: Apply for pre-qualification and then compare different offers
It gives you an overview of the estimated rates, monthly payments and terms before you submit a formal application. Most lenders allow prospective customers to be pre-qualified on their websites. This includes banks, online lenders and credit unions, to determine the best loan for you.
Check if you are pre-qualified for a personal loan that doesn't impact your credit score.
Just answer a few questions to get personalized rates for our loan partners.
Loan purpose Select your option Debt Consolidation Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a business Education IRS Tax Other Debt
The loan amount
Credit score Select your option 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
Does pre-qualifying impact my score on credit?
The pre-qualification process for a personal loan is a non-invasive inquiry, and doesn't affect the score of your credit.
What do I need to pre-qualify for an individual loan?
To be eligible, you'll need to submit certain information, including:
Loan purpose. can be used for almost everything. Most lenders will inquire about what you will use the money.
Requested loan amount. Lenders typically provide personal loans from $1,000 to $50,000.
Preferred loan duration. Personal loans usually have monthly payments divided over two-to seven-year time frames.
Personal and financial information. It could include your name, email address as well as your date of birth, address, income, and Social Security number.
If you're not able pre-qualify for a loan by yourself, consider the possibility of a . A person with a high credit score and higher income can assist you in getting approval and lower the rate. Be aware that a co-borrower , co-signer or co-borrower is financially accountable when you are not able to pay the loan.
>> MORE:
How do I be pre-qualified?
Pre-qualifying can take up to a few minutes after you submit your information. If you qualify for a loan offer, the lender will show you possible rates and terms you can choose from.
Step 3: Select your bank and loan
With multiple lenders offering different loans It can be hard to determine which loan to choose. Here are a few ways to assess the various loan options:
APR: The is the total cost of borrowing. It includes the interest rate as well as the other fees. The lower APR, the lower the cost of the loan.
Loan term: The loan term determines how long you'll have to pay off the loan. A longer term can make your monthly payments cheaper but you might pay more the interest rate than a shorter-term loan.
Charges: Certain lenders charge additional charges which add to the price of the loan. See if the loans have an or a prepayment penalty if you want to pay the loan in a shorter time.
Monthly payments: Examine the monthly installment and ensure that you can comfortably afford the loan in your budget.
Features and benefits : Identify those features that matter to you, like flexible payment options, help in building credit, or direct payment to your creditors when you consolidate debt. Benefits such as monthly payment assistance for those who are unemployed could help make difficult times easier.
>> MORE:
Personal loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
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 consumers, including impact to credit score rate and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are 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 Happy Money
Happy Money
4.5 NerdWallet's ratings were 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, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were 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, customer experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, the customer 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 to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, the customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as the impact on credit scores rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
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 beneficial to the consumer, such as 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 algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR Rates mentioned are for 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 formula is based on aspects we believe are consumer-friendly, including impact to 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 staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled through our team of editors. 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.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
On Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects 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 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 beneficial to consumers, including the impact on credit scores rate and fees 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 friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Achieve
Attain
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula takes into account 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 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined 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 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 beneficial to the consumer, including the impact on credit score, fees and rates customers' 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 team. The scoring formula considers the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 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, fees and rates as well as the customer's experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on Discover
Discover
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 the consumer, including impact on 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 staff. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
On Achieving
Attain
5.0 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 ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
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 the consumer, including the impact on credit score, rates and fees 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 aspects we consider to be beneficial to consumers, including the impact on credit scores, 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 the factors we believe to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 Percent
The amount of the loan is $1,000.
on Upstart
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 friendly to consumers, such as the 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 is based on factors we consider to be 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%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were 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, the customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled 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 score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit scores rate and fees customers' experience, and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account 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 staff. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer 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 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, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
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 the 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 the factors we believe to be a good choice for consumers, such as the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were 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 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 aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
Step 4: Gather loan documents
After you've selected an loan with the interest rate and terms that will best suit your needs then it's time to fill out the application.
What information do I need to submit for my loan application?
You'll need to provide some or all of these:
Identification proof, such as an ID issued by the government, recent utility bill or lease agreement.
Proof of address.
Proof of employment status.
Education history that includes the highest level of education you've obtained and your graduation date.
Details of income, like bank statements or pay stubs, and other income sources like pension, alimony, or support for children.
