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Top picks from our partners

As of December 2025, compare personal loans with APRs as low as 5.84%, loan amounts up to $250,000 and same-day funding options available.

Best for fast funding

(110 reviews)

96%

would recommend

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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; Midland States 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 $2,000 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 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. 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. Your funds can be available in as quick as the next business day after approval. Loan sizes range from $2,000 to $30,000 and you can repay the loan in two to six years.

Pros and cons

Accessibility for fair-credit borrowers
Quick loan funding
Prequalification with no hard credit check

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

Best for small amounts

(477 reviews)

96%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.45 - 33.64%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $1,731

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 7.99%-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 your borrowing needs are too low for other lenders’ minimums. Upgrade’s loan limit is $50,000, and you can pay back the debt over two to seven years. Funding can occur as soon as the day after approval and you can add a co-borrower.
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

(640 reviews)

94%

would recommend

See offers

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.

(574 reviews)

97%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	5.99 - 35.99%
Term	36 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$61 - $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 TrustScore as of June 2024. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. 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 6.99% APR has 36 scheduled monthly payments of $152.83. 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/

(1704 reviews)

97%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	5.84 - 32.39%
Term	36 - 60 mo
Loan amount	$1,000 - $60,000
Est. monthly payment	$30 - $2,030

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.

(112 reviews)

97%

would recommend

See offers

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.

(22 reviews)

95%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	11.11%
Term	12 - 60 mo
Loan amount	$1,000 - $10,000
Est. monthly payment	$88 - $218

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.

(61 reviews)

97%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.99 - 35.99%
Term	24 - 60 mo
Loan amount	$5,000 - $40,000
Est. monthly payment	$226 - $1,445

Loan details

Customize Your Payment
90% of loans are funded within 1 day^§
No pre-payment penalties
A+ BBB Rating
100% US Based Customer Service

Lender disclosure

All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply. All loans advertised are unsecured personal loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC, as creditor, on the Reach Financial platform. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, and the loan term you select. Fixed Annual Percentage Rates (APR) range from 14.30% to 35.99%. You could receive a loan of $10,000 with an interest rate of 13.65%, an origination fee of $400, for an APR of 15.49%, which would result in total payment of $13,852 with 60 monthly payments of $230.87. Total approved loan amount reflects origination fee, which ranges from 4% to 8%.

^§Within 24 hours of your loan approval, loan proceeds will be available to pay the creditors named on your Truth-In-Lending Disclosure.

(56 reviews)

82%

would recommend

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	8.69 - 24.99%
Term	60 - 120 mo
Loan amount	$20,000 - $250,000
Est. monthly payment	$412 - $5,686

Loan details

Maximum loan terms up to 10 years¹,² - Long loan terms can provide low monthly payments and more cash in your pocket.
Competitive, fixed rates - Keep your monthly payment consistent so you can plan ahead.
No impact on personal credit to apply³
An easier application process - Submit your request with minimal paperwork.
Approval in as little as 24 hours⁴ - A quick, hassle-free loan process means you can stay focused on what matters most.
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

Not all solutions, loan amounts, rates or terms are available in all states.

¹Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile.

²For example, if you request a $60,000 unsecured loan with an 84-month term and a 17.06% APR (which includes a 15.99% yearly interest rate and a 3% one-time origination fee), you would receive $58,200 and would have a required monthly payment of $1,191.38. Rates and terms are for illustrative purposes only and may vary based on creditworthiness and other factors. The APR includes the origination fee. Not all applicants will qualify for the lowest rate. Loan terms and availability are subject to change without notice. Loan amount may vary based upon request amount and cash to you.

³There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.

⁴This is not a guaranteed offer of credit and is subject to credit approval.

No application fees, commitment, or impact on personal credit to estimate your payment.

Personal loans funded by Pinnacle Bank, a Tennessee Bank or County Bank. Equal Housing Lenders.

For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

Advertised rates are subject to change without notice.

The APR and other loan terms presented are estimates only and not guaranteed.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

Google Play and the Google Play logo are trademarks of Google LLC.

Apple Store and the App Store logo are registered trademarks of Apple Inc.

(44 reviews)

98%

would recommend

See offers

Recommended FICO^® Score^Θ

Good - Exceptional

Est. APR	9.98 - 26.39%
Term	36 - 72 mo
Loan amount	$3,000 - $50,000
Est. monthly payment	$97 - $1,390

Loan details

APR: 9.98% - 26.39% for Personal Loans from $3,000 to $50,000^†
Put your debt in its place with a personal loan
No impact to your credit score for checking rates through Splash¹
Funding in as little as one business day for eligible applicants²
Apply to consolidate your debt with a personal loan and make one monthly payment.

Lender disclosure

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer. Rates offered through this link are specific to this website. Offers through the Splash website may include different offers from lending partners, that may include higher rates. This information is current as of October 1, 2025.

