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Best $5,000 personal loans from our partners

As of October 2026, compare $5,000 personal loans with APRs as low as 0% and same-day funding options available.

Best for same-day funding: SoFi

(433 reviews)

96%

would recommend

View all offers from SoFi

Recommended FICO^® Score^Θ

Good - Exceptional

Est. APR	6.99 - 35.49%
Term	24 - 84 mo
Loan amount	$5,000 - $100,000
Est. monthly payment	$224 - $3,237

Loan details

Personal Loans with low fixed rates
Borrow up to $100,000
No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
Simple online application with live support 7 days a week
Apply Now

Lender disclosure

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Based on loans funded from 1/1/2025-12/31/2025. Information current as of 10/02/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.

Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.

SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 10/02/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. 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.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.

Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to make monthly payments using SoFi’s automatic monthly deduction from a savings or checking account. The discount will discontinue and be lost when you do not have autopay enabled. You're not required to set up autopay to obtain this loan.

Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Why we picked it^†

SoFi personal loans offer same-day funding, depending on when your loan is approved. This can be helpful if you need a loan quickly. The minimum loan amount is $5,000, and you can repay the loan 24 to 84 months.
There are no-fee options available and you can pay a one-time fee for a lower interest rate. The lender’s interest rates are competitive with low fixed rates.

Pros and cons

Large loan amounts
Offers prequalification
Same-day funding

High credit score requirements
High minimum loan amount

Best for quick funding: LendingPoint

(29 reviews)

100%

would recommend

View all offers from LendingPoint

Recommended FICO^® Score^Θ

Fair - Good

Est. APR	7.99 - 35.99%
Term	24 - 48 mo
Loan amount	$2,000 - $30,000
Est. monthly payment	$90 - $1,187

Loan details

Loans from $2,000 to $36,500 and no prepayment penalties
Rates from 7.99% to 35.99% APR
Check your rate without impacting your credit score
Simple online application
Funds available as soon as the next business day upon approval
LendingPoint's innovative technology allows them to understand the individual creditworthiness of every applicant
Terms from 24 - 72 months
Fixed monthly payment and simple interest
LendingPoint has thousands of five-star reviews on Trustpilot
LendingPoint has an A+ rating from the Better Business Bureau

Lender disclosure

Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

Why we picked it^†

LendingPoint is an online lender that offers fast funding on loans for borrowers with fair credit. Your funds can be available in as quickly as one business day after approval. Loan sizes range from $2,000 to $30,000 and you can repay the loan in 24 to 48 months.

Pros and cons

Accessibility for fair-credit borrowers
Quick loan funding
Offers prequalification

Potentially high interest rate
May charge an origination fee
Not available in all states

Best for small amounts: Upgrade

(3 reviews)

100%

would recommend

View all offers from Upgrade

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.74 - 35.99%
Term	36 mo
Loan amount	$1,000 - $75,000
Est. monthly payment	$31 - $3,435

Loan details

Affordable loans from $1,000 - $75,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states. Upgrade is a financial technology company, not a bank. Personal loans issued by Upgrade's bank partners: https://www.upgrade.com/bank-partners/.

Why we picked it^†

An Upgrade personal loan can be as small as $1,000, making it worth considering if your borrowing needs are too low for other lenders’ minimums. Upgrade’s loan limit is $75,000, and you can pay back the debt over 36 months. Funding can occur as soon as one business day after approval.
One major drawback to Upgrade is its origination fee, which is deducted from the loan proceeds. The lender’s interest rates are competitive but can be high if your credit is less than stellar.

Pros and cons

Low loan amounts
Offers prequalification
Quick funding

Has an origination fee
Not available in all states

Best for debt consolidation: Happy Money

(24 reviews)

96%

would recommend

View all offers from Happy Money

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.95 - 29.99%
Term	24 - 60 mo
Loan amount	$5,000 - $50,000
Est. monthly payment	$226 - $1,617

Loan details

7.95% - 29.99% APR
Quickly check your rate without affecting your credit score
No prepayment, late, or check-processing fees

Lender disclosure

This does not constitute an actual commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to enable us to verify your income, assets, and financial condition. Your interest rate and terms for which you are approved will be shown to you as part of the online application process. The interest rate and Annual Percentage Rate (APR) shown reflect a discount for enrolling in automatic payments (“autopay”). To receive and keep this discounted rate, you must enroll in autopay and maintain automatic payments. If you do not enroll in autopay, your interest rate and APR will be higher than the rate shown. Most applicants will receive a variety of loan offerings to choose from, with varying loan amounts and interest rates. Borrower subject to a loan origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements.

