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Effective URL: https://www.credible.com/personal-loan-prequalification
Submission: On November 11 via api from US — Scanned from DE
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Credible Login Student Loan Refinancing Private Student Loans Personal Loans Mortgage Refinancing Home Loans Insurance -------------------------------------------------------------------------------- Resources Company Get Started Student Loan Refinancing Student loan refinance Student loan consolidation Start Your Refi -------------------------------------------------------------------------------- Resources Best student loan refinance companies Student loan repayment calculator Student loan refinancing calculator How to pay off student loans Student loan forgiveness Learn more about student loan refinancing Private Student Loans Private student loans Graduate student loans Parent student loans Medical school loans Law school loans MBA loans Find Your Loan -------------------------------------------------------------------------------- Resources How to pay for college Applying for FAFSA Best private student loans Student loan calculator Student loans without a cosigner Learn more about student loans Personal Loans Personal loans Debt consolidation loans Credit card consolidation loans Personal loans for bad credit Home improvement loans Find Your Loan -------------------------------------------------------------------------------- Resources How to qualify How to get a loan How to pay off credit card debt Best personal loans Personal loan calculator Learn more about personal loans Mortgage Refinance Refinance your mortgage Today's refinance rates 30 year fixed refinance rates 15 year fixed refinance rates Cash-out refinance rates Start Your Refi -------------------------------------------------------------------------------- Resources How to refinance your mortgage How to get the best refinance rates Cost to refinance your home When to refinance Mortgage refinance calculator Learn more about mortgage refinancing Home Loans Home loans Today's mortgage rates 30 year fixed mortgage rates 15 year fixed mortgage rates Jumbo loan rates Find Your Loan -------------------------------------------------------------------------------- Resources Qualifying for the best rate First time homebuyer tips How to buy a house How to get a mortgage Mortgage preapproval Learn more about purchasing a home Insurance Home Insurance Car Insurance Get Quotes -------------------------------------------------------------------------------- Resources Home insurance guide What home insurance covers How much home insurance you need Home insurance deductible How to change home insurance Learn more about home insurance Resources Blog FAQs Loan calculators Student loan score calculator Debt statistics Data insights Credible lender rating methodology Company About us Credible reviews Careers Press -------------------------------------------------------------------------------- Partners Digital partners Employers Financial advisors Real estate agents -------------------------------------------------------------------------------- Contact Call us now Email us Chat now Menu 866-540-6005 support@credible.com Sign Up * Student Loans Student Loan Refinancing Private Student Loans Compare Lenders Student loan refinance Student loan consolidation Start Your Refi Learn more Best student loan refinance companies Student loan repayment calculator Student loan refinancing calculator How to pay off student loans Student loan forgiveness Learn more about student loan refinancing Compare Lenders Private student loans Graduate student loans Parent student loans Medical school loans Law school loans MBA loans Find Your Loan Learn more How to pay for college Applying for FAFSA Best private student loans Student loan calculator Student loans without a cosigner Learn more about student loans * Personal Loans Personal Loans Personal loans for all your financial needs - get prequalified in just 3 minutes Compare Lenders Personal loans Debt consolidation loans Credit card consolidation loans Personal loans for bad credit Home improvement loans Find Your Loan Learn more How to qualify How to get a loan How to pay off credit card debt Best personal loans Personal loan calculator Learn more about personal loans * Mortgages Mortgage Refinance Home Loans Compare Rates Refinance your mortgage Today's refinance rates 30 year fixed refinance rates 15 year fixed refinance rates Cash-out refinance rates Start Your Refi Learn more How to refinance your mortgage How to get the best refinance rates Cost to refinance your home When to refinance Mortgage refinance calculator Learn more about mortgage refinancing Compare Rates Home loans Today's mortgage rates 30 year fixed mortgage rates 15 year fixed mortgage rates Jumbo loan rates Find Your Loan Learn more Qualifying for the best rate First time homebuyer tips How to buy a house How to get a mortgage Mortgage preapproval Learn more about purchasing a home * Insurance Insurance Compare custom fit options to find home and auto