Personal Loans

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.

Same-Day Mortgage

Rate makes it quick & easy.

At reasonable rates with personalized terms.

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.

Number 1 icon

Check your rate

Select your loan amount, and see your loan options without impacting your credit score.

Number 2 icon

Customize your loan

Choose from three repayment terms to find interest rate and monthly payment that fits your budget.

Number 3 icon

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.

Personal loan FAQs

What is a personal loan from Rate?

Will applying for a personal loan affect my credit score?

What are the benefits of obtaining a personal loan?

What are the interest rates?

How much can I borrow?

How long will it take to get my money?

Who can I contact for more information about the personal loan product?

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.

Equal Housing Lender Badge

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.

Version: release/2025-02-17-8773988