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Compare $3,000 personal loans from our partners

As of February 2026, compare $3,000 personal loans with APRs as low as 6.7% and one-day funding options available.

Best for small amounts: Upgrade

(477 reviews)

96%

would recommend

View all offers from Upgrade

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.74 - 35.91%
Term	36 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $2,288

Loan details

Affordable loans from $10,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states. Upgrade is a financial technology company, not a bank. Personal loans issued by Upgrade's bank partners: https://www.upgrade.com/bank-partners/.

Why we picked it^†

An Upgrade personal loan can be as small as $1,000, making it worth considering if you need a $3,000 loan that’s too low for other lenders’ minimums. Upgrade’s loan limit is $50,000, and you can pay back the debt over 36 months. After approval, one-day funding options are available.
One major drawback to Upgrade is its origination fee, which is deducted from the loan proceeds. The lender’s interest rates are competitive but can be high if your credit is less than stellar.

Pros and cons

Low loan amounts
Offers prequalification
Quick funding

Has an origination fee
Not available in all states

Best for fast funding: LendingPoint

(112 reviews)

96%

would recommend

View all offers from LendingPoint

Recommended FICO^® Score^Θ

Fair - Good

Est. APR	7.99 - 35.99%
Term	24 - 48 mo
Loan amount	$2,000 - $30,000
Est. monthly payment	$90 - $1,187

Loan details

Loans from $2,000 to $36,500 and no prepayment penalties
Rates from 7.99% to 35.99% APR
Check your rate without impacting your credit score
Simple online application
Funds available as soon as the next business day upon approval
LendingPoint's innovative technology allows them to understand the individual creditworthiness of every applicant
Terms from 24 - 72 months
Fixed monthly payment and simple interest
LendingPoint has thousands of five-star reviews on Trustpilot
LendingPoint has an A+ rating from the Better Business Bureau

Lender disclosure

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 by LendingPoint over a period of 48 months that has an APR of 24.99% with an origination fee of 10% may have a payment of $331.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

Why we picked it^†

LendingPoint is an online lender that offers fast funding on loans for borrowers with fair credit. Loan sizes range from $2,000 to $30,000 and you can repay the loan in 24 to 48 months. After approval, one-day funding options are available.

Pros and cons

Accessibility for fair-credit borrowers
Quick loan funding
Offers prequalification

Potentially high interest rate
May charge an origination fee
Not available in all states

Best for peer-to-peer lending: Prosper

(114 reviews)

97%

would recommend

View all offers from Prosper

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	8.99 - 35.99%
Term	24 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$91 - $1,806

Loan details

More than $25 billion loans funded
Join America's first personal loan marketplace with over 1 million members
Next Day Funding - In as Little as One Business Day**
Get fixed monthly payments with no prepayment penalties

Lender disclosure

Terms presented, including APR and monthly payment amount, are estimated and created based on information entered by you and through analysis of historical data on loans through Prosper. Your eligibility for a loan and actual terms depend on the information you provide in your application, and other variables including, but not limited to, your credit score, Prosper Rating, loan amount, loan term, employment and income details, credit usage and history. Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. Your monthly payment amount may be different in the final month of your loan.

Personal loans through Prosper have an annual percentage rate ("APR") of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 16.66% and a 8.99% origination fee results in a 23.53% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $354.84. A five-year $10,000 personal loan with an interest rate of 18.73% and a 8.99% origination fee results in a 23.26% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $257.92. The average APR for loans with a 3-year term funded between January 1, 2025, and June 30, 2025, was 23.53%.

Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ.

You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank's transaction processing speed.

All personal loans made by WebBank.

Why we picked it^†

Prosper is unique for its peer-to-peer lending platform, which connects borrowers to investors who fund loans. Their model can lower barriers to applicants with less-than-perfect credit, and you’ll get your money quickly, with as little as one-day funding available. Overall, Prosper is a good choice for simple, flexible funds on a speedy timeline. Loans range from $2,000 to $50,000, and repayment terms are flexible, from 24 to 60 months.
Be aware that, while high credit can help you access competitive terms, Prosper’s rates go relatively high for low-credit borrowers. Prosper also charges an origination fee, but there are no prepayment penalties.