coverage that best suits your needs What We Offer Home Insurance Car Insurance Get Quotes Learn more Home insurance guide What home insurance covers How much home insurance you need Home insurance deductible How to change home insurance Learn more about home insurance * Resources Resources Build your financial knowledge with helpful tips & strategies from our team Blog FAQs Loan calculators Student loan score calculator Debt statistics Data insights Credible lender rating methodology * Company Company At Credible, our first priority is you. Company About us Credible reviews Careers Press Partners Digital partners Employers Financial advisors Real estate agents Contact Call us now Email us Chat now * Login * Get Started PERSONAL LOANS TO GET YOU ONE STEP AHEAD Rates from 5.40% - 35.99% APR1 in just 2 minutes Find My Rate Checking rates won’t affect your credit score Excellent 5,285 reviews on Trustpilot Excellent 5,285 reviews on Trustpilot PERSONAL LOANS TO GET YOU ONE STEP AHEAD Rates from 5.40% - 35.99% APR1 in just 2 minutes Find My Rate Checking rates won’t affect your credit score Excellent 5,285 reviews on Trustpilot Excellent 5,285 reviews on Trustpilot WHY CREDIBLE? Free to use, no hidden fees Loan amounts from $600 to $100,000 Prequalified rates in 2 minutes Check rates from multiple lenders SEE HOW MUCH YOU COULD SAVE Enter your loan amount Please enter between $600 and $100,000 Loans from $600 to $100,000 See your potential savings Find My Rates “ I am finally able to live my life the way I want to enjoy it. Thank you Credible for giving me the power to own my life. -Jim Slawnikowski Excellent 5,285 reviews on Trustpilot PERSONAL LOANS TO SUPPORT THE MOMENTS THAT MATTER MOST Debt Consolidation Credit Card Refinancing Wedding Expense Career Development Start New Business Home Improvement Vacation Car Financing Moving Expenses Debt Consolidation Wedding Expense Start New Business Vacation Moving Expenses Credit Card Refinancing Career Development Home Improvement Car Financing Compare personal loan rates in 2 minutes Find My Rate Checking rates won’t affect your credit FREQUENTLY ASKED QUESTIONS Still have questions? Our Client Success Team is always here to help support@credible.com 866-540-6005 Chat with us * Mon - Thurs 6am – 6pm PT * Fri 6am – 4pm PT * Sat - Sun 7am – 4pm PT FREQUENTLY ASKED QUESTIONS By Jamie Young Jamie Young is a Credible authority on personal finance. Her work has appeared on Time, CBS News, Huffington Post, Business Insider, AOL, MSN, and more. Full bio & Matt Carter Matt Carter is a writer, editor and student loan authority for Credible. His work has been featured by CNBC, CNN Money, Consumer Reports, Money, USA Today, U.S. News & World Report, The New York Times, The Wall Street Journal, The Washington Post, Yahoo Finance and more. Full bio Updated January 19, 2022 WILL THE COVID-19 PANDEMIC AFFECT ME TAKING OUT A PERSONAL LOAN? Generally, no — personal loans are still widely available despite the COVID-19 pandemic, which could be especially valuable if you need help making ends meet. You’ll still typically need good credit and verifiable income to get approved for a loan with most lenders, including online lenders, banks, and credit unions. Keep in mind that some lenders might have more stringent requirements to ensure that borrowers can repay their loans, though. Additionally, some lenders are offering coronavirus hardship loans that might be easier to qualify for if the pandemic has impacted your employment. These small emergency loans might come with low or even 0% interest, depending on the lender. Read more: COVID-19 & Personal Loans WHAT IS AN UNSECURED PERSONAL LOAN? An unsecured personal loan is money you can borrow from a financial institution like a bank, credit union, or online lender that doesn't require collateral (like your home or car). Once approved for an unsecured loan, you'll make monthly payments to pay it back in full, plus interest. The loan terms and interest rate vary based on the lender and your credit. WHAT IS THE DIFFERENCE BETWEEN A FIXED APR AND A VARIABLE APR? The annual percentage rate (APR) is what you’ll pay to borrow money. It includes not only your interest rate but any fees charged by the lender — such as origination fees. There are two types of APR you’ll likely come across: * A fixed APR stays the same throughout the life of the loan. This means your monthly payment and payoff date won’t ever change. * A variable APR can fluctuate according to market trends. While a variable APR often starts out lower than a fixed APR, it could increase in the future — which would also cause your monthly payments to rise. WHAT ARE THE REQUIREMENTS TO QUALIFY? Each lender has their own set requirements to qualify for a personal loan. But what they typically look for are borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a steady income, and those who have a good credit history. HOW MUCH CAN I BORROW WITH A PERSONAL LOAN? How much you can borrow with a personal loan depends largely on your debt-to-income ratio, which is how much of your monthly income goes to paying ongoing