Happy Money, Inc. is not a lender and is not the provider of the products or services offered by our Affiliate Partners. Affiliate Partner offers presented on this platform are provided by independent third parties ("Affiliates") with whom you will have a direct contractual relationship if you choose to proceed. Happy Money pays compensation to Affiliates from whom consumers are referred, apply for, and obtain products or services through this platform. This compensation may influence which Affiliate offers are presented and the order or prominence in which they appear; however, it does not affect the terms offered to you by the Affiliate. Happy Money does not endorse, guarantee, or warrant the products, services, rates, or terms offered by any Affiliate, and makes no representations regarding the Affiliate's lending or underwriting decisions. Happy Money plays no role in any credit or approval decisions made by Affiliates and is not responsible for issuing adverse action notices in connection with Affiliate products. If you proceed to an Affiliate's platform, your use of that platform is governed by the Affiliate's own terms of service and privacy policy. This offer does not constitute a commitment to lend or an offer to extend credit. Products and services offered by Affiliates may not be available in all states.

Why we picked it^†

Offered by Happy Money, the Payoff personal loan is specifically designed for credit card debt consolidation. Loans range from $5,000 to $50,000, with repayment terms from 24 to 60 months.
You may be charged an origination fee depending on your loan amount, repayment term and creditworthiness. There are no other fees on the loan, however. Funding typically takes two business days, but if you want Happy Money to make a direct payment to your credit card issuers, it can take longer.

Pros and cons

Can make a direct payment to your credit card issuer
Available for borrowers with fair credit scores
Offers prequalification

High minimum loan amount
Charges an origination fee
Borrowers can’t use loan funds for anything other than credit card consolidation

Best for peer-to-peer lending: Prosper

(70 reviews)

99%

would recommend

View all offers from Prosper

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	8.99 - 35.99%
Term	24 - 72 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$91 - $1,702

Loan details

Pay off your cards and watch your credit score climb
Check your exact rate in minutes — no impact to your credit score
Over 1 million borrowers funded since 2005 — $31 billion and counting
Rated Excellent on Trustpilot — 4.5 Stars from 14,000+ verified borrowers
Fast funding — money in your account as soon as the next business day
One fixed rate, one fixed payment — pay it off early anytime with zero penalties
Get funded without putting your home or car on the line — ever
Borrow $2,000–$50,000 — choose a 2 to 6-year term that works for you

Lender disclosure

Terms presented, including APR and monthly payment amount, are estimated and created based on information entered by you and through analysis of historical data on loans through Prosper. Your eligibility for a loan and actual terms depend on the information you provide in your application, and other variables including, but not limited to, your credit score, Prosper Rating, loan amount, loan term, employment and income details, credit usage and history.

Personal loans through Prosper have an annual percentage rate ("APR") of 8.99% to 35.99%, terms between two and six years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 17.29% and an 8.99% origination fee results in a 24.19% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $357.97. A five-year $10,000 personal loan with an interest rate of 15.63% and an 8.99% origination fee results in a 20.02% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $241.22. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ.

The average APR for pre-approved loans with a 3-year term funded between January 1, 2026, and March 31, 2026, was 24.8%. The average APR for loans with a 3-year term funded between January 1, 2026, and March 31, 2026, was 24.19%. Eligibility for personal loans up to $50,000 depends on a number of factors, including (but not limited to) your financial history, credit score, monthly income, and monthly expenses. Eligibility for personal loans is not guaranteed, and requires sufficient investor commitments to fund. All personal loans made by WebBank.

You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s transaction processing speed.

Why we picked it^†

Prosper is unique for its peer-to-peer lending platform, which connects borrowers to investors who fund loans. Their model can lower barriers to applicants with less-than-perfect credit, and you’ll get your money quickly, with as little as one-day funding available. Overall, Prosper is a good choice for simple, flexible funds on a speedy timeline. Loans range from $2,000 to $50,000, and repayment terms are flexible, from 24 to 72 months.
Be aware that, while high credit can help you access competitive terms, Prosper’s rates go relatively high for low-credit borrowers. Prosper also charges an origination fee, but there are no prepayment penalties.

