Check your Approval Odds for a $1,800 loan

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Where to get an $1,800 loan


3 min read
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Several lenders offer $1,800 loans, but the right option for you depends on your financial situation.

If you qualify, a personal loan can come with competitive interest rates and minimal or no fees. But finding the right fit depends on several factors, including your credit profile.

We’ve selected our favorite lenders that offer $1,800 loans, along with a simple guide to applying for personal loans to help you in your shopping process.

Monthly payments for an $1,800 personal loan

Loan durationAverage monthly payments ($1,800 loan)
Poor creditAverage creditGood creditExcellent credit
1–12 months$294.84$260.74$199.19$158.28
13–24 months$163.92$146.54$127.86$103.31
25–36 months$84.57$77.56$71.97$63.82
37–48 months$80.98$71.72$60.26$55.06

Average monthly loan payments are based on aggregate TransUnion credit report data from Credit Karma members with active personal loans as of December 2022

The best $1,800 personal loans


A LendingClub personal loan may be a good fit if you want to consolidate debt, since it can pay your creditors directly. But you’ll need good credit to qualify for the lowest rates and might have to pay an origination fee.

Mariner Finance

Mariner Finance is worth considering if you don’t have the best credit or have a bankruptcy on your record and want a small personal loan. But you might have to complete the application process in person at a local branch.

Digital Federal Credit Union

Digital Federal Credit Union can be a good option if you’re a member (or membership eligible) and would like to explore multiple loan options. This is particularly true if you can lock in the automatic payment and relationship discount. DCU doesn’t offer prequalification, so checking your loan eligibility will mean a hard credit check.


Personify Financial might be a good option if your credit isn’t great and you need to borrow a small amount of money quickly. You’ll likely have to pay a very high interest rate and an origination fee, which can make your loan more expensive. But the lender offers prequalification, which can help you see your potential rate and other terms before applying.


Upstart considers your education and employment in addition to your credit, so it may be a good option if your credit isn’t great. But borrowers with bad credit could end up paying higher interest rates, and Upgrade charges an origination fee that adds to the cost of the loan.

How to get an $1,800 loan

Before you take out a loan, you’ll want to consider what you want to finance with the money. 

For instance, if you want to renovate your kitchen, you may want to take out a home equity loan instead of a personal loan. But if you don’t own a home and want to consolidate debt, a personal loan will probably make the most sense. 

It’s also a good idea to apply for prequalification with several lenders before you make a final decision. Prequalification lets you preview your potential rate and compare loan offers without a hard credit inquiry. Just keep in mind that if you decide to move forward with a lender, they’ll likely run a hard credit inquiry that can affect your scores temporarily.

There are some basic pieces of information you’ll want to have available before you apply, including …

  • Paystubs
  • W-2s
  • Driver’s license/Social Security number/identification 
  • Monthly expenses, such as housing or other debts
  • How much you want to borrow
  • Information about any collateral (if you’re applying for a home equity loan, HELOC or secured personal loan)

Depending on your lender and bank, you may be able to receive your money within a few days of approval.

FAQs about $1,800 loans

How can I get a loan immediately?

Depending on the lender and your bank, you may see personal loan funds within a few days — or even on the same day — of approval. But there’s no guarantee and ultimately it’ll depend on the policies of the lender and your bank. Some lenders may promise same-day payday loans or fast funding, but they can come with a high interest rate or costly fees. Consider if the speed is worth any associated costs or other compromises.

Is it easy to get an $1,800 loan?

The ease of getting a $1,800 loan depends on your credit and a lender’s specific approval requirements. Borrowers with higher credit scores are more likely to be approved for a broader range of loans and with better terms. But certain lenders market to people whose credit is on the lower end of the spectrum, which takes some guesswork out of the application process. Those lenders likely charge higher interest rates and fees to applicants with bad credit. So when shopping for loans, look at a lender’s full range of rates and fees, not just their lowest advertised terms, and use prequalification to get an idea of what those terms might be for you.

Can you get an $1,800 loan with bad credit?

Many lenders consider applicants with less-than-perfect credit, so they may be a better choice if you’re looking to get approved for a loan. Even so, loans for bad credit tend to come with higher interest rates and fees. If you have bad credit, look for lenders that offer prequalification — this can give you an idea of the terms you might be offered before you commit, without hard inquiry that can temporarily bring your scores down further.