Check your Approval Odds for a $2,700 loan

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Where to get a $2,700 loan


3 min read
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A $2,700 loan can help you consolidate debt, fund a home improvement project or finance a major purchase.

The right personal loan can offer competitive rates, minimal fees and a reasonable timeline for repayment. But not all personal loans feature great terms, and it can be hard to find the lender that’s the right fit for your needs.

We’ve picked out some of the best lenders that offer $2,700 loans and put together some tips to help guide you through the process of applying.

Monthly payments for a $2,700 personal loan

Loan durationAverage monthly
payments ($2,700 loan)
Poor creditAverage creditGood creditExcellent credit
1–12 months$381.81$365.41$283.62$236.88
13–24 months$202.46$177.00$153.33$127.90
25–36 months$132.58$121.82$110.98$96.01
37–48 months$107.38$102.25$97.71$83.75

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 $2,700 personal loans

PNC Bank

A PNC Bank personal loan might be worthwhile if you need a personal loan and have good credit or can apply with a co-applicant with a solid credit history. But it’s not available in every state, and you’ll need to borrow a larger sum of money to lock in the lowest rate.

Best Egg

Best Egg offers competitive rates for those with good or excellent credit. There are no prepayment penalties on the loan, but you’ll have to pay a one-time origination fee. If approved, you may see the money quickly — Best Egg says about half of its customers receive the funds the next business day.

Alliant Credit Union

Alliant Credit Union might be a solid choice if you’d like a personal loan with flexible repayment terms and the potential for a same-day loan. (Depending on your bank, there may be a wait before you can access your cash.) But you must meet certain membership criteria to join this credit union and apply for a loan.


Rise Credit might be worth considering if you have fair or bad credit and want a personal loan without origination fees or prepayment penalties. Since it reports to the major credit bureaus, it can help you improve your credit. But interest rates can reach well into triple digits.

Republic Finance

Republic Finance lets you apply for prequalification online, but it isn’t available in all 50 states. There’s also limited information on its site about rates and loan terms — and depending on what you qualify for, you may have to visit a branch in person to apply and close on your loan. If you’ve got good credit, you may find a better deal elsewhere due to this lender’s relatively high rates.

How to get a $2,700 loan

Getting a $2,700 loan starts with taking stock of your financial situation. Checking your credit can give you a sense of the kind of terms you might receive on a loan, as well as help set expectations for the shopping process.

When you’re ready to apply for a personal loan, you’ll first want to narrow your search based on eligibility requirements. Make sure lenders offer the $2,700 loan you’re looking for, but you’ll want to consider other factors as well. 

For instance, not every lender works in every state, and some might not allow you to use your loan funds for your intended purpose.

Once you have a list of possible lenders, it’s a good idea to see if they offer prequalification, which allows you to see your potential rates and terms without triggering a hard credit inquiry. While prequalification doesn’t involve submitting a formal application, you should expect to provide personal information such as your income.

Keep in mind that prequalification is not a guarantee of approval or exact terms. You’ll still need to apply formally, which usually involves a hard credit check and have a temporary impact on your credit.

The best available lender might not be the one that listed the lowest interest rate during prequalification. Other fees, such as an origination fee or prepayment penalty, could affect your total cost, so make sure to consider them when determining the most affordable loan. 

We also recommend using a loan calculator to determine the total cost of a potential loan.

FAQs about $2,700 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.

How hard is it to get a $2,700 loan?

$2,700 loans may be available to borrowers with different kinds of credit histories, but each lender will have its own requirements for approval. It’s worth keeping in mind that the best loan terms usually go only to people with excellent credit. If a lender advertises rates starting in the single digits, try to find out their full range of available rates and fees to get a better sense of their offerings.

Can you get a $2,700 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.