Social Security number, if it wasn't provided during pre-qualification.
If you have a co-borrower in the personal loan application, they'll have to provide similar documents to confirm their identity, address , and information about their income.
Step 5 Complete your application and be funded
Read carefully the conditions of the loan, and then complete your application.
A loan agreement lays out the mutually agreed loan amount along with the terms, interest rate and conditions. It also permits the lender to verify the accuracy of your personal information and to pull your credit reports.
What will my loan application affect my credit score?
Submitting the formal loan application results in shaving up to five points off your score, and remaining at the top of your credit score for two years.
How do I expect to wait for my application to be considered?
If everything checks out, you could be approved on the same day. If the lender requests additional documents, the approval process could be delayed.
How long will it take to be funded?
After you are accepted and have signed the loan agreement, the time you get the funds will likely depend on the lender you select. A lot of online lenders offer immediate funding, while other banks might be able to get the funds available to you within five days or less.
>> MORE:
When you've received funds then you can expect the first loan payment to be due in 30 days. If you've chosen to automate bank payments, your funds will be debited from the account you provided. Add your monthly payment amount to your budget .
About the authors: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade covers individual loans for NerdWallet.
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Advertiser disclosure You're our first priority. Everytime. We believe that every person should be able make financial decisions without hesitation. Although our site does not include every company or financial product in the marketplace however, we're confident that the guidance we offer and the information we offer as well as the tools we design are impartial, independent simple, and free. So how do we earn money? Our partners compensate us. This could influence the types of products we review and write about (and the places they are featured on our site) However, it doesn't affect our suggestions or recommendations that are based on thousands of hours of study. Our partners cannot pay us to guarantee favorable ratings of their goods or services. .
How do I apply for a Personal Loan
The process of applying for a loan begins with a thorough check of your credit score and pre-qualifying to assess personal loan deals.
,
Last updated on Jan 19 2023.
The majority or all of the products we feature come from our partners who pay us. This impacts the types of products we write about as well as the place and way the product is featured on a page. However, it does not affect our assessments. Our views are our own. Here is a list of and .
How to Apply to get a personal loan Show More
The application process for a personal loan can be overwhelming If you aren't sure how to start or what you need.
Below are five steps as well as common questions to help you navigate the application process and choosing the best option for your personal financial situation.
Step 1: Verify your credit report.
Start the process by checking your credit. The interest rate as well as the loan amount you receive depend a lot upon your score on credit, therefore looking over your credit report will help you find and correct any mistakes -- such as an incorrectly reported late payment -- and boost your score before applying for an individual loan.
How does my credit score affect my personal loan offers?
Good- or excellent-credit borrowers (those who have score of 690 or above) generally receive lower interest rates and have a wider selection of lenders to choose from. However, bad- and fair-credit borrowers (scores of 300 - 689) might have fewer choices and receive higher interest rates.
What can I do to check my credit score free of charge?
You can obtain a report with NerdWallet. It is also possible to request free information on your credit from the 3 major credit bureaus by using .
Step 2: Apply for pre-qualification and then compare different offers
It gives you an overview of the estimated rates, monthly payments and terms before you submit a formal application. Most lenders allow prospective customers to be pre-qualified on their websites. This includes banks, online lenders and credit unions, to determine the best loan for you.
Check if you are pre-qualified for a personal loan that doesn't impact your credit score.
Just answer a few questions to get personalized rates for our loan partners.
Loan purpose Select your option Debt Consolidation Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a business Education IRS Tax Other Debt
The loan amount
Credit score Select your option 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
Does pre-qualifying impact my score on credit?
The pre-qualification process for a personal loan is a non-invasive inquiry, and doesn't affect the score of your credit.
What do I need to pre-qualify for an individual loan?
To be eligible, you'll need to submit certain information, including:
Loan purpose. can be used for almost everything. Most lenders will inquire about what you will use the money.
Requested loan amount. Lenders typically provide personal loans from $1,000 to $50,000.
Preferred loan duration. Personal loans usually have monthly payments divided over two-to seven-year time frames.
Personal and financial information. It could include your name, email address as well as your date of birth, address, income, and Social Security number.
