Find a $90,000 personal loan
Image: 90000Where to get a $90,000 loan
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Several lenders offer $90,000 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 $90,000 loans, along with a simple guide to applying for personal loans to help you in your shopping process.
Monthly payments for a $90,000 personal loan
| Loan duration | Average monthly payments ($90,000 loan) | |||
|---|---|---|---|---|
| Poor credit | Average credit | Good credit | Excellent credit | |
| 1–12 months | $30,953.50 | $30,543.50 | 29,007.00 | $26,964.00 |
| 13–24 months | $4,194.95 | $3,532.29 | $4,165.75 | $4,200.55 |
| 25–36 months | $2,935.23 | $2,487.54 | $2,898.12 | $2,862.25 |
| 37–48 months | $2,432.11 | $2,028.58 | $2,370.72 | $2,325.88 |
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 $90,000 personal loans
SoFi
You may need strong credit to qualify with SoFi. But if you do, you can access specialized perks in addition to competitive rates. And if you lose your job through no fault of your own while you’re paying off a SoFi loan, you may be able to temporarily modify your payments.
LightStream
Only borrowers with good-to-excellent credit can qualify with LightStream, but the lender offers competitive interest rates and a rate discount for autopay. Unfortunately, there’s no prequalification process available.
Wells Fargo
You won’t be charged an origination fee or prepayment penalty. And setting up autopay will qualify you for an interest rate discount. But you must already be a Wells Fargo customer to apply for a loan. And while Wells Fargo offers a rate-estimate calculator, it doesn’t provide the option to prequalify, so your only application option comes with a hard credit check.
USAA
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.
How to get a $90,000 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)
You may be able to receive your money within a few days if you apply for a personal loan, but your timeline could be a month or more if you want to use your home equity as collateral. (The exact timing will also depend on your bank.)
FAQs about $90,000 loans
Your ability to get a $90,000 loan typically depends on your credit profile and a lender’s requirements for approval. For instance, a borrower with bad credit may only be able to get approved from a lender that specifically advertises loans for people with less-than-perfect credit. Applicants with lower credit scores will likely get offers with higher interest rates and fees than people with stronger credit scores get.
$90,000 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.