Pros and cons

Accessibility for a wide range of credit borrowers
Can apply with a co-borrower
Clear qualification requirements

Has an origination fee
High maximum interest rate
No grace period

Best for all credit score types: Upstart

(667 reviews)

94%

would recommend

View all offers from Upstart

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	6.70 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $1,806

Loan details

Loan amounts from $1,000 - $50,000
APRs from 6.7% - 35.99% with loan terms of 3 or 5 years
Won't affect your credit score
You can have funds in as fast as 1 day
You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.

Lender disclosure

This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate, loan amount, and loan terms are subject to change based upon information received in your full inquiry on our site. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the Upstart.com website. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000). The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. There may be an option to secure your personal loan through Upstart with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your promissory note for these details before accepting your loan.

Why we picked it^†

Upstart is an online lending platform that may place less importance on your credit score than other lenders. In addition to your credit, their unique approach considers your employment, education and banking history, which could make qualifying easier for some people.
You could get a $3,000 loan since loan sizes range from $1,000 to $50,000, and repay it over 36 to 60 months. Note that while this loan has no prepayment penalties, it has potentially high origination fees.

Pros and cons

Your credit score may be less of a factor in getting approved
Low minimum loan amount
Fast funding

Potentially high origination fees
Only two repayment terms available
No cosigners allowed

(592 reviews)

97%

would recommend

View all offers from Best Egg

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.99 - 35.99%
Term	36 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$62 - $1,806

Loan details

You could get money in your account in as little as one business day
With a fixed APR, your monthly payment will be the same
No pre-payment penalties if you choose to pay it down quicker
Trusted company with an A+ BBB rating and a 4.8/5 Trustpilot TrustScore‡

Lender disclosure

‡ TrustPilot Trust Score = 4.6*
*Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa,Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

(1752 reviews)

98%

would recommend

View all offers from LendingClub Bank

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.90 - 35.99%
Term	24 - 60 mo
Loan amount	$1,000 - $60,000
Est. monthly payment	$45 - $2,168

Loan details

LendingClub Bank offers loan amounts from $1,000 - $60,000, flexible terms, and no pre-payment penalties
Check your rate with no impact to your credit score¹
Fast Funding - Once your loan is approved for funding, we’ll pay your creditors directly or send the money in as little as 24 hours²

Lender disclosure

¹Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.

²Between Jan 2025 to June 2025, 55% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $17,413 for a term of 36 months, with an interest rate of 12.49% and a 6.00% origination fee of $1,045 for an APR of 16.86%. In this example, the borrower will receive $16,369 and will make 36 monthly payments of $582. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.90% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of Apr 22, 2025 and are subject to change without notice.

Loans are made by LendingClub Bank, N.A., Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of this platform, which is an unrelated third party (“third party”), and is not responsible for any products and services provided by this third party. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures. “LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.

(29 reviews)

90%

would recommend

View all offers from Zable Personal Loans

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	13.37 - 35.99%
Term	12 - 60 mo
Loan amount	$1,000 - $15,000
Est. monthly payment	$89 - $542

Loan details

Quick and easy online application. Most applications complete in less than 10 minutes.
No Prepayment Penalties
Zable loan offers are pre-approved, so what you see is what you get. Offer rates don’t change after application.
Same day ACH for applications approved before 3:30 pm EST.
Zable is rated excellent on Trustpilot.
Funds in as few as 5 days⁴ - No waiting for months on end for the funding you need.
No personal collateral required - Get funded without leveraging your personal assets.
Dedicated concierge service - Speak to highly trained loan specialists who are available around your busy schedule.
Simplified finances - Take advantage of affordable, extended-term¹ financing to pay down your debt and turn multiple bills into a single loan.
20+ years of lending experience - We understand your unique needs and will provide you with a fully tailored financial solution.

Lender disclosure

Approval is subject to Income and identity verification; fraud, credit, and bank account checks; and state law restriction. Credit checks include whether unsecured personal loans were found to be obtained within the past 90 days from this loan application. Bank accounts must have a positive balance on the information provided at the time of application and are subject to review.

This offer is conditioned upon your submission of a complete application, and our final approval based on our consideration and verification of financial and non-financial information. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, and resides in the US. Not all applicants will qualify. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you proceed with your application, we do another (hard) credit inquiry that may impact your credit score.

