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How do I apply to get a personal loan
Advertiser disclosure You're our first priority. Everytime. We believe that every person should be able make financial decisions with confidence. Although our site does not include every company or financial product available in the marketplace, we're proud of the advice we offer, the information we provide and the tools we create are objective, independent simple, and cost-free. How do we earn money? Our partners pay us. This could influence the types of products we review and write about (and where those products appear on our website) however it doesn't affect our advice or suggestions, which are grounded in many hours of study. Our partners are not able to pay us to guarantee favorable ratings of their goods or services. .
How to Apply for Personal Loans
The process of applying for a loan begins by assessing your credit score and pre-qualifying to compare personal loan offers.
,
Last updated on Jan 19, 2023
The majority or all of the products we feature are from our partners who compensate us. This impacts the types of products we write about as well as the place and way the product appears on the page. However, this does not affect our assessments. Our opinions are our own. Here's a list of and .
How to apply to get a personal loan Show More
The process of applying for a personal loan could be daunting If you aren't sure how to start or what you'll require.
Below are five steps as well as common questions to help you navigate the process of applying for and selecting the right one most suitable option for your financial needs.
Step 1: Review your credit report.
Start the process by checking your credit. The rate of interest and loan amount you are granted depend a lot upon your score on credit. Therefore, reviewing your credit report lets you find and correct any errors -- such as an incorrectly reported late payment -- and strengthen your score before applying for an individual loan.
What does my credit score impact personal loan offers?
Goodor excellent credit borrowers (those who have scores of 690 or above) generally receive lower interest rates, and also have a greater range of lenders to select from. On the other hand bad- and fair-credit borrowers (scores of 300 to 689) could have fewer options and may pay higher rates for interest.
What can I do to check my credit score for free?
You can get a and report with NerdWallet. You can also request for free information on your credit from three credit bureaus that are the largest by using .
Step 2: Qualify for a pre-qualification, and compare offers
provides you with a glimpse of the estimated rates for monthly payments, terms and rates prior to submitting an application. The majority of lenders permit prospective customers to be pre-qualified on their websites. , including banks, online lenders and credit unions, in order to identify the right loan to suit your needs.
Find out if you're pre-qualified for an individual loan and not impact your score on credit.
Answer a few simple questions to get a personalized rate from our lending partners.
Goal of loan Choose your option Consolidation of Debt Medical Home Improvement Credit Card Consolidation Auto Motorbike Major Purchase Start a Business Education IRS Tax Debt Other
The amount of the loan
Credit score Select your option Good Good Fair Poor
Your employment status Choose your option Full-time Part-time Self-employed unemployed military Retired Other
Find out if you're pre-qualified
Will pre-qualifying affect my credit score?
Pre-qualifying for a personal loan will require a soft inquiry, and doesn't affect the score of your credit.
What do I need to pre-qualify for an individual loan?
In order to be considered for pre-qualification, you'll have to submit information such as:
Loan purpose. can be used for almost everything, and lenders will inquire what you plan to do with the loan.
Requested loan amount. The majority of lenders offer personal loans from $1,000 to $50,000.
Preferred loan term. Personal loans typically have monthly payments spread over two- to seven-year periods.
Personal and financial data. It could include your email address, name as well as your date of birth, address, income, as well as Social Security number.
If you're not able to qualify for an loan by yourself think about a . A person with a high credit rating and a better income could aid in getting approved and lower your rate. But keep in mind that a co-borrower or co-signer is held financially responsible if you are unable to pay back your loan.
>> MORE:
How is the time it will take to pre-qualify?
The process of pre-qualifying could take only a few minutes after you have submitted your details. If you are eligible for a loan offer, the lender will show the potential rates and terms you can choose from.
Step 3: Choose your bank and loan
With a variety of lenders offering loans it can be difficult to determine which loan to select. Here are a few ways to assess the various loan options:
APR: The APR is your total borrowing cost and includes your interest rate and all additional charges. The lower APR, the lower costs of your loan.
Loan term: The loan term is how long you will be paying off the loan. A longer term can make your monthly payments cheaper but you might end up paying more interest than a shorter-term loan.
Charges: Certain lenders have additional charges which add to the cost of the loan. Check if the loans have an or the possibility of a penalty for prepayment in case you wish to pay the loan in a shorter time.
Monthly payments: Check your monthly payments and make sure that you can comfortably afford the loan within your budget.
Benefits and Features: Determine those features that matter to you, like flexibility in payment choices, aid in building credit, or direct payment to creditors if you're consolidating debt. Benefits such as monthly payment assistance in the event of unemployment can to ease your burden.
>> MORE:
Personal loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score fees and rates customers' experience, and responsible lending practices.
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 ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are compiled by our editorial staff. 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, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, the customer experience and responsible lending practices.
APR 7.74-17.99%
The loan amount is $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 is based on factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on Upstart
Upstart
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 rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores rate and fees, customer service and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
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, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible 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 ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores 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 consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on Upgrade
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees as well as the customer's experience and responsible 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 are determined by our editorial staff. The scoring formula considers 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.
