Ten DIY $255 Payday Loans Online Same Day Ideas You'll have Misse…
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How to get a personal Loan in just 6 Steps
Advertiser disclosure You're our first priority. Each time. We believe that every person should be able to make sound financial decisions without hesitation. While our website doesn't feature every company or financial product on the market We're pleased that the advice we provide and the information we offer as well as the tools we design are impartial, independent easy to use and free. So how do we earn money? Our partners pay us. This may influence which products we write about (and where those products appear on our website) however it doesn't affect our advice or suggestions that are based on thousands of hours of research. Our partners cannot pay us to guarantee favorable ratings of their goods or services. .
How to Get a Personal Loan in 6 Steps
The process of getting a personal loan starts with checking your credit, applying for pre-qualification and looking at loan options.
,
Updated on January 18, 2023
Many or all of the products we feature come from our partners who pay us. This influences which products we write about and the location and manner in which the product appears on the page. But, it doesn't affect our assessments. Our opinions are entirely our own. Here's a list and .
Steps to Take
Steps
Finding a personal loan isn't necessarily 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 help you through the process of locating and getting an individual loan.
1. Check your credit score
First check your credit score to assess your financial picture. A high credit score gives you the chance to get a personal loan and getting an interest rate that is lower.
Credit scores usually fall in these categories.
A score of 720 or higher is considered excellent credit.
690-719: Good credit.
630-689: Fair or average credit.
300-629: No credit.
Looking at a less-than-friendly score? Repair any mistakes that are on your report which could have a negative effect on your score. You can request a and challenge missed payments incorrectly reported or other mistakes it could contain.
Be sure to make on-time payments toward the credit card or other loan payments, and also keep the credit utilization (the quantity of credit that you use relative to your credit limits) low because these are among the major factors affecting your credit score.
>> How's your credit?
2. Calculate your loan payments
Then, you should determine the amount of money you need to get from Then, determine the amount you'll need from a loan. It is important to ensure the amount is inclusive of any charges the lender could charge. These fees, which can range between 1% and 10% of the loan and are usually taken from the loan funds.
Reviewing your loan sum and the credit scores can give you an idea of the monthly installments you could receive from the personal loan.
The loan term also plays into how much a loan costs. A longer loan term will mean smaller monthly payments, but you'll pay more in interest.
Use the calculator below to calculate estimates of your monthly payments based upon the credit rating of yours, loan amount and loan term. The best personal loans offer monthly installments that fit comfortably into your budget.
Back to top
3. Get pre-qualified for a loan
Being prequalified for personal loan will give you a taste of what you might receive from lenders. Some online lenders as well as banks conduct a pre-qualification that doesn't affect your credit score.
During the , you must generally give personal information, such as your name, birth date, income and loan purpose.
The process of prequalifying multiple lenders lets you compare estimates of rates and payments.
Find out if you're pre-qualified for a personal loan and not impact your credit score.
Answer a few simple questions to receive personalized rates of our lenders.
The purpose of the loan Select your choice Debt Consolidation Home Improvement Medical Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a Business IRS Tax Other Debt
The amount of the loan
Credit score Select the option you want. Very Good Good Fair Poor
Your employment status Choose your option Full-time Part time Self-employed Unemployed Military Retired Other
Check if you are pre-qualified
To strengthen your application, consider a co-signed or . including someone with excellent credit or a collateral asset can help you qualify or receive a lower interest rate. Both options come with negative consequences on the applicant or collateral if you fail to pay back.
>> 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's a good idea to look around and compare loan amounts along with monthly payment and interest rates offered by different lenders.
You can pre-qualify for a loan, apply and receive funds online. The lenders are awe-inspiring, and provide fast funding and loans to those with credit scores that span the spectrum.
like , and offer such as, and provide loans, and existing customers can enjoy flexible loan conditions and rate reductions. If you have good to excellent credit, you should check your current bank for offers.
may offer lower interest rates and flexible terms, specifically for people with poor credit. It's also the best option for loans of $2,500 or less. You have to be a member of the credit union to apply for an loan and you must be prepared a with your application, which can cause you to see your score dip.
Individual loans from our partners
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 aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects 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 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer 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 consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible 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 determined by our editorial staff. The scoring formula is based on 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 compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider 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 rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including 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 Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
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 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 ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be 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 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 is based on factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer experience and ethical lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to 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 formula is based on factors we consider to be beneficial to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
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 consumers, including impact to credit score rate and fees, 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 beneficial to consumers, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration 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.
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 impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact on 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 team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' 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 are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg!