Zendable, LLC is registered in New York as Zendable of New York, LLC under the assumed name Zable. Zendable, LLC and Zable loans are made by Cross River Bank where APR is under 30% or New Horizon Bank, N.A., where APR is 30% or greater, Members FDIC, Equal Housing Opportunity Lenders. This is not a deposit product.

(223 reviews)

97%

would recommend

View all offers from Avant

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	9.95 - 35.95%
Term	24 - 60 mo
Loan amount	$2,000 - $35,000
Est. monthly payment	$92 - $1,264

Loan details

Personal loans from $2,000 to $35,000¹ entirely online
Checking your loan options will not affect your credit score
Funding as soon as next business day²
No collateral needed and customer support available 7 days a week

Lender disclosure

¹ Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99% with the lowest rates available only for the most creditworthy borrowers. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.

² Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.

Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.

New Mexico consumer brochure for common terms and definitions and regulations around rates and fees.

Avant branded credit products are issued by WebBank.

(134 reviews)

85%

would recommend

View all offers from Reprise Financial

Recommended FICO^® Score^Θ

Poor - Good

Est. APR	9.99 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $35,000
Est. monthly payment	$32 - $1,264

Loan details

Affordable loans from $1,000 to $35,000 with low fixed rates from 9.99% to 35.99% APR
Consolidate your debt, reduce your monthly payments or get cash back to use for just about anything
Simplify your financial picture with fixed rates, payments that stay the same, clear terms, and no prepayment penalties
Easy online account management with dedicated specialists standing by to answer your questions

Lender disclosure

Reprise Financial branded credit products are originated by WebBank in select states. To qualify for this offer you must apply and continue to meet the criteria used to select you for this offer. Your loan terms and loan approval depend on your credit history, proof of sufficient income to pay your bills (including this loan), banking history, and, for certain applicants, your ability to provide sufficient collateral. The loan offer amount is inclusive of the amount financed and any applicable fees. Loan fees (including origination fees) differ by state. Loans terms typically range from 36 to 60 months with Annual Percentage Rates (APRs) between 9.99 to 35.99%. The minimum loan amount in GA is $3,500. In all other states, the minimum loan amount is $2,500. Loan proceeds may not be used to finance gambling, illegal activity, commercial activity, or post-secondary educational expenses as defined by Regulation Z. If your loan is funded by 3pm CST (not including weekends or holidays) you will receive your funds the next business day. Interest on your loan will begin to accrue the first business day after your loan funds. Both unsecured and loans secured by your vehicle are provided. Not all applicants will qualify for unsecured loans. Loans secured by an automobile may not be available to borrowers covered by the Military Lending Act. If you apply for a loan, Reprise Financial will contact you on the phone number provided to discuss the application and your submission of an application affirms your consent to be contacted by Reprise Financial, including through an automated telephone dialing system.

Example Loan: A $9,000 personal loan with a 25% APR that is repayable in 48 monthly installments would have monthly payments of $298.73.

(40 reviews)

97%

would recommend

View all offers from Universal Credit

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	11.69 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$33 - $1,806

Loan details

Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Repayment terms from 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.

(1020 reviews)

94%

would recommend

View all offers from OneMain Financial

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	18.00 - 35.99%
Term	36 - 60 mo
Loan amount	$1,500 - $20,000
Est. monthly payment	$54 - $723

Loan details

BBB Accredited Business, Rated Excellent on Trustpilot (100,000+ 5-star reviews)
100+ years responsible lending
Affordable, simple fixed terms, no prepayment penalty
Complete our online application in minutes
Money as fast as 1 hour after loan closing (see details below)
We’re here online or in person at over 1,300 community branches nationwide

Lender disclosure

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral. Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07. OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees. Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options. Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

How to find the best personal loan for you

Know your FICO^® Score^Θ

It plays a big role in the personal loans you’re likely to qualify for, and the rates and terms you might get.

Compare loan options

Determine how much you’ll need, then look for a low APR and monthly payment that fits your budget.

Look for extra benefits

Consider lender-specific perks, like getting a reduced interest rate if you set up autopay.

Get pre-qualified

Once you find a personal loan to apply for, pre-qualifying first can tell you if you’re likely to be approved.