4.5 NerdWallet's ratings were determined 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 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Achieve
Achieve
5.0 NerdWallet's ratings are determined 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 customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact on credit score, rates and fees 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 OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates, customer 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 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 6.5-35.99 percent
Amount of loan: $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 algorithm takes into consideration 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 staff. The scoring formula considers factors we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled 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 customers' 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, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score rate and fees 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 takes into account the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Achieve
Attain
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible 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 determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers factors we consider to be consumer-friendly, including impact on credit score, rates and fees as well as the customer's 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 ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, 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 compiled by our editorial staff. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit scores fees and rates customers' experience, and ethical lending practices.
APR Rates are based on 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 team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, such as impact to credit score rate and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
Step 4: Gather loan documents
After you've picked the loan that has the right rate and term that will best suit your needs, it's time to complete the application.
What information do I need to submit for the loan application?
You'll need to submit one or all of these:
Identification proof, such as a government-issued ID, recently issued utility bills or lease agreements.
Proof of address.
Employment proof.
Your education history that includes the highest level of education you've obtained and your graduation date.
Information about income, such as bank statements or pay stubs, as well as other income sources like pension, alimony, or child support.
Social Security number even if it was not submitted in the pre-qualification.
In the event that you are a co-borrower for the personal loan application, they will need to submit similar documents to confirm their identity, address and income details.
Step 5 Step 5: Submit your application to get funded
Carefully read the loan's terms and conditions, and then send your application.
A loan agreement sets out the mutually agreed upon loan amount, interest rate and terms. It also authorizes the lender to confirm the accuracy of your personal information and to pull your credit reports.
How will my loan application affect my credit score?
Submitting the formal loan application results in cutting 5 points from your credit score and staying in your credit file over two years.
How long will it take in order for me to have my proposal considered?
If all goes well, you could receive approval on the same day. If the lender requests additional documents, approval may take longer.
How do I get funding?
Once you've been accepted and have signed the loan agreement, the time you receive the money will depend on the lender you select. Many online lenders can provide same-day funding, while some banks might be able to get the funds available to you within five days or earlier.
>> MORE:
Once you receive funding then you can expect the initial loan repayment to come due in 30 days. If you've opted into automatic bank payments, your funds will be debited from the account you provided. Add your monthly payment amount to your budget .
The authors' bio: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade is the private loans in NerdWallet.
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Advertiser disclosure You're our first priority. Everytime. We believe that every person should be able make financial decisions with confidence. Although our site does not include every company or financial product available in the marketplace, we're proud of the advice we offer, the information we provide and the tools we create are objective, independent simple, and cost-free. How do we earn money? Our partners pay us. This could influence the types of products we review and write about (and where those products appear on our website) however it doesn't affect our advice or suggestions, which are grounded in many hours of study. Our partners are not able to pay us to guarantee favorable ratings of their goods or services. .
How to Apply for Personal Loans
The process of applying for a loan begins by assessing your credit score and pre-qualifying to compare personal loan offers.
,
Last updated on Jan 19, 2023
The majority or all of the products we feature are from our partners who compensate us. This impacts the types of products we write about as well as the place and way the product appears on the page. However, this does not affect our assessments. Our opinions are our own. Here's a list of and .
How to apply to get a personal loan Show More
The process of applying for a personal loan could be daunting If you aren't sure how to start or what you'll require.
Below are five steps as well as common questions to help you navigate the process of applying for and selecting the right one most suitable option for your financial needs.
Step 1: Review your credit report.
Start the process by checking your credit. The rate of interest and loan amount you are granted depend a lot upon your score on credit. Therefore, reviewing your credit report lets you find and correct any errors -- such as an incorrectly reported late payment -- and strengthen your score before applying for an individual loan.
What does my credit score impact personal loan offers?
Goodor excellent credit borrowers (those who have scores of 690 or above) generally receive lower interest rates, and also have a greater range of lenders to select from. On the other hand bad- and fair-credit borrowers (scores of 300 to 689) could have fewer options and may pay higher rates for interest.
What can I do to check my credit score for free?
You can get a and report with NerdWallet. You can also request for free information on your credit from three credit bureaus that are the largest by using .
Step 2: Qualify for a pre-qualification, and compare offers
provides you with a glimpse of the estimated rates for monthly payments, terms and rates prior to submitting an application. The majority of lenders permit prospective customers to be pre-qualified on their websites. , including banks, online lenders and credit unions, in order to identify the right loan to suit your needs.
Find out if you're pre-qualified for an individual loan and not impact your score on credit.
Answer a few simple questions to get a personalized rate from our lending partners.
Goal of loan Choose your option Consolidation of Debt Medical Home Improvement Credit Card Consolidation Auto Motorbike Major Purchase Start a Business Education IRS Tax Debt Other
The amount of the loan
Credit score Select your option Good Good Fair Poor
Your employment status Choose your option Full-time Part-time Self-employed unemployed military Retired Other
Find out if you're pre-qualified
Will pre-qualifying affect my credit score?