If you're not able pre-qualify for a loan by yourself, consider the possibility of a . A person with a high credit score and higher income can assist you in getting approval and lower the rate. Be aware that a co-borrower , co-signer or co-borrower is financially accountable when you are not able to pay the loan.
>> MORE:
How do I be pre-qualified?
Pre-qualifying can take up to a few minutes after you submit your information. If you qualify for a loan offer, the lender will show you possible rates and terms you can choose from.
Step 3: Select your bank and loan
With multiple lenders offering different loans It can be hard to determine which loan to choose. Here are a few ways to assess the various loan options:
APR: The is the total cost of borrowing. It includes the interest rate as well as the other fees. The lower APR, the lower the cost of the loan.
Loan term: The loan term determines how long you'll have to pay off the loan. A longer term can make your monthly payments cheaper but you might pay more the interest rate than a shorter-term loan.
Charges: Certain lenders charge additional charges which add to the price of the loan. See if the loans have an or a prepayment penalty if you want to pay the loan in a shorter time.
Monthly payments: Examine the monthly installment and ensure that you can comfortably afford the loan in your budget.
Features and benefits : Identify those features that matter to you, like flexible payment options, help in building credit, or direct payment to your creditors when you consolidate debt. Benefits such as monthly payment assistance for those who are unemployed could help make difficult times easier.
>> MORE:
Personal loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
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 consumers, including impact to credit score rate and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are 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 Happy Money
Happy Money
4.5 NerdWallet's ratings were 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, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were 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, customer experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, the customer 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 to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, the customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as the impact on credit scores rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
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 beneficial to the consumer, such as 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 algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR Rates mentioned are for 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 formula is based on aspects we believe are consumer-friendly, including impact to 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 staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled through our team of editors. 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.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
On Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects 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 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 beneficial to consumers, including the impact on credit scores rate and fees 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 friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Achieve
Attain
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula takes into account 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 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined 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 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 beneficial to the consumer, including the impact on credit score, fees and rates customers' 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 team. The scoring formula considers the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 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, fees and rates as well as the customer's experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on Discover
Discover
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 the consumer, including impact on 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 staff. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
On Achieving
Attain
5.0 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 ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
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 the consumer, including the impact on credit score, rates and fees 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 aspects we consider to be beneficial to consumers, including the impact on credit scores, 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 the factors we believe to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 Percent
The amount of the loan is $1,000.
on Upstart
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 friendly to consumers, such as the 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 is based on factors we consider to be 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%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were 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, the customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled 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 score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit scores rate and fees customers' experience, and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account 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 staff. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer 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 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, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
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 the 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 the factors we believe to be a good choice for consumers, such as the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were 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 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 aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
Step 4: Gather loan documents
After you've selected an loan with the interest rate and terms that will best suit your needs then it's time to fill out the application.
What information do I need to submit for my loan application?
You'll need to provide some or all of these:
Identification proof, such as an ID issued by the government, recent utility bill or lease agreement.
Proof of address.
Proof of employment status.
Education history that includes the highest level of education you've obtained and your graduation date.
Details of income, like bank statements or pay stubs, and other income sources like pension, alimony, or support for children.
Social Security number, if it wasn't provided during pre-qualification.
If you have a co-borrower in the personal loan application, they'll have to provide similar documents to confirm their identity, address , and information about their income.
Step 5 Complete your application and be funded
Read carefully the conditions of the loan, and then complete your application.
A loan agreement lays out the mutually agreed loan amount along with the terms, interest rate and conditions. It also permits the lender to verify the accuracy of your personal information and to pull your credit reports.
What will my loan application affect my credit score?
Submitting the formal loan application results in shaving up to five points off your score, and remaining at the top of your credit score for two years.
How do I expect to wait for my application to be considered?
If everything checks out, you could be approved on the same day. If the lender requests additional documents, the approval process could be delayed.
How long will it take to be funded?
After you are accepted and have signed the loan agreement, the time you get the funds will likely depend on the lender you select. A lot of online lenders offer immediate funding, while other banks might be able to get the funds available to you within five days or less.
>> MORE:
When you've received funds then you can expect the first loan payment to be due in 30 days. If you've chosen to automate bank payments, your funds will be debited from the account you provided. Add your monthly payment amount to your budget .
About the authors: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade covers individual loans for NerdWallet.
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