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Members who compare personal loan offers on Credit Karma save an average of over 25% on interest rates. **

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Personal Loan FAQs

What are the types of personal loans?

There are two types of personal loans — secured and unsecured. Unsecured personal loans aren’t backed by collateral. The lender decides whether you qualify based in part on your financial history. If you don’t qualify for an unsecured loan or want a lower interest rate, some lenders also offer secured loans. Secured personal loans are backed by collateral, such as a savings account or CD. If you’re unable to make your payments, your lender typically has the right to claim your asset as payment for the loan.

Does applying for a personal loan impact your credit score?

Creditors may review your credit reports and scores when you apply to open a new line of credit. This typically causes a hard inquiry, which may lower your credit scores by a few points regardless of whether you’re approved or declined.

What is the best place to get a personal loan?

Personal loans can be a good option for getting cash to help you to consolidate debt or pay for emergencies, like home or car repairs. But before you sign up for a loan, research your lender options — including banks, credit unions and online lenders.

How can I get a personal loan from a bank?

The process for getting a personal loan from a bank may differ from bank to bank. Banks typically offer an in-person or online application process. Some may even offer both options. Approval and funding times may also vary depending on the bank. Some banks may offer same-day funding, and some banks may take a few days (or longer) to get your funds transferred to your bank. Be aware that certain banks may only offer personal loans to existing and established customers.

How much can you borrow with a personal loan?

How much you can borrow with a personal loan depends on the lender and your credit profile. Some lenders may offer personal loans up to $100,000. But large personal loans are not offered by every lender and may be harder to qualify for.

You can also borrow a relatively small amount in a personal loan. Some lenders offer personal loans as low as a few hundred to a few thousand dollars.

How long does it take to get a personal loan?

The application process for a personal loan generally doesn’t take very long if you have all of your documents handy. Once you apply, lenders then need time to review your application, which may take up to a week or longer.

Some lenders offer same-day financing upon approval, and some lenders may take a few days to transfer the funds. If you need the funds quickly, check any lender’s funding policy before applying.

*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

** Based on aggregate member personal loan origination data from January 2025 to June 2025 for amounts of $1,000 or more. Comparison is based on estimated average interest rates for members who found personal loans through Credit Karma with estimated average interest rates for members who found personal loans elsewhere with Credit Karma personal loan partners.

ELIGIBILITY AND ADDITIONAL DETAILS; PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. The offers you see on this page have rates that range from 5.59% APR to 35.99% APR with terms from 1 to 10 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender’s terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts.

PERSONAL LOAN REPAYMENT EXAMPLE. The following example assumes a $15,000 personal loan with a four year (48 month) term. For APRs ranging from 5.59% to 35.99%, monthly payments would range from $349 to $594. Assuming all of the 48 payments are made on-time, the total amount paid would range from $16,774 to $28,492.