Check your Approval Odds for a $2,500 loan

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Where to get a $2,500 loan


3 min read
This date may not reflect recent changes in individual terms.

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Taking out an $2,500 loan can be a smart move if it helps you achieve a financial goal.

But you’ll want to make sure you understand what type of personal loan is best for your situation and how those monthly payments will fit into your budget. 

We’ll walk you through our recommendations for lenders to consider and how to apply for a loan.

Monthly payments for a $2,500 personal loan

Loan durationAverage monthly
payments ($2,500 loan)
Poor creditAverage creditGood creditExcellent credit
1–12 months$277.25$248.19$232.73$223.09
13–24 months$185.06$159.27$140.02$124.69
25–36 months$107.27$97.91$90.82$82.33
37–48 months$99.98$90.09$82.09$69.96
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 $2,500 personal loans


Discover’s loans come with no origination fees, and there are a wide variety of loan terms to choose from. If you want to consolidate debt with a personal loan, Discover will pay your creditors directly. But take note: You won’t be able to apply with a co-signer.

OneMain Financial

OneMain offers flexible repayment terms, and you can use its loan and payment calculator to estimate your potential monthly payments. There are lots of fees with this lender though, including origination fees, late payment fees, nonsufficient funds fees and governmental fees. OneMain’s starting interest rates are relatively high compared to traditional lenders — you may find a better deal elsewhere if you’ve got good credit.

TD Bank

TD Bank doesn’t charge origination or application fees, and there are no prepayment penalties. But the lender doesn’t offer many options for the length of your loan and may not offer loans in your state.


You can get an autopay discount on your interest rate, and you won’t pay application or prepayment penalty fees. But only USAA members can apply, and membership is limited to veterans, service members and military family members.

Rocket Loans

Rocket Loans’ application process is entirely online. If you’re approved for a personal loan, same-day funding is available and there are no prepayment penalties. But you’ll be charged an origination fee, and there are limited repayment options.

How to get a $2,500 loan

Before searching for a $2,500 loan, it’s a good idea to check your credit scores and reports. Understanding your credit situation can help give you a sense of your ability to get a $2,500 loan and the kinds of loans that might be available to you.

After checking your credit, you can begin to shop around for a loan. It might be helpful to see what your bank or credit union has to offer, but it’s best to compare potential options from various lenders so you can find the best rates and terms for you. 

If a lender offers prequalification, you can see the terms you might be offered without affecting your credit. Just keep in mind that you might need to provide personal information required to run a soft inquiry on your credit reports. And there’s no guarantee your estimated terms will be your final ones.

Once you’ve researched available loans, you can start to assess the best option for you. Making sure your lender will offer you a loan at your preferred amount is a necessity, but the lender might also have eligibility requirements and state availability restrictions that determine your ability to apply, including your intended use for the funds. You might also want to consider how fast the lender may send you your funds after approval.

Your potential interest rate, the length of the loan and any fees will affect the overall cost. We recommend using a loan calculator to determine how much you might end up paying over the life of the loan. 

FAQs about $2,500 loans

How fast can you get an emergency loan?

With emergency loans you can potentially get funds transferred to your bank account on the same day you’re approved, but the exact timing depends on the lender and your bank. If you need fast funding, it’s best to contact lenders directly to get a clear idea of how (and how quickly) they might send your funds. Keep in mind that speed can come at the cost of high interest rates and fees.

Is it easy to get a $2,500 loan?

The ease of getting a $2,500 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 a $2,500 loan with no credit?

$2,500 loans may be available to people with no credit or bad credit, these options likely will come with higher interest rates, fees, or even the need to provide collateral to get approved. If you don’t have a strong credit history, lenders might consider you a risk and structure your loan terms with that in mind. It’s a good idea to apply to prequalify with various lenders so you can shop around and compare potential offers without a hard credit inquiry that can temporarily hurt your credit scores.