No impact to your credit scores if you’re not approved

Experian’s No Ding Decline™^⊛

When applying for a loan, most lenders will perform a hard inquiry on your credit report which can negatively impact your credit scores. With Experian’s No Ding Decline, only a soft inquiry is performed when applying for loans labeled No Ding Decline, so if you are declined there is no impact to your credit scores.

See your loan options

You could save up to $453* with a low, fixed-rate $3,000 loan

	High-interest credit card	$3,000 loan
Balance	$3,000	$3,000
Monthly payment	$164 for 24 months	$145 for 24 months
Average interest rate	27.30%	14.48%
Total paid with interest	$3,926	$3,473
*Estimated interest savings: $453

Personal loan calculator

Use this calculator to compare loan amounts, rates, and terms to estimate what you’ll pay for your loan.

Frequently asked questions

Your monthly payment for a $3,000 loan will depend on the term length and interest rate lenders offer based on your creditworthiness. You can use the personal loan calculator above to get an estimate of what your monthly payment would be.

For example, a $3,000 loan with a 10% interest rate and a term length of 60 months would have a monthly payment of $63.74.

Yes, you can still get a $3,000 loan with bad or no credit. However, unless you are in an emergency situation, we advise borrowers with bad credit to improve their credit first if possible to avoid higher interest rates and fees on their loan.

Most lenders offer funding within 24 hours of being approved for your $3,000 loan. Lenders will generally be able to tell you how fast you can expect to receive your funds if you ask. If you are in quick need of cash be sure that you are working with a lender that will fit your timeline.

The credit score requirement for approval on a $3,000 loan will vary by lender, but certain lenders will work with borrowers who have credit scores as low as 580 or even no credit history. Make sure to review all the loan terms before accepting the loan, as these loans for lower credit borrowers typically have higher interest rates and fees.

A $3,000 loan is very flexible and can be used for nearly anything. We advise you to think about the pros and cons of borrowing money in your financial situation and get a loan only if necessary. A few examples of responsible uses of personal loans are:

Emergency expenses
Debt consolidation
Home repairs
Medical bills
Large purchases

Lenders sometimes charge fees to cover the costs of reviewing, underwriting and servicing your loan. These fees can vary depending on the lender, so it’s important to review all loan fees as they drive up the overall cost of borrowing money. Common fees to look out for are:

Origination fee: This is usually a percentage of the amount you borrow and varies from lender to lender.
Late fee: Late fees are charged if you don’t make your payment by the due date. They can be a flat rate or a percentage of the amount you owe.
Nonsufficient funds (NSF) fee: If you try to make a payment and don’t have enough money in your account, you may be charged a nonsufficient funds fee.
Application fee: This is a flat charge that covers the upfront cost the lender incurs to process your loan application. It may not be refundable even if you are denied your loan.

Yes, personal loans for small amounts are generally better than taking out a cash advance or payday loan. Personal loans have lower interest rates, fewer fees and better repayment terms than cash advances and payday loans. Using a cash advance or payday loan often means extremely high fees and short repayment periods that can lead to a cycle of debt.

Payday loans are capped at $300 to $1,000, depending on the state you live in. For a $1,000 loan, you could save up to 73% (or $220) in additional costs by choosing a personal loan.

	Personal Loan	Payday Loan
Payment schedule	$90 per month for 12 months	$1,150 to $1,300 lump sum after 2 weeks
Total interest and fees	$80	$150 to $300

If you are unable to pay the full payday loan amount, you could quickly increase the amount you owe by rolling over debt. You could incur up to an extra $7,800 by extending a payday loan for a full year without paying down the principal.

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Frequently asked questions

How much will a $3,000 loan cost per month?

Can I get a $3,000 loan with bad or no credit?

How long will it take to receive the funds for my $3,000 loan?

What credit score do I need for a $3,000 loan?

What can I use my $3,000 loan for?

What fees should I watch out for?

Are personal loans for small amounts better than a cash advance or payday loan?

Learn more about personal loans

6 Personal Loan Requirements to Know Before You Apply

What Credit Score Is Needed for a Personal Loan?

Personal Loan vs. Credit Card: What’s the Difference?

What's the Smallest Personal Loan I Can Get?

How to Get a Personal Loan With No Credit Check

7 Alternatives if You Can’t Qualify for a Personal Loan

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