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How to Apply for a Personal Loan in just 6 Steps
Advertiser disclosure You're our first priority. Everytime. We believe that everyone should be able to make financial decisions without hesitation. While our website does not feature every business or financial product that is available in the marketplace, we're proud that the guidance we offer, the information we provide and the tools we develop are objective, independent easy to use and completely free. So how do we earn money? Our partners pay us. This may influence which products we write about (and the way they appear on the website) However, it does not affect our recommendations or advice, which are grounded in hundreds of hours of study. Our partners are not able to promise us favorable reviews of their products or services. .
How to Get a Personal loan in just 6 steps
A personal loan starts by assessing your credit score, getting pre-qualified and looking at loan options.
,
Updated on January 18, 2023.
The majority or all of the items featured on this page come from our partners who compensate us. This affects the products we review and the location and manner in which the product is featured on the page. However, this does not affect our opinions. Our opinions are entirely our own. Here's a list of and .
Steps to Take
Steps
The process of applying for a personal loan does not have to be complicated. Understanding where to start with, what you'll need to know to do in order to get a loan and how to compare offers can help you select the best option for you .
Here are six steps to guide you through the process of locating and obtaining a personal loan.
1. Check your credit score
Check your credit score first to assess your financial picture. A good credit score can get you a for a personal loan as well as an interest rate that is lower.
Credit scores usually fall in these categories.
720 and higher: Excellent credit.
690-719: Credit score of good.
630-689: Fair or average credit.
300-629: Credit problems.
Looking at a less-than-friendly score? Make any corrections that are on your report which could have a negative effect on your score. You can request a and contest missed payments that were incorrectly reported or other mistakes it could contain.
Be sure to make timely payments on debts like credit cards and loan payment, and ensure that your credit utilization (the amount of credit you utilize in relation to your credit limits) low since these are the most significant factors affecting your credit score.
>How's your credit?
2. Calculate your loan payments
Then, you should determine the amount of cash you'll require from Then, determine the amount you'll need from a loan. It is important to ensure that amount includes any fees the lender may charge. The fees, which vary from 1% to 10 percent of the loan and are usually taken from the loan proceeds.
Examining the loan amount and credit score will give you a better idea of the monthly payment you may receive for a personal loan.
The loan term also plays a factor in how much a loan will cost. A longer loan term will mean lower monthly payments, but you'll pay more in interest.
Use the calculator below to see estimates of your monthly payments based upon the credit rating of yours, loan amount and loan duration. The best personal loans have monthly payments that can be easily incorporated into your budget.
From top to bottom
3. Get pre-qualified for a loan
Being prequalified for personal loan provides you with a glimpse of what you might receive from lenders. A lot of online lenders and banks conduct a pre-qualification that doesn't affect your credit score.
When applying for a loan, you are required to generally provide details about yourself, like your name, birth date, income and loan goal.
By pre-qualifying for multiple lenders, you evaluate estimated rates and payment amounts.
See if you pre-qualify for a personal loan and not impact your credit score.
Just answer a few questions to get a personalized rate of our lenders.
Goal of loan Choose your option Consolidation of Debt Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a Business IRS Tax Debt Other
The amount of the loan
Credit score Choose your choice Good Good Fair Poor
Your employment status Choose your option Full-time Part time Self-employed Unemployed Military Retired Other
See If You Pre-Qualify
To boost your chances of being accepted, consider a co-signed or . Adding someone with prime credit or using an asset as collateral may help you qualify or obtain a lower rate. Be aware that both options carry negative consequences on the applicant and collateral in the event that you do not repay.
>> MORE:
Back to top
4. Shop around and compare lenders.
You can get personal loans through banks, online lenders, as well as credit unions. It is a good idea to look around and compare loan amounts as well as monthly payments and interest rates of various lenders.
let you pre-qualify for loans, apply and get funds online. They are lenders who appreciate , and offer quick financing and loans to people with credit scores of all the spectrum.
Like, and provide such as, and provide loans, and existing customers can get flexible loan terms and rate discounts. If you've got decent and excellent credit scores, check your current bank for special offers.
could offer lower interest rates and more flexible terms, especially to people with poor credit. It's also the best option to get a loan of the amount of $2,500 or less. You must be a member at the credit union in order to apply for the loan and be ready for an application which can cause the credit score of your dip.
Individual loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
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, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and responsible 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 are 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 customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
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 aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as the impact on credit scores rates and fees, the customer experience and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
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 impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, the customer experience and ethical lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
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 as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and responsible lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects 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.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account 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.