^†This is not a commitment to lend and the presented loan terms and Annual Percentage Rate (APR) are not guaranteed. Splash is a loan marketplace. If you submit a loan application you may receive offers from multiple lending partners. There is no fee or penalty for repaying a loan early. Personal loans have an origination fee of 3-29-7.99%, which may be deducted from the loan proceeds. Lowest rates are reserved for the highest qualified borrowers. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay reduction will not be applied if autopay is not in effect. Not all rates and amounts available in all states. Not all applicants will qualify for the full amount. Residents of Massachusetts have a minimum loan amount of $6,000; New Mexico and Ohio, $5,000; residents of Georgia have a minimum loan amount of $3,001.

To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors.

¹To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

²Once you have successfully completed the loan application process, it typically takes one to two business days to receive funds. However, funding may take up to two weeks.

Loans feature repayment terms of 36 to 72 months depending on the lender and your qualifications. For example, if you are approved for a $10,000 loan with a 60-month term and a fixed APR of 13.83% (which includes a 11.56% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $220.23.

(125 reviews)

85%

would recommend

See offers

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

See offers

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	8.47 - 33.64%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$32 - $1,731

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.

(982 reviews)

94%

would recommend

See offers

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.

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You could save up to $85* with a low, fixed-rate quick personal loan

	High-interest credit card	Quick loan
Balance	$1,000	$1,000
Monthly payment	$90 for 13 months	$90 for 12 months
Average interest rate	27.30%	14.48%
Total paid with interest	$1,166	$1,081
*Estimated interest savings: $85

Experian can help find the quick loan for you

It’s free

Check your loan options for free—it won’t hurt your credit scores.

Save on fees

Get matched to lenders that offer no application fees and no prepayment penalties. Look for these labels on your matched loan offers.

Great rates

We can help you get the the best rates and terms for the loan you’re looking for.

Get cash fast at competitive rates

Compare rates across multiple lenders and get your loan fast—with same-day funding available.

Get prequalified

Find out how much you can borrow before you apply. Getting prequalified gives you personalized loan estimates and helps you compare options.

Loans from $1,000 to $250,000

From getting a small loan to funding a big project that fits your budget and needs, Experian has you covered.

Why trust Experian for quick loans?

Shop trusted lenders all in one place

Experian vets and works with reputable lenders to provide you with your best options.

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Experian offers loan options tailored to your credit profile that can improve your chances for approval.

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How to get pre-qualified

Answer a few qualifying questions and get matched to your loans offers.^⍉

Determine how much you’ll need, then look for a loan that fits your budget.

Monitor your FICO^® Score progress as you make payments on your personal loan.

See your loan offers

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Frequently asked questions

There are a few factors that determine how quickly you can get a loan. It will depend on which lender you end up using, how early in the day you are approved and how you will be receiving your money. Generally, most lenders will be able to fund your loan within one day, and a few lenders will be able to fund it the same day if you are approved early on.

Getting prequalified only requires a soft credit pull, which will not affect your credit score. However, if you choose to proceed and submit an application for a loan, lenders will then request a full credit report which is considered a hard credit pull and could temporarily decrease your credit score by a few points.

If you make on-time payments on your quick loan, you could see an increase to your credit score overall.

Yes, you can get a quick loan with bad credit, but you may be limited in the number of lenders willing to approve you. You may also receive a loan with higher interest rates and fees. If you are not in urgent need of the loan, you may want to focus on improving your credit before borrowing money.

This can vary depending on a wide range of factors like your credit score, the lender and your income. We have quick loans starting from as low as $1,000 up to $250,000.

While quick loans can offer some fast relief, they also carry risks that can cause long-term financial trouble. This is why it is important to review your loan terms carefully and ensure that you will be able to make the payments as well as if borrowing the money will be worth it overall.

Quick loans can have high interest rates, especially for borrowers with lower credit scores. They can also come with high origination fees or other hidden fees such as prepayment fees, late fees and application fees.

If you’re finding that quick loans are too expensive to borrow, some alternatives can be:

Loans from friends or family
Payday alternative loans (PAL)
Applying for a loan with a cosigner to get a better rate

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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Quick loans

Top picks from our partners

Best for fast funding

Best for small amounts

You could save up to $85* with a low, fixed-rate quick personal loan

Experian can help find the quick loan for you

It’s free

Save on fees

Great rates

Get cash fast at competitive rates

Get prequalified

Loans from $1,000 to $250,000

Why trust Experian for quick loans?

Shop trusted lenders all in one place

Our model

Security

How to get pre-qualified

1Check rates with no impact to your FICO® ScoreΘ

2Choose the one for you

3Keep informed

Personal loan calculator

Frequently asked questions

How fast can I get a quick loan?

Do quick loans affect my credit?

Can I get a quick loan with bad credit?

How much can I borrow with a quick loan?

What are the risks of quick loans?

Are there any alternatives to quick loans?

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

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