Pros and cons

Accessibility for a wide range of credit borrowers
Can apply with a co-borrower
Clear qualification requirements

Has an origination fee
High maximum interest rate
No grace period

(308 reviews)

98%

would recommend

View all offers from Best Egg

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	6.99 - 35.99%
Term	36 - 60 mo
Loan amount	$2,000 - $50,000
Est. monthly payment	$62 - $1,806

Loan details

Get the cash you need, fast: Funds in as little as 24 hours.
No surprises. Fixed rates give you the same monthly payment every time.
Make payments on your terms—no prepayment penalties, ever.
We’re trusted, with excellent ratings from the Better Business Bureau and Trustpilot.

Lender disclosure

Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.

Eligibility is not guaranteed. The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. Your application is complete when you submit it to Best Egg. Your acceptance of an offer may impact your credit score.

The timing of available funds upon loan approval may vary depending upon your bank’s policies. After successful verification your money can be deposited in your bank account within 1-3 business days.

Loan amounts range from $2,000–$50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. Only two active Best Egg loans are available at one time and your total existing Best Egg loan balances cannot exceed $100,000.Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4 years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. Eligibility for the best available rate subject to creditworthiness. For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81; a 3-year $5,000 loan with 6.99% APR has 36 scheduled monthly payments of $152.83. Best Egg loans can be prepaid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum term of 60 months.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Best Egg loans are personal loans made by Cross River Bank, a New Jersey Chartered Bank, operating from its Wilmington, Delaware branch location, Member FDIC, Equal Housing Lender, or Column N.A., Member FDIC, Equal Housing Lender.

© 2026 Marlette Marketing, LLC. All rights reserved.

(770 reviews)

97%

would recommend

View all offers from Happen Bank

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	35.99%
Term	24 - 60 mo
Loan amount	$1,000 - $75,000
Est. monthly payment	$NaN - $2,709

Loan details

Happen Bank offers loan amounts from $1,000-$75,000, flexible terms, and no pre-payment penalties.
Fast Application: Check your rate in minutes with no impact to your credit score¹
Members get more: You could earn 2% cash back on personal loan payments with a LevelUp Checking Account²

Lender disclosure

¹Checking a rate through us generates a soft inquiry on a person’s credit report, which does not impact that person’s credit score. A hard credit inquiry, which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person.

²Loan Payment Cash Back provides the opportunity to earn 2% cash back for on-time qualifying Happen Bank loan payments made electronically from a LevelUp Checking account. Direct Deposit into LevelUp Checking account required for eligibility to receive cash back. Please visit Happen.com/LevelUp-Checking for additional information about LevelUp Checking, including details relating to cash back requirements. LevelUp Checking account must be open and active at the time the cash back is credited. Accounts subject to approval which may include credit approval. No minimum opening deposit required. Please see Product Terms and Conditions for additional product details. Member FDIC. FDIC-insured up to $250,000 per depositor for each ownership category.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $27,198 for a term of 36 months, with an interest rate of 14.49% and a 6% origination fee of $1,632, for an APR of 17.32%. In this example, the borrower will receive $25,566 and will make 36 monthly payments of $936. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products.

For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Unless otherwise specified, all credit products are provided by Happen Bank, N.A., Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Happen Bank is not an affiliate of Experian and is not responsible for the products and services provided by Experian Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Certain information that Happen Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Happen.com.

(641 reviews)

93%

would recommend

View all offers from OneMain Financial

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	11.99 - 35.99%
Term	36 - 60 mo
Loan amount	$1,500 - $30,000
Est. monthly payment	$50 - $1,084

Loan details

BBB Accredited Business, Rated Excellent on Trustpilot (100,000+ 5-star reviews)
100+ years responsible lending
Affordable, simple fixed terms, no prepayment penalty
Complete our online application in minutes
Money as fast as 1 hour after loan closing (see details below)
We’re here online or in person at over 1,300 community branches nationwide

Lender disclosure

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral. Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07. OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees. Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options. Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

(129 reviews)

98%

would recommend

View all offers from Avant

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	9.95 - 35.99%
Term	24 - 60 mo
Loan amount	$2,000 - $35,000
Est. monthly payment	$92 - $1,264

Loan details

Personal loans from $2,000 to $35,000¹ entirely online
Checking your loan options will not affect your credit score
Funding as soon as next business day²
No collateral needed and customer support available 7 days a week

Lender disclosure

¹Terms presented, including APR and monthly payment amount are estimated. Eligibility for a personal loan is not guaranteed. Your eligibility for a loan and actual terms depend on the information you provide in your application. Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99% with the lowest rates available only for the most creditworthy borrowers. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest. Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66.

² Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30 pm CT Monday-Friday.

New Mexico consumer brochure for common terms and definitions and regulations around rates and fees.

Avant branded credit products are issued by WebBank.

(312 reviews)

93%

would recommend

View all offers from Upstart

Recommended FICO^® Score^Θ

Poor - Exceptional

Est. APR	6.70 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$31 - $1,806

Loan details

Loan amounts from $1,000 - $50,000
APRs from 6.7% - 35.99% with loan terms of 3 or 5 years
Won't affect your credit score
You can have funds in as fast as 1 day
You are more than your credit score. On Upstart your education and experience help you get the rate you deserve.

Lender disclosure

This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate, loan amount, and loan terms are subject to change based upon information received in your full inquiry on our site. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the Upstart.com website. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000). The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. There may be an option to secure your personal loan through Upstart with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your promissory note for these details before accepting your loan.

(89 reviews)

95%

would recommend

View all offers from Reach Financial

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	7.99 - 35.99%
Term	24 - 60 mo
Loan amount	$3,500 - $40,000
Est. monthly payment	$158 - $1,445

Loan details

Customize Your Payment
90% of loans are funded within 1 day^§
No pre-payment penalties
A+ BBB Rating
100% US Based Customer Service

Lender disclosure

All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply. All loans advertised are unsecured personal loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC, as creditor, on the Reach Financial platform. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, and the loan term you select. Fixed Annual Percentage Rates (APR) range from 14.30% to 35.99%. You could receive a loan of $10,000 with an interest rate of 13.65%, an origination fee of $400, for an APR of 15.49%, which would result in total payment of $13,852 with 60 monthly payments of $230.87. Total approved loan amount reflects origination fee, which ranges from 4% to 8%.

^Â§Within 24 hours of your loan approval, loan proceeds will be available to pay the creditors named on your Truth-In-Lending Disclosure.

(31 reviews)

96%

would recommend

View all offers from Universal Credit

Recommended FICO^® Score^Θ

Fair - Exceptional

Est. APR	11.69 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $50,000
Est. monthly payment	$33 - $1,806

Loan details

Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
Quick online application -- get pre-approved in just minutes
Checking your rate won't impact your credit score
Review multiple loan options so you can pick the amount and term that fits your budget and timeline
With automatic payments and a customizable due date, managing your personal loan through Universal Credit is easy and will give you a clear payoff date

Lender disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Repayment terms from 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.

(128 reviews)

87%

would recommend

View all offers from Reprise Financial

Recommended FICO^® Score^Θ

Poor - Good

Est. APR	9.99 - 35.99%
Term	36 - 60 mo
Loan amount	$1,000 - $40,000
Est. monthly payment	$32 - $1,445

Loan details

Affordable loans from $1,000 to $35,000 with low fixed rates from 9.99% to 35.99% APR
Consolidate your debt, reduce your monthly payments or get cash back to use for just about anything
Simplify your financial picture with fixed rates, payments that stay the same, clear terms, and no prepayment penalties
Easy online account management with dedicated specialists standing by to answer your questions

Lender disclosure

Reprise Financial branded credit products are originated by WebBank in select states. To qualify for this offer you must apply and continue to meet the criteria used to select you for this offer. Your loan terms and loan approval depend on your credit history, proof of sufficient income to pay your bills (including this loan), banking history, and, for certain applicants, your ability to provide sufficient collateral. The loan offer amount is inclusive of the amount financed and any applicable fees. Loan fees (including origination fees) differ by state. Loans terms typically range from 36 to 60 months with Annual Percentage Rates (APRs) between 9.99 to 35.99%. The minimum loan amount in GA is $3,500. In all other states, the minimum loan amount is $2,500. Loan proceeds may not be used to finance gambling, illegal activity, commercial activity, or post-secondary educational expenses as defined by Regulation Z. If your loan is funded by 3pm CST (not including weekends or holidays) you will receive your funds the next business day. Interest on your loan will begin to accrue the first business day after your loan funds. Both unsecured and loans secured by your vehicle are provided. Not all applicants will qualify for unsecured loans. Loans secured by an automobile may not be available to borrowers covered by the Military Lending Act. If you apply for a loan, Reprise Financial will contact you on the phone number provided to discuss the application and your submission of an application affirms your consent to be contacted by Reprise Financial, including through an automated telephone dialing system.