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were 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 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 Best Egg
on Discover
Discover
5.0 NerdWallet's rating is 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 responsible lending practices.
5.0 NerdWallet's rating is determined 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.
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 team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including 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 consumer-friendly, including impact to credit score, fees and rates as well as the customer's 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 team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, customer service and ethical 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 formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account 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.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
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, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled 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 customers' experience, and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe 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 determined 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, fees and rates customers' experience, and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including 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 factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. 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 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 team. The scoring formula considers 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.
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, customer experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
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.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $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 the factors we believe to be consumer-friendly, including impact on 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 factors we consider to be beneficial to consumers, including the impact on credit scores fees and rates customers' 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 compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
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 friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.3-36.0%
Amount of loan: $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 the factors we believe to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical 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 a good choice for consumers, such as impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
Back to top
5. Check the fine print
Before you sign the loan be sure to read the terms and get answers to any questions you may have. Particularly, look out for:
Fees. Prepayment penalties -- charges for paying off a loan early rare, but lenders may charge other fees, including late payment and origination fees.
Automated withdrawals. If a lender automatically withdraws loan payments from your checking account, think about creating a low balance alert with your bank to prevent overdraft charges.
APR surprises. The total cost of your loan including interest and any origination fees, must be clearly disclosed and figured into the APR.
Also, search for lenders that offer such as reports on payments to three major credit bureaus, allowing borrowers to change the date of their payments or transfer borrowed funds directly to creditors for debt consolidation loans.
Back to top
6. Fill out your application
After you've found the lender that best meets your requirements, you'll be able to apply formally . Application requirements may vary by lender, but you'll most likely need:
Identification: A passport, driver's license, state ID or Social Security card.
Verification of address The proof of address is a utility bill or lease agreement.
Income proof such as pay stubs, statements from banks or tax returns.
The lender will conduct an investigation of your credit that may briefly decrease the score of your credit by several points . This could appear on credit reports for 24 months. Upon final approval, you'll receive your loan according to the terms set by the lender, typically within a week. Once you've received your funds set out a plan to repay the loan and .
If your application is declined:
Authors' Bio: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri is the person who handles individual loans to NerdWallet.
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Advertiser disclosure You're our first priority. Each time. We believe that every person should be able to make sound financial decisions without hesitation. While our website doesn't feature every company or financial product on the market We're pleased that the advice we provide and the information we offer as well as the tools we design are impartial, independent easy to use and free. So how do we earn money? Our partners pay us. This may influence which products we write about (and where those products appear on our website) however it doesn't affect our advice or suggestions that are based on thousands of hours of research. Our partners cannot pay us to guarantee favorable ratings of their goods or services. .
How to Get a Personal Loan in 6 Steps
The process of getting a personal loan starts with checking your credit, applying for pre-qualification and looking at loan options.
,
Updated on January 18, 2023
Many or all of the products we feature come from our partners who pay us. This influences which products we write about and the location and manner in which the product appears on the page. But, it doesn't affect our assessments. Our opinions are entirely our own. Here's a list and .
Steps to Take
Steps
Finding a personal loan isn't necessarily 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 help you through the process of locating and getting an individual loan.
1. Check your credit score
First check your credit score to assess your financial picture. A high credit score gives you the chance to get a personal loan and getting an interest rate that is lower.
Credit scores usually fall in these categories.
A score of 720 or higher is considered excellent credit.
690-719: Good credit.
630-689: Fair or average credit.
300-629: No credit.
Looking at a less-than-friendly score? Repair any mistakes that are on your report which could have a negative effect on your score. You can request a and challenge missed payments incorrectly reported or other mistakes it could contain.
Be sure to make on-time payments toward the credit card or other loan payments, and also keep the credit utilization (the quantity of credit that you use relative to your credit limits) low because these are among the major factors affecting your credit score.
>> How's your credit?
2. Calculate your loan payments
Then, you should determine the amount of money you need to get from Then, determine the amount you'll need from a loan. It is important to ensure the amount is inclusive of any charges the lender could charge. These fees, which can range between 1% and 10% of the loan and are usually taken from the loan funds.
Reviewing your loan sum and the credit scores can give you an idea of the monthly installments you could receive from the personal loan.
The loan term also plays into how much a loan costs. A longer loan term will mean smaller monthly payments, but you'll pay more in interest.
Use the calculator below to calculate estimates of your monthly payments based upon the credit rating of yours, loan amount and loan term. The best personal loans offer monthly installments that fit comfortably into your budget.
