Apply in Minutes, get your funds in days
Borrow up to $50,000 for home improvements,
major purchases, consolidating debt, and more!!*
Checking your rate will not impact your credit score.
Say goodbye to high-interest debt! Check your rate for a personal loan
Say goodbye to high-interest debt!
Rate makes it quick & easy.
At reasonable rates with personalized terms.
Low rates
Easy fixed-rate monthly payments
Fast application
Apply in as few as 10 min
Quick turnaround
Funds in 1-2 business days
Repayment options
From 1-5 years
Low rates
Easy fixed-rate monthly payments
Fast application
Apply in as few as 10 min
Quick turnaround
Funds in 1-2 business days
Repayment options
From 1-5 years
Get the extra financial help you need.
Use your Rate personal loan to help:
Get the extra financial help you need.
Use your Rate personal loan to help:
As easy as 1-2-3!
*Representative example of repayment terms for an unsecured personal loan: For $20,000 borrowed over 36 months at 10.74% APR (including 0.25% autopay discount), the monthly payment is $652.37. This example is an estimate only and assumes all payments are made on time.
Check your rate
Select your loan amount, and see your loan options without impacting your credit score.
Customize your loan
Choose from three repayment terms to find interest rate and monthly payment that fits your budget.
Get your funds fast
Upon approval, sign your loan contract and then you’ll have your funds. It is that simple.
Checking your rate will not impact your credit score.
Still curious about personal loans? Read on.
Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611).
Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.
Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: AR, CO, FL, IA, KS, LA, MA, ME, MN, NC, PA, RI, SC, TX, VT, WI and WY (rate); AK, CA, IL, MA, NH, NM, RI and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 12/4/24 and are subject to change without notice.
An origination fee of 0%-3.5% is charged for each loan, which will be deducted from any loan proceeds you receive, and are subject to state requirements. Restrictions apply, please refer to rate.com/personal-loans for more information.
Personal loans are only available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, WA, WI and WY as of 12/04/24. Loan applications outside of these states will not be accepted at this time.
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Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
Copyright © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.
NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org.
Arizona Mortgage Banker License #0907078
3940 N. Ravenswood Chicago, IL 60613
Operating as Guaranteed Rate, Inc. in New York.
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.