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How to Get a Personal Loan in just 6 Steps
Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able make financial decisions with confidence. While our website doesn't feature every company or financial product in the marketplace, we're proud that the advice we provide as well as the advice we provide and the tools we develop are impartial, independent simple, and free. So how do we make money? Our partners compensate us. This may influence which products we write about (and where those products appear on the site) however it doesn't affect our suggestions or recommendations, which are grounded in thousands of hours of study. Our partners are not able to be paid to ensure positive ratings of their goods or services. .
How to Apply for 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 looking at loan options.
,
Updated on January 18, 2023
A majority of the items featured on this page are from our partners, who pay us. This impacts the types of products we write about and the location and manner in which the product appears on a page. However, this does not influence our evaluations. Our views are our own. Here is a list of and .
Steps to Take
Steps
The process of applying for a personal loan doesn't have to be difficult. Knowing where to begin, what you need to do in order to get a loan and how to evaluate deals can help you decide on the right one .
Here are the steps to assist you in the process of locating 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 an interest rate that is lower.
Credit scores usually fall in these categories.
720 and higher: Excellent credit.
690-719: Excellent credit.
630-689: Fair or average credit.
300-629: Bad credit.
Do you have a low-quality score? Fix any errors on your credit report which could be dragging down your score. It is possible to challenge missed payments incorrectly reported or other inaccuracies it may contain.
Be sure to make on-time payments on debts like credit cards and loan payments, and also keep your credit utilization (the quantity of credit that you utilize in relation to credit limits) low since these are the most significant factors that impact your credit score.
>What's your credit score?
2. Calculate your loan payments
Then, figure out how much amount of money you'll need to get from Then, determine the amount you'll need from a loan. It is important to ensure the amount is inclusive of any charges the lender could charge. , which range between 1% and 10 percent of the loan is usually subtracted from the loan proceeds.
Reviewing the loan amount and credit score will give you an idea of the monthly and annual installments you could receive from a personal loan.
The loan term also plays an important role in the amount a loan can cost. A longer loan term will mean smaller monthly payments, but you'll pay more in interest.
Use the calculator to view estimates of your monthly payments based upon your credit score, loan amount and loan term. The most effective personal loans come with monthly payments that can be easily incorporated into your budget.
From top to bottom
3. Pre-qualify for a loan
Pre-qualifying for a personal loan gives you a preview of what you might receive from lenders. Many online lenders and some banks perform a during pre-qualification process that doesn't affect the credit rating.
In the course of applying, you will generally provide details about yourself, like your name, date of birth or income, as well as the loan reason.
The process of prequalifying multiple lenders lets you evaluate estimated rates and payment amounts.
Find out if you're pre-qualified for a personal loan and not impact your score on credit.
Just answer a few questions to get personalized rates of our lenders.
Goal of loan Choose your option Debt Consolidation Home Improvement Medical Credit Card Consolidation Auto Motorbike Major Purchase Start a Business Education IRS Tax Debt Other
Loan amount
Credit score Select the option you want. Very Good Good Fair Poor
Status of employment Select your choice Full-time Part time Self-employed Unemployed Military Retired Other
See If You Pre-Qualify
To boost your chances of being accepted you might consider co-signing or . Adding someone with prime credit or a collateral asset can help you qualify or receive a lower interest cost. Be aware that both options carry implications for co-applicants as well as collateral if you fail to repay.
>> MORE:
Return to the top
4. Shop around and compare lenders.
You can get personal loans through online lenders, banks and credit unions. It is a good idea to shop around and compare loan amounts as well as monthly payments and interest rates from different lenders.
allow you to pre-qualify to apply, and then receive money online. Lenders like , and offer rapid funding and loans to people with credit scores of all the board.
Like, and provide unsecured personal loans, and existing customers can benefit from flexible loan conditions and rate reductions. If you've got good and excellent credit scores, check your current lender for offers.
may offer lower interest rates and flexible terms, particularly to those with bad credit. It's also the best option for loans of $2,500 or less. You have to be a member of the credit union in order to apply for the loan and be ready for an application which can cause you to see your score dip.
Individual loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
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 the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider 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.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $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 is based on the factors we believe 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 consumer-friendly, including the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined 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 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 determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to 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 aspects we consider to be beneficial to consumers, including impact to credit score, 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 formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 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 rate and fees, the customer experience and ethical lending practices.
APR Rates are based on 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 team. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's rating is 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, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and ethical lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's 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.