4.5 NerdWallet's ratings are determined 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, rates and fees, customer experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
On Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to 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 algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the 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 customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
APR 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
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 scores rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to 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 Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider 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.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Achieving
Attain
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible 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 staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score rate and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, rates and fees, 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 are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers 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.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are 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, rates and fees, customer experience and responsible 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 staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were 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, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
On Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including 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 a good choice for consumers, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' 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 compiled by our editorial staff. The scoring formula considers the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider 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.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and responsible 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 rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to 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 takes into account the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and responsible 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 algorithm takes into consideration the factors we believe to be consumer-friendly, including impact on 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 team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
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 the 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 staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' 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 staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
Back to top
5. Take a look at the fine print
Before you sign an loan make sure you go through the loan's terms and conditions and seek answers to any questions you may have. Be sure to look for:
Fees. Penalties for prepayment -- or fees for paying off the loan early rare, but lenders may charge additional fees, such as late payment and origination charges.
Automated withdrawals. If a lender is able to automatically withdraw loan payments from your checking account, think about creating a low balance alert with your bank to avoid overdraft fees.
APR surprises. The total amount of your loan including interest and any origination fees, must be disclosed clearly and factored in the APR.
In addition, you should look for lenders that provide services the option of reporting payments to the 3 major credit agencies, and allowing borrowers to change their payment dates or send borrowed funds directly to creditors who are owed the debt consolidation loans.
Return to the top
6. Complete your application
Once you've selected the right lender for your requirements, you'll need to apply formally . It is possible to apply for a loan with different requirements depending on the company, but it's most likely need:
Identification: A passport driver's license, driver's licence State ID, Social Security card.
Verification of address The proof of address is a utility bill or lease agreements.
Documentation of income such as pay stubs, bank statements or tax returns.
The lender will conduct an investigation of your credit which could temporarily lower your credit score by a few percentage points. It can be reported on credit reports for up to 24 months. After approval you'll be able to receive your loan in accordance with the lender's terms, typically within a week. Once you have your funds, make a plan to repay the loan and .
>> If your application has been rejected:
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri is the person who handles individual loans in NerdWallet.
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Advertiser disclosure You're our first priority. Everytime. We believe that everyone should be able to make financial decisions without hesitation. While our website does not feature every business or financial product that is available in the marketplace, we're proud that the guidance we offer, the information we provide and the tools we develop are objective, independent easy to use and completely free. So how do we earn money? Our partners pay us. This may influence which products we write about (and the way they appear on the website) However, it does not affect our recommendations or advice, which are grounded in hundreds of hours of study. Our partners are not able to promise us favorable reviews of their products or services. .
How to Get a Personal loan in just 6 steps
A personal loan starts by assessing your credit score, getting pre-qualified and looking at loan options.
,
Updated on January 18, 2023.
The majority or all of the items featured on this page come from our partners who compensate us. This affects the products we review and the location and manner in which the product is featured on the page. However, this does not affect our opinions. Our opinions are entirely our own. Here's a list of and .
Steps to Take
Steps
The process of applying for a personal loan does not have to be complicated. Understanding where to start with, what you'll need to know to do in order to get a loan and how to compare offers can help you select the best option for you .
Here are six steps to guide you through the process of locating and obtaining a personal loan.
1. Check your credit score
Check your credit score first to assess your financial picture. A good credit score can get you a for a personal loan as well as an interest rate that is lower.
Credit scores usually fall in these categories.
720 and higher: Excellent credit.
690-719: Credit score of good.
630-689: Fair or average credit.
300-629: Credit problems.
Looking at a less-than-friendly score? Make any corrections that are on your report which could have a negative effect on your score. You can request a and contest missed payments that were incorrectly reported or other mistakes it could contain.
Be sure to make timely payments on debts like credit cards and loan payment, and ensure that your credit utilization (the amount of credit you utilize in relation to your credit limits) low since these are the most significant factors affecting your credit score.
>How's your credit?
2. Calculate your loan payments
Then, you should determine the amount of cash you'll require from Then, determine the amount you'll need from a loan. It is important to ensure that amount includes any fees the lender may charge. The fees, which vary from 1% to 10 percent of the loan and are usually taken from the loan proceeds.
Examining the loan amount and credit score will give you a better idea of the monthly payment you may receive for a personal loan.
The loan term also plays a factor in how much a loan will cost. A longer loan term will mean lower monthly payments, but you'll pay more in interest.