Back to top
3. Get pre-qualified for a loan
Being prequalified for personal loan will give you a taste of what you might receive from lenders. Some online lenders as well as banks conduct a pre-qualification that doesn't affect your credit score.
During the , you must generally give personal information, such as your name, birth date, income and loan purpose.
The process of prequalifying multiple lenders lets you compare estimates of rates and payments.
Find out if you're pre-qualified for a personal loan and not impact your credit score.
Answer a few simple questions to receive personalized rates of our lenders.
The purpose of the loan Select your choice Debt Consolidation Home Improvement Medical Consolidation of Credit Cards Auto Motorcycle Major Purchase Start a Business IRS Tax Other Debt
The amount of the loan
Credit score Select the option you want. Very Good Good Fair Poor
Your employment status Choose your option Full-time Part time Self-employed Unemployed Military Retired Other
Check if you are pre-qualified
To strengthen your application, consider a co-signed or . including someone with excellent credit or a collateral asset can help you qualify or receive a lower interest rate. Both options come with negative consequences on the applicant or collateral if you fail to pay back.
>> 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's a good idea to look around and compare loan amounts along with monthly payment and interest rates offered by different lenders.
You can pre-qualify for a loan, apply and receive funds online. The lenders are awe-inspiring, and provide fast funding and loans to those with credit scores that span the spectrum.
like , and offer such as, and provide loans, and existing customers can enjoy flexible loan conditions and rate reductions. If you have good to excellent credit, you should check your current bank for offers.
may offer lower interest rates and flexible terms, specifically for people with poor credit. It's also the best option for loans of $2,500 or less. You have to be a member of the credit union to apply for an loan and you must be prepared a with your application, which can cause you to see your score dip.
Individual loans from our partners
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 aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects 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 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer 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 consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible 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 determined by our editorial staff. The scoring formula is based on 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 compiled by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.74-17.99%
Amount of loan $600-$50,000
on PenFed Credit Union
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider 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 rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including 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 Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer service and responsible lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
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 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 ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be 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 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 is based on factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer experience and ethical lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to 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 formula is based on factors we consider to be beneficial to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
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 consumers, including impact to credit score rate and fees, 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 beneficial to consumers, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration 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.
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 impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact on 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 team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and ethical lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' 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 are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg!
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were 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 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 Best Egg
on Discover
Discover
5.0 NerdWallet's rating is 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 responsible lending practices.
5.0 NerdWallet's rating is determined 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.
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 team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including 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 consumer-friendly, including impact to credit score, fees and rates as well as the customer's 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 team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, including the impact on credit scores, rates and fees, customer service and ethical 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 formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account 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.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
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, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled 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 customers' experience, and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe 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 determined 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, fees and rates customers' experience, and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including 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 factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. 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 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 team. The scoring formula considers 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.
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, customer experience and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
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.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $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 the factors we believe to be consumer-friendly, including impact on 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 factors we consider to be beneficial to consumers, including the impact on credit scores fees and rates customers' 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 compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
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 friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.3-36.0%
Amount of loan: $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 the factors we believe to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical 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 a good choice for consumers, such as impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
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5. Check the fine print
Before you sign the loan be sure to read the terms and get answers to any questions you may have. Particularly, look out for:
Fees. Prepayment penalties -- charges for paying off a loan early rare, but lenders may charge other fees, including late payment and origination fees.
Automated withdrawals. If a lender automatically withdraws loan payments from your checking account, think about creating a low balance alert with your bank to prevent overdraft charges.
APR surprises. The total cost of your loan including interest and any origination fees, must be clearly disclosed and figured into the APR.
Also, search for lenders that offer such as reports on payments to three major credit bureaus, allowing borrowers to change the date of their payments or transfer borrowed funds directly to creditors for debt consolidation loans.
Back to top
6. Fill out your application
After you've found the lender that best meets your requirements, you'll be able to apply formally . Application requirements may vary by lender, but you'll most likely need:
Identification: A passport, driver's license, state ID or Social Security card.
Verification of address The proof of address is a utility bill or lease agreement.
Income proof such as pay stubs, statements from banks or tax returns.
The lender will conduct an investigation of your credit that may briefly decrease the score of your credit by several points . This could appear on credit reports for 24 months. Upon final approval, you'll receive your loan according to the terms set by the lender, typically within a week. Once you've received your funds set out a plan to repay the loan and .
If your application is declined:
Authors' Bio: Chanell Alexander is a former personal loans writer for NerdWallet.
Ronita Choudhuri is the person who handles individual loans to NerdWallet.
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