Example Loan: A $9,000 personal loan with a 25% APR that is repayable in 48 monthly installments would have monthly payments of $298.73.

(52 reviews)

96%

would recommend

View all offers from Splash Financial

Recommended FICO^® Score^Θ

Good - Exceptional

Est. APR	10.59 - 28.68%
Term	24 - 60 mo
Loan amount	$5,000 - $50,000
Est. monthly payment	$232 - $1,577

Loan details

APR: 10.59% - 28.68% for Personal Loans from $5,000 to $50,000^†
Put your debt in its place with a personal loan
No impact to your credit score for checking rates through Splash¹
Funding in as little as one business day for eligible applicants²
Apply to consolidate your debt with a personal loan and make one monthly payment.

Lender disclosure

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. Prequalification APRs are estimates, final APRs may differ due to final loan terms. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer. Rates offered through this link are specific to this website. Offers through the Splash website may include different offers from lending partners, that may include higher rates. This information is current as of September 17, 2026.

^†This is not a commitment to lend and the presented loan terms and Annual Percentage Rate (APR) are not guaranteed. Splash is a loan marketplace. If you submit a loan application you may receive offers from multiple lending partners. There is no fee or penalty for repaying a loan early. Personal loans have an origination fee of 3.79-7.99%, which may be deducted from the loan proceeds. Lowest rates are reserved for the highest qualified borrowers. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay reduction will not be applied if autopay is not in effect. Not all rates and amounts available in all states. Not all applicants will qualify for the full amount. Residents of Massachusetts have a minimum loan amount of $6,000; New Mexico and Ohio, $5,000; residents of Georgia have a minimum loan amount of $3,001.

To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors.

¹To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

²Once you have successfully completed the loan application process, it typically takes one to two business days to receive funds. However, funding may take up to two weeks.

Loans feature repayment terms of 24 to 60 months depending on the lender and your qualifications. For example, if you are approved for a $10,000 loan with a 60-month term and a fixed APR of 13.83% (which includes a 11.56% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $220.23.

(44 reviews)

93%

would recommend

View all offers from Zable Personal Loans

Recommended FICO^® Score^Θ

Fair - Very Good

Est. APR	13.37 - 35.99%
Term	12 - 60 mo
Loan amount	$1,000 - $15,000
Est. monthly payment	$89 - $542

Loan details

Quick and easy online application. Most applications complete in less than 10 minutes.
No Prepayment Penalties
Zable loan offers are pre-approved, so what you see is what you get. Offer rates don’t change after application.
Same day ACH for applications approved before 3:30 pm EST.
Zable is rated excellent on Trustpilot.
Funds in as few as 5 days⁴ - No waiting for months on end for the funding you need.
No personal collateral required - Get funded without leveraging your personal assets.
Dedicated concierge service - Speak to highly trained loan specialists who are available around your busy schedule.
Simplified finances - Take advantage of affordable, extended-term¹ financing to pay down your debt and turn multiple bills into a single loan.
20+ years of lending experience - We understand your unique needs and will provide you with a fully tailored financial solution.

Lender disclosure

Approval is subject to Income and identity verification; fraud, credit, and bank account checks; and state law restriction. Credit checks include whether unsecured personal loans were found to be obtained within the past 90 days from this loan application. Bank accounts must have a positive balance on the information provided at the time of application and are subject to review.

This offer is conditioned upon your submission of a complete application, and our final approval based on our consideration and verification of financial and non-financial information. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, and resides in the US. Not all applicants will qualify. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you proceed with your application, we do another (hard) credit inquiry that may impact your credit score. .

Zendable, LLC is registered in New York as Zendable of New York, LLC under the assumed name Zable. Zendable, LLC and Zable loans are made by Cross River Bank, Members FDIC, Equal Housing Opportunity Lenders. This is not a deposit product.

How to find the best personal loan for you

Know your FICO^® Score^Θ

It plays a big role in the personal loans you’re likely to qualify for, and the rates and terms you might get.

Compare loan options

Determine how much you’ll need, then look for a low APR and monthly payment that fits your budget.

Look for extra benefits

Consider lender-specific perks, like getting a reduced interest rate if you set up autopay.

