Credit Card Applications
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Best Personal Loan Applications

We all can get into a situation when we need cash immediately and there's no emergency fund to back us up. In this case a personal loan can become an escape. That is a good option to consider when you need money fast.

The reasons for applying for a loan can be different: home improvement, medical expenses and even credit card refinancing.
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Apply for Loan Now
See terms $40,000 Yes See terms
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day
See terms $40,000 Yes See terms
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day
670 $300,000 No $3500 (min)
  • PenFed is one of the only lenders that allows married couples to refinance together.
  • Find your rate before applying
  • No application or origination fees
  • Get Rate With No Credit Check
  • Combine Loans With Your Spouse
  • Be Debt Free Sooner
  • Get a Lower Fixed Rate
See terms $40,000 Yes See terms
  • Request a loan in 2 minutes or less
  • Direct deposit as soon as the next business day
  • All credit types considered
  • Safe and secure online form
500 $5,000 Yes $1,200
  • Up to $5,000 as soon as the next business day
  • All credit types accepted
  • Loans for any purpose (Debt Consolidation, Large purchases, Emergency expenses and more)
580 $35,000 Yes $2,000
  • The quick way to find a lender that can offer up to $35,000 for any loan reason.
  • Simple, online form that connects customers to an expansive network of lenders.
  • Loans are usually deposited within the next business day.
N/A $2,500 Yes $800
  • Online Personal Loans up to $2,500
  • Our Online form is quick, secure, & hassle free.
  • You may be approved even with a poor credit history.
All Credit Scores $5,000 Yes $700
  • Up to $5,000 deposited to your bank account
  • Get funds as soon as tomorrow
  • Fast, Safe, and Convenient - all online!
All Credit Scores $35,000 Yes $700
  • Simple form
  • Up to $35k
  • Any loan reason
6803 $100,000 Yes $5,000
  • Earn $100 payout for every valid and funded loan
  • Loans between $5k - $100k, state restrictions apply1
  • Fixed rates starting at 6.990% APR (with AutoPay)2
  • 3, 4, 5, 6, or 7 year repayment terms
  • No origination fees, no prepayment penalties
  • Personal loans can be used for a variety of reasons, like paying off credit card debt, investing in home improvements, taking a special vacation, or wedding expenses
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

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Expert Q&A

Q:Would applying for card affect my credit?

Yes, your credit score may change. First of all, when you apply for a credit card, an issuer will make a hard pull to see your credit report(s). Once you are approved, a new credit account will appear on your credit reports. This will shorten your overall credit history[...]

Personal Loan: fast and easy borrowing

Many people have specific purposes in mind but often lack of money to fulfill them. A personal loan can help you achieve your goals faster and with less harass.

One of the positive moments about personal loans is that they are available to people with not so perfect credit history. Another good thing is that the application and approval processes are much faster than if you were applying for a credit card. Also, the funds are often available within several days after approval.

Personal loans usually have fixed rates and scheduled repayment plans. All the payment history, both positive and negative, is reported to the credit bureaus.

Some negative, or it is better to say actual fact about personal loan is that you still need to qualify for it. The lender will ask you to provide the proof of income and may check your credit history to determine your creditworthiness. You may also need a valid bank account where the lender will transfer the funds.
1 SoFi Personal Loans are not available to residents of MS. Additional state restrictions may apply regarding maximum interest rates and minimum loan amounts. See SoFi.com/eligibility for more state eligibility details. Information as of April 2018 and subject to change.
2 Fixed rates from 6.990% APR to 14.865% APR (with AutoPay). Variable rates from 6.255% APR to 12.555% APR (with AutoPay). SoFi rate ranges are current as of September 1, 2018 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 6.255% APR assumes current index rate derived from the 1-month LIBOR of 2.08% plus 4.425% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.
See Consumer Licenses.
3 Minimum Credit Score: Not all applicants who meet SoFi´s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi´s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify.
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