obligations like your rent, car payment, or credit card bills. Many lenders also have minimum credit score requirements for credit approval. The upper limits for personal loans vary by lender but typically fall in the $35,000 to $50,000 range. However, lenders in the Credible marketplace offer personal loans to qualified borrowers up to $100,000. WILL CHECKING MY RATES AFFECT MY CREDIT SCORE? Using Credible to check your rates doesn’t affect your credit score. Here’s how it works: Credible's prequalification process uses a soft credit inquiry that allows you to see personalized rates without you having to apply for a loan. There is no obligation to proceed with any of the loan options presented on your dashboard, but if you see a loan offer with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit inquiry when you apply for the loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five. WHAT RATE SHOULD I EXPECT AND HOW CAN I GET THE BEST RATE? Every lender has its own methods of evaluating borrowers and determining rates, so it’s a good idea to compare prequalified rates from more than one lender. Generally, the shorter the loan term, the lower the interest rate offered by most lenders; and the better your credit score and credit report, the better the interest rate you can qualify for. Some lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your bank account. Qualifying for the lowest rates offered by a lender is dependent on your online application, credit approval and score, loan terms, and other factors. Through Credible, you can easily compare loan offers, loan terms, origination fees, monthly payment amounts and repayment terms. Read more: Who Are the Best Personal Loan Lenders? HOW QUICKLY WILL I RECEIVE MY FUNDS? Once you’ve completed the loan application process, most lenders can fund your loan by the next business day (though it can take up to about a week, depending on the lender and your application). CAN I USE PERSONAL LOANS FOR DEBT CONSOLIDATION? Yes. In fact, personal loans offer many debt consolidation benefits. For example, they typically offer lower interest rates than credit cards, making it easier to reduce the overall interest you pay if you use a personal loan to consolidate your debt. Many credit cards also carry variable rates, which can cause the amount you pay in interest to fluctuate as rates change. Personal loans, however, typically offer fixed-rate loans which will keep your monthly payment consistent. Read more: Best Debt Consolidation Loans HOW ELSE CAN I USE A PERSONAL LOAN? You’re typically not limited in how you can use your personal loan funds. Personal loans can be used to pay down high-interest credit card debt, meet unexpected needs like medical bills, take care of a major purchase like a new refrigerator, or fund home improvement projects. However, some lenders only provide loans for specific purposes (and some rates vary based on what you use it for), so you will be asked for the purpose of your loan. PRODUCT * Student Loan Refi * Student Loans * Mortgage Refi * Personal Loans * Credit Cards SUPPORT * FAQ * Security LENDERS * Student Loan Lenders * Student Loan Refi Lenders * Personal Loan Lenders * Home Loans & Refinancing Lenders PARTNERS * Affiliates * Employers * Financial Advisors COMPANY * Blog * Careers * Press LEGAL * Terms of Use * Privacy Policy * Do not sell my information * GLBA Privacy Policy © 2022 Credible FIND US * Credible support email * Credible facebook * Credible twitter Credible Operations, Inc. NMLS ID# 1681276 | NMLS Consumer Access | Licenses and Disclosures | Not available in all states. Prequalified rates are not an offer of credit. 1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.40% - 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.. Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile. View Disclosure 1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.40% - 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.. Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile. 1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.40% - 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.. Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile. View Disclosure 1Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.40% - 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.. Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile. Best Rate Guarantee Best Rate Guarantee If we can’t find you the best personal loan rate, we’ll give you $200 (Terms Apply) Learn more:Best Rate Guarantee If we can’t find you the best personal loan rate, we’ll give you $200 (Terms Apply) Learn more: Best Rate Guarantee Details DO NOT SELL MY PERSONAL INFORMATION * YOUR PRIVACY * STRICTLY NECESSARY COOKIES * SALE OF PERSONAL DATA YOUR PRIVACY When you visit our website, we store cookies on your browser to collect information. The information collected might relate to you, your preferences or your device, and is mostly used to make the site work as you expect it to and to provide a more personalized web experience. 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