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, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe 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 rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees customers' experience, and ethical 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 staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Achieving
Attain
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 consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit scores rate and fees, customer 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 compiled by the editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 18.0-35.99 percent
The loan amount is $1,500 to $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score rate and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees customers' 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 beneficial to the consumer, including the impact on credit score, fees and rates, customer 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 rating is determined by our editorial team. The scoring algorithm takes into consideration 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.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates 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 takes into account 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 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 staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined 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, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were 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 responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial 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 ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' 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 were determined 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, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on Achieving
Reach your goals
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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider 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 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's rating is determined 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 rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, 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 beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
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, fees and rates as well as the customer's 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 is based on the factors we believe to be beneficial to consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score fees and rates customers' experience, and ethical 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 were determined by our editorial team. The scoring formula considers factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, the 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 determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial 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.
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 formula considers the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
Return to the top
5. Read the fine print
Before signing an loan make sure you go through the loan's terms and conditions and seek answers to your concerns. Particularly, look out for:
Fees. Penalties for prepayment -- or fees for repaying the loan early -- are very rare, but lenders can be charged additional fees, like origination and late payment fees.
Automatic withdrawals. If a lender is able to automatically withdraw loan checks from the checking account you have, think about creating a low balance alert with your bank to prevent overdraft charges.
APR surprises. The total amount of your loan including interest, as well as any origination fees, must be clearly disclosed and figured into the APR.
Also, search for lenders that offer the option of paying the 3 major credit agencies. They also allow borrowers to change their payment date or sending money borrowed directly to creditors who are owed the debt consolidation loans.
From top to bottom
6. Complete your application
After you've found the lender that best meets your requirements, you'll be able to apply make an application in writing . The requirements for applying can differ by bank, however you'll probably require:
Identification: A passport, driver's license State ID, Social Security card.
Verification of address Address verification: Utility bills or lease agreement.
Documentation of income: Pay stubs, bank statements , or tax returns.
The lender will conduct an extensive credit report which could temporarily lower your credit score by a few percentage points. It could show up in credit report reports over 24 months. Once you've been approved you'll get your loan according to the lender's terms, typically within a week. Once you have your funds set out a plan to repay your loan and .
If your application has been rejected:
The authors' bios: 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 that everyone should be able make financial decisions with confidence. While our website doesn't feature every company or financial product in the marketplace, we're proud that the advice we provide as well as the advice we provide and the tools we develop are impartial, independent simple, and free. So how do we make money? Our partners compensate us. This may influence which products we write about (and where those products appear on the site) however it doesn't affect our suggestions or recommendations, which are grounded in thousands of hours of study. Our partners are not able to be paid to ensure positive ratings of their goods or services. .
How to Apply for 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 looking at loan options.
,
Updated on January 18, 2023
A majority of the items featured on this page are from our partners, who pay us. This impacts the types of products we write about and the location and manner in which the product appears on a page. However, this does not influence our evaluations. Our views are our own. Here is a list of and .
Steps to Take
Steps
The process of applying for a personal loan doesn't have to be difficult. Knowing where to begin, what you need to do in order to get a loan and how to evaluate deals can help you decide on the right one .
Here are the steps to assist you in the process of locating 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 an interest rate that is lower.
Credit scores usually fall in these categories.
720 and higher: Excellent credit.
690-719: Excellent credit.
630-689: Fair or average credit.
300-629: Bad credit.
Do you have a low-quality score? Fix any errors on your credit report which could be dragging down your score. It is possible to challenge missed payments incorrectly reported or other inaccuracies it may contain.
Be sure to make on-time payments on debts like credit cards and loan payments, and also keep your credit utilization (the quantity of credit that you utilize in relation to credit limits) low since these are the most significant factors that impact your credit score.
>What's your credit score?
2. Calculate your loan payments
Then, figure out how much amount of money you'll need to get from Then, determine the amount you'll need from a loan. It is important to ensure the amount is inclusive of any charges the lender could charge. , which range between 1% and 10 percent of the loan is usually subtracted from the loan proceeds.
Reviewing the loan amount and credit score will give you an idea of the monthly and annual installments you could receive from a personal loan.
The loan term also plays an important role in the amount a loan can cost. A longer loan term will mean smaller monthly payments, but you'll pay more in interest.
Use the calculator to view estimates of your monthly payments based upon your credit score, loan amount and loan term. The most effective personal loans come with monthly payments that can be easily incorporated into your budget.