Use the calculator below to see estimates of your monthly payments based upon the credit rating of yours, loan amount and loan duration. The best personal loans have monthly payments that can be easily incorporated into your budget.
From top to bottom
3. Get pre-qualified for a loan
Being prequalified for personal loan provides you with a glimpse of what you might receive from lenders. A lot of online lenders and banks conduct a pre-qualification that doesn't affect your credit score.
When applying for a loan, you are required to generally provide details about yourself, like your name, birth date, income and loan goal.
By pre-qualifying for multiple lenders, you evaluate estimated rates and payment amounts.
See if you pre-qualify for a personal loan and not impact your credit score.
Just answer a few questions to get a personalized rate of our lenders.
Goal of loan Choose your option Consolidation of Debt Medical Home Improvement Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a Business IRS Tax Debt Other
The amount of the loan
Credit score Choose your choice Good Good Fair Poor
Your employment status Choose your option Full-time Part time Self-employed Unemployed Military Retired Other
See If You Pre-Qualify
To boost your chances of being accepted, consider a co-signed or . Adding someone with prime credit or using an asset as collateral may help you qualify or obtain a lower rate. Be aware that both options carry negative consequences on the applicant and collateral in the event that you do not repay.
>> MORE:
Back to top
4. Shop around and compare lenders.
You can get personal loans through banks, online lenders, as well as credit unions. It is a good idea to look around and compare loan amounts as well as monthly payments and interest rates of various lenders.
let you pre-qualify for loans, apply and get funds online. They are lenders who appreciate , and offer quick financing and loans to people with credit scores of all the spectrum.
Like, and provide such as, and provide loans, and existing customers can get flexible loan terms and rate discounts. If you've got decent and excellent credit scores, check your current bank for special offers.
could offer lower interest rates and more flexible terms, especially to people with poor credit. It's also the best option to get a loan of the amount of $2,500 or less. You must be a member at the credit union in order to apply for the loan and be ready for an application which can cause the credit score of your dip.
Individual loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
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, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and responsible 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 are 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 customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
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 aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as the impact on credit scores rates and fees, the customer experience and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
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 impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, the customer experience and ethical lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
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 as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and responsible lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects 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.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account 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.
4.5 NerdWallet's ratings are determined 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, rates and fees, customer experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
On Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to 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 algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the 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 customers' experience, and responsible lending practices.
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
APR 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
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 scores rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to 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 Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider 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.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Achieving
Attain
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible 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 staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score rate and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, rates and fees, 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 are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers 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.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are 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, rates and fees, customer experience and responsible 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 staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were 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, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
On Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including 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 a good choice for consumers, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' 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 compiled by our editorial staff. The scoring formula considers the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider 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.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and responsible 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 rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to 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 takes into account the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and responsible 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 algorithm takes into consideration the factors we believe to be consumer-friendly, including impact on 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 team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
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 the 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 staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' 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 staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit scores, rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
Back to top
5. Take a look at the fine print
Before you sign an loan make sure you go through the loan's terms and conditions and seek answers to any questions you may have. Be sure to look for:
Fees. Penalties for prepayment -- or fees for paying off the loan early rare, but lenders may charge additional fees, such as late payment and origination charges.
Automated withdrawals. If a lender is able to automatically withdraw loan payments from your checking account, think about creating a low balance alert with your bank to avoid overdraft fees.
APR surprises. The total amount of your loan including interest and any origination fees, must be disclosed clearly and factored in the APR.
In addition, you should look for lenders that provide services the option of reporting payments to the 3 major credit agencies, and allowing borrowers to change their payment dates or send borrowed funds directly to creditors who are owed the debt consolidation loans.
Return to the top
6. Complete your application
Once you've selected the right lender for your requirements, you'll need to apply formally . It is possible to apply for a loan with different requirements depending on the company, but it's most likely need:
Identification: A passport driver's license, driver's licence State ID, Social Security card.
Verification of address The proof of address is a utility bill or lease agreements.
Documentation of income such as pay stubs, bank statements or tax returns.
The lender will conduct an investigation of your credit which could temporarily lower your credit score by a few percentage points. It can be reported on credit reports for up to 24 months. After approval you'll be able to receive your loan in accordance with the lender's terms, typically within a week. Once you have your funds, make a plan to repay the loan and .
>> If your application has been rejected:
The authors' bios: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri is the person who handles individual loans in NerdWallet.
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