Applying for a personal loan only takes a few minutes. Personal loans are issued based on your creditworthiness. Usually we’ll notify you with your loan approval status in less than a minute. If you’re approved, electronic funding of your account can take between one and four days.
Personal Loan Calculator
Estimate your monthly payment with this loan calculator.
Please fix the following items to continue:
- Enter any valid 5-digit ZIP Code.
- Enter an amount to borrow.
- Enter a term length.
- Choose a credit score range.
Get answers to your frequently asked questions.
When you’re ready to apply for a personal loan, you’ll need:
- Social Security number (SSN)
- Home address
- Employment information
If you have a lower credit score, qualifying for a personal loan may take some extra work.
Before you apply for any loans, here are some steps to take.
- Check your credit score and report. Many banks and financial institutions offer free credit score access. You can also check your credit report once a year for free via annualcreditreport.com.to make sure its accurate and review any negative marks.
- Compare lenders. Different lenders have different credit score requirements.
- Find a co-signer. By co-signing, the other person agrees to pay back the loan if you can’t, and their credit score and history can help you qualify.
- Prequalify, or check you rate. This will tell you what your loan amount, rate and repayment terms could look like before you apply, without impacting your credit score.
