Check your Approval Odds for a $6,500 loan

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Where to get a $6,500 loan


2 min read
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A $6,500 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 $6,500 loans and put together some tips to help guide you through the process of applying.

Monthly payments for a $6,500 personal loan

Loan durationAverage monthly
payments ($6,500 loan)
Poor creditAverage creditGood creditExcellent credit
1–12 months$634.00$623.26$593.11$569.05
13–24 months$351.54$328.85$309.03$296.12
25–36 months$251.37$237.09$220.20$206.29
37–48 months$220.76$211.59$189.94$169.30

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 $6,500 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.


The Affirm app is worth considering if you want to make online or in-store purchases and pay for them with four (potentially interest-free) installments. But you might need a down payment, and if you spread out your payments over a longer period, you may face interest.

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.


Happy Money’s credit card debt consolidation loan, known as the Payoff loan, doesn’t come with prepayment penalties or late fees, but it has an origination fee. You must have a credit score of 640 or higher to qualify with no delinquencies, so the loan won’t be the right fit for everyone.


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.

How to get a $6,500 loan

Applying for a $6,500 loan can take some work, but it’s worth the effort if you can save money by consolidating debt at a lower rate or finance a necessary purchase.

Start by collecting basic information about your finances, such as …

  • W2s
  • Recent paystubs
  • Identification/Social Security number/driver’s license
  • Desired loan amount
  • Monthly expenses, such as housing costs and debt
  • Information about any collateral you want to use 

From there, it’s a good idea to apply for prequalification. This lets you preview your potential rate without a hard credit inquiry. It will also give you a good idea of which lender may be the best fit for you.

Once you decide to move forward and officially apply though, the lender will likely perform a hard credit inquiry that can have a temporary effect on your credit scores. 

If you apply for a personal loan, you may be able to access money within a few days.

FAQs about $6,500 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.

How hard is it to get a $6,500 loan?

$6,500 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 $6,500 loan with no credit?

$6,500 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.