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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Score Required
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Apply for Loan Now
See terms $35,000 Yes See terms
  • Borrow $100 to $35,000 - Fast
  • Instant Decision - Minimal Paperwork
  • Safe, Secure, & Trusted form
  • All credit types welcome!
6803 $100,000 Yes $5,000
  • Loans between $5k - $100k, state restrictions apply1
  • Fixed rates starting at 5.99% APR (with AutoPay)2
  • 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
All Credit Scores $5,000 Yes $700
  • Need cash for your personal expenses?
  • Up to 5k - Fast, Secure, and All Online!
  • You can pay off credit card bills and save!
620 $20,000 Yes See terms
  • An installment loan means more for you, with better terms
  • A trusted source for personal loans.
  • 10,000 reasons to wake up happy
See terms $1,000 Yes See terms
  • Fast approval in as little as 2 minutes
  • Your money directly deposited into your account
  • Safe and Secure
  • Flexible Payments
  • All Credit Types
See terms $15,000 Yes $1,000
  • Need Cash? Up to $15,000 with EncoreLoan.
  • All Credit Types Accepted.
  • Fast, Real-Time Approvals.
See terms $2,500 Yes See terms
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.
See terms $15,000 Yes See terms
  • Personal loan of up to $15,000 in just minutes
  • Quick application, incredibly secure service
  • All Credit Types Accepted
No $100,000 Yes See terms
  • Loans up to $100,000, takes less than 60 seconds to see if you are Pre-Approved.
  • APRs as low as 3.84%.
  • Use the money for debt consolidation, large purchase, medical expenses, and more!
See terms $10,000 Yes See terms
  • Receive a personal loan of up to 10k.
  • A lending decision can occur within minutes of your information being submitted.
  • Deposits are made into your bank account as soon as the next business day.
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 for more state eligibility details. Information as of April 2018 and subject to change.
2 Fixed rates from 5.99% APR to 18.85% APR (with AutoPay). SoFi rate ranges are current as of February 25, 2021 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, income, and other factors. See APR examples and terms. 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.
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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