Get pre-qualified

Once you find a personal loan to apply for, pre-qualifying first can tell you if you’re likely to be approved.

No impact to your credit scores if you're not approved

Experian's No Ding Decline™^⊛

When applying for a loan, most lenders will perform a hard inquiry on your credit report which can negatively impact your credit scores. With Experian's No Ding Decline™, only a soft inquiry is performed when applying for loans labeled No Ding Decline, so if you are declined there is no impact to your credit scores.

See your loan options

Personal loans can help you save money compared to a credit card

Using a $5,000 personal loan instead of a credit card could potentially save you $284 in interest and lower your monthly payment.

High-interest rate credit card

Balance: $5,000
Monthly payment: $469for 12 months
Average Annual Percentage Rate (APR): 22.3%
Total paid over 12-month term: $5,624

Personal loan

Balance: $5,000
Monthly payment: $445for 12 months
Average Annual Percentage Rate (APR): 12.3%
Total paid over 12-month term: $5,340

Estimated interest
savings

Save $284

Savings and rates are illustrative. Results will vary and some may not see savings.

Personal loan calculator

Use this calculator to compare loan amounts, rates, and terms to estimate what you'll pay for your loan.

Frequently asked questions

Your monthly payment for a $5,000 loan will depend on the term length and interest rate lenders offer based on your creditworthiness. You can use the personal loan calculator above to get an estimate of what your monthly payment would be.

For example, a $5,000 loan with a 12% interest rate and a term length of 60 months would have a monthly payment of $111.22.

Yes, you can still get a $5,000 loan with bad or no credit. However, unless you are in an emergency situation, we advise borrowers with bad credit to improve their credit first if possible. That way they can avoid higher interest rates and fees on their loan.

Most lenders offer funding within the same to three business days of being approved for your $5,000 loan. Lenders will generally be able to tell you how fast you can expect to receive your funds if you ask. If you are in need of quick cash, be sure that you are working with a lender that will fit your timeline.

No, most $5,000 loans are considered unsecured personal loans. This means that you do not need to put up any sort of collateral, like a car or property. This helps make the application process faster and easier.

A $5,000 loan is very flexible and can be used on nearly anything, including:

Emergency expenses
Debt consolidation
Home repairs
Medical bills
Large purchases

Yes, personal loans for small amounts are generally better than taking out a cash advance or payday loan. Personal loans have lower interest rates, fewer fees and better repayment terms than cash advances and payday loans. Using a cash advance or payday loan often means extremely high fees and short repayment periods that can lead to a cycle of debt.

Payday loans are capped at $300 to $1,000, depending on the state you live in. For a $1,000 loan, you could save up to 73% (or $220) in additional costs by choosing a personal loan.

	Personal Loan	Payday Loan
Payment schedule	$90 per month for 12 months	$1,150 to $1,300 lump sum after 2 weeks
Total interest and fees	$80	$150 to $300

If you are unable to pay the full payday loan amount, you could quickly increase the amount you owe by rolling over debt. You could incur up to an extra $7,800 by extending a payday loan for a full year without paying down the principal.

Explore more personal loans

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Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

^†Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Get a $5,000 personal loan today

Best $5,000 personal loans from our partners

Best for same-day funding: SoFi

Best for quick funding: LendingPoint

Best for small amounts: Upgrade

Best for debt consolidation: Happy Money

Best for peer-to-peer lending: Prosper

How to find the best personal loan for you

Know your FICO® ScoreΘ

Compare loan options

Look for extra benefits

Get pre-qualified

No impact to your credit scores if you're not approved

Experian's No Ding Decline™⊛

Personal loans can help you save money compared to a credit card

High-interest rate credit card

Personal loan

Personal loan calculator

Frequently asked questions

How much will a $5,000 loan cost per month?

Can I get a $5,000 loan with bad or no credit?

How long will it take to receive the funds for my $5,000 loan?

Do I need collateral for a $5,000 loan?

What can I use my $5,000 loan for?

Are personal loans for small amounts better than a cash advance or payday loan?

Learn more about personal loans

What Credit Score Is Needed for a Personal Loan?

6 Personal Loan Requirements to Know Before You Apply

What's the Smallest Personal Loan I Can Get?

What Is a No Ding Decline Personal Loan?

Personal Loan vs. Credit Card: What’s the Difference?

How to Get a Personal Loan With No Credit Check

Know your FICO^® Score^Θ

Experian's No Ding Decline™^⊛