Pre-qualifying for a personal loan will require a soft inquiry, and doesn't affect the score of your credit.
What do I need to pre-qualify for an individual loan?
In order to be considered for pre-qualification, you'll have to submit information such as:
Loan purpose. can be used for almost everything, and lenders will inquire what you plan to do with the loan.
Requested loan amount. The majority of lenders offer personal loans from $1,000 to $50,000.
Preferred loan term. Personal loans typically have monthly payments spread over two- to seven-year periods.
Personal and financial data. It could include your email address, name as well as your date of birth, address, income, as well as Social Security number.
If you're not able to qualify for an loan by yourself think about a . A person with a high credit rating and a better income could aid in getting approved and lower your rate. But keep in mind that a co-borrower or co-signer is held financially responsible if you are unable to pay back your loan.
>> MORE:
How is the time it will take to pre-qualify?
The process of pre-qualifying could take only a few minutes after you have submitted your details. If you are eligible for a loan offer, the lender will show the potential rates and terms you can choose from.
Step 3: Choose your bank and loan
With a variety of lenders offering loans it can be difficult to determine which loan to select. Here are a few ways to assess the various loan options:
APR: The APR is your total borrowing cost and includes your interest rate and all additional charges. The lower APR, the lower costs of your loan.
Loan term: The loan term is how long you will be paying off the loan. A longer term can make your monthly payments cheaper but you might end up paying more interest than a shorter-term loan.
Charges: Certain lenders have additional charges which add to the cost of the loan. Check if the loans have an or the possibility of a penalty for prepayment in case you wish to pay the loan in a shorter time.
Monthly payments: Check your monthly payments and make sure that you can comfortably afford the loan within your budget.
Benefits and Features: Determine those features that matter to you, like flexibility in payment choices, aid in building credit, or direct payment to creditors if you're consolidating debt. Benefits such as monthly payment assistance in the event of unemployment can to ease your burden.
>> MORE:
Personal loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score fees and rates customers' experience, and responsible lending practices.
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 ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are compiled by our editorial staff. 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, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, the customer experience and responsible lending practices.
APR 7.74-17.99%
The loan amount is $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 is based on factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on Upstart
Upstart
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 rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores rate and fees, customer service and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
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, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible 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 ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores 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 consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on Upgrade
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees as well as the customer's experience and responsible 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 are determined by our editorial staff. The scoring formula considers 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.
4.5 NerdWallet's ratings were determined 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 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Achieve
Achieve
5.0 NerdWallet's ratings are determined 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 customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact on credit score, rates and fees 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 OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and ethical lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates, customer 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 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 6.5-35.99 percent
Amount of loan: $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 algorithm takes into consideration 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 staff. The scoring formula considers factors we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled 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 customers' 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, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score rate and fees 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 takes into account the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Achieve
Attain
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible 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 determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers factors we consider to be consumer-friendly, including impact on credit score, rates and fees as well as the customer's 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 ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, 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 compiled by our editorial staff. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit scores fees and rates customers' experience, and ethical lending practices.
APR Rates are based on 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 team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, such as impact to credit score rate and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
Step 4: Gather loan documents
After you've picked the loan that has the right rate and term that will best suit your needs, it's time to complete the application.
What information do I need to submit for the loan application?
You'll need to submit one or all of these:
Identification proof, such as a government-issued ID, recently issued utility bills or lease agreements.
Proof of address.
Employment proof.
Your education history that includes the highest level of education you've obtained and your graduation date.
Information about income, such as bank statements or pay stubs, as well as other income sources like pension, alimony, or child support.
Social Security number even if it was not submitted in the pre-qualification.
In the event that you are a co-borrower for the personal loan application, they will need to submit similar documents to confirm their identity, address and income details.
Step 5 Step 5: Submit your application to get funded
Carefully read the loan's terms and conditions, and then send your application.
A loan agreement sets out the mutually agreed upon loan amount, interest rate and terms. It also authorizes the lender to confirm the accuracy of your personal information and to pull your credit reports.
How will my loan application affect my credit score?
Submitting the formal loan application results in cutting 5 points from your credit score and staying in your credit file over two years.
How long will it take in order for me to have my proposal considered?
If all goes well, you could receive approval on the same day. If the lender requests additional documents, approval may take longer.
How do I get funding?
Once you've been accepted and have signed the loan agreement, the time you receive the money will depend on the lender you select. Many online lenders can provide same-day funding, while some banks might be able to get the funds available to you within five days or earlier.
>> MORE:
Once you receive funding then you can expect the initial loan repayment to come due in 30 days. If you've opted into automatic bank payments, your funds will be debited from the account you provided. Add your monthly payment amount to your budget .
The authors' bio: Jackie Veling covers personal loans for NerdWallet.
Ronita Choudhuri-Wade is the private loans in NerdWallet.
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