From top to bottom
3. Pre-qualify for a loan
Pre-qualifying for a personal loan gives you a preview of what you might receive from lenders. Many online lenders and some banks perform a during pre-qualification process that doesn't affect the credit rating.
In the course of applying, you will generally provide details about yourself, like your name, date of birth or income, as well as the loan reason.
The process of prequalifying multiple lenders lets you evaluate estimated rates and payment amounts.
Find out if you're pre-qualified for a personal loan and not impact your score on credit.
Just answer a few questions to get personalized rates of our lenders.
Goal of loan Choose your option Debt Consolidation Home Improvement Medical Credit Card Consolidation Auto Motorbike Major Purchase Start a Business Education IRS Tax Debt Other
Loan amount
Credit score Select the option you want. Very Good Good Fair Poor
Status of employment Select your choice Full-time Part time Self-employed Unemployed Military Retired Other
See If You Pre-Qualify
To boost your chances of being accepted you might consider co-signing or . Adding someone with prime credit or a collateral asset can help you qualify or receive a lower interest cost. Be aware that both options carry implications for co-applicants as well as collateral if you fail to repay.
>> MORE:
Return to the top
4. Shop around and compare lenders.
You can get personal loans through online lenders, banks and credit unions. It is a good idea to shop around and compare loan amounts as well as monthly payments and interest rates from different lenders.
allow you to pre-qualify to apply, and then receive money online. Lenders like , and offer rapid funding and loans to people with credit scores of all the board.
Like, and provide unsecured personal loans, and existing customers can benefit from flexible loan conditions and rate reductions. If you've got good and excellent credit scores, check your current lender for offers.
may offer lower interest rates and flexible terms, particularly to those with bad credit. It's also the best option for loans of $2,500 or less. You have to be a member of the credit union in order to apply for the loan and be ready for an application which can cause you to see your score dip.
Individual loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
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 the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider 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.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $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 is based on the factors we believe 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 consumer-friendly, including the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined 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 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 determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to 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 aspects we consider to be beneficial to consumers, including impact to credit score, 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 formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 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 rate and fees, the customer experience and ethical lending practices.
APR Rates are based on 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 team. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's rating is 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, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and ethical lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's 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.
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, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe 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 rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees customers' experience, and ethical 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 staff. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Achieving
Attain
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 consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit scores rate and fees, customer 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 compiled by the editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 18.0-35.99 percent
The loan amount is $1,500 to $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score rate and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees customers' 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 beneficial to the consumer, including the impact on credit score, fees and rates, customer 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 rating is determined by our editorial team. The scoring algorithm takes into consideration 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.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates 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 takes into account 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 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 staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined 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, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were 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 responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial 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 ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' 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 were determined 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, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on Achieving
Reach your goals
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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider 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 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's rating is determined 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 rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, 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 beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
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, fees and rates as well as the customer's 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 is based on the factors we believe to be beneficial to consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score fees and rates customers' experience, and ethical 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 were determined by our editorial team. The scoring formula considers factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, the 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 determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial 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.
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 formula considers the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
Return to the top
5. Read the fine print
Before signing an loan make sure you go through the loan's terms and conditions and seek answers to your concerns. Particularly, look out for:
Fees. Penalties for prepayment -- or fees for repaying the loan early -- are very rare, but lenders can be charged additional fees, like origination and late payment fees.
Automatic withdrawals. If a lender is able to automatically withdraw loan checks from the checking account you have, think about creating a low balance alert with your bank to prevent overdraft charges.
APR surprises. The total amount of your loan including interest, as well as any origination fees, must be clearly disclosed and figured into the APR.
Also, search for lenders that offer the option of paying the 3 major credit agencies. They also allow borrowers to change their payment date or sending money borrowed directly to creditors who are owed the debt consolidation loans.
From top to bottom
6. Complete your application
After you've found the lender that best meets your requirements, you'll be able to apply make an application in writing . The requirements for applying can differ by bank, however you'll probably require:
Identification: A passport, driver's license State ID, Social Security card.
Verification of address Address verification: Utility bills or lease agreement.
Documentation of income: Pay stubs, bank statements , or tax returns.
The lender will conduct an extensive credit report which could temporarily lower your credit score by a few percentage points. It could show up in credit report reports over 24 months. Once you've been approved you'll get your loan according to the lender's terms, typically within a week. Once you have your funds set out a plan to repay your loan and .
If your application has been rejected:
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri-Wade covers personal loans for NerdWallet.
On a similar note...
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