Get the cash to carpe diem
We offer low-cost, zero-fee personal loans for debt consolidation and important life expenses. Fixed rates start at 5.99% for loan amounts from $5K-$75K.2 Min: Get My Rate
We evaluate extra data beyond your credit score, like your savings habits, education, and earning potential. This helps us build a better picture of your full financial profile so we can offer you the lowest possible rate.
You will receive a prompt response to your personal loan application. Read our eligibility guide for more on how we evaluate your application.
You'll always reach a real human, whether you're seeking answers by email or phone.
Quick funds to make milestones possible
People use our personal loans for life's biggest moments
It happens. Sometimes major life expenses exceed the amount of savings you have available. So from refinancing high-interest credit card debt to paying for engagement rings, renovations, weddings and more, personal loans can help you afford the memories and milestones than make life so amazing.
Common questions about personal loans
Simply put, a personal loan lets people borrow money for a set timeframe (known as the loan term), and pay it back in even monthly payments. It is an unsecured loan, meaning there is no asset/property that can be reclaimed by the lender (as with a mortgage or car loan).
Unlike some loans that take into account down payments or collateral, a personal loan’s APR (annual percentage rate) is based solely on the borrower’s credit history. Some services like Credit Karma now allow you to check your credit report for free prior to applying for a loan, without affecting your credit score.
We are able to make a decision on most personal loan applications within 5-10 business days. This timeline can vary depending on what additional information is required to process your request. Please keep an eye on the email address associated with your account for updates.
Once you accept and enter your bank account details, we will transfer the funds by the next business day. You will usually see the loan transfer into your account within 1-2 business days after signing.
We can consider approving your loan at a lower amount if you modify your application prior to our decision. Contact our Client Happiness team via email, chat, or phone to request this change or adjust the request by logging in to your Earnest account.
Learn personal loan fundamentals on our blog
Preview Your Personal Loan Options
The chart below displays the range of loan options for APR (annual percentage rate), monthly payments, and total payments based on a hypothetical $10,000 loan amount. Your own interest rate will depend on the term you choose, as well as your financial profile. Visit our eligibility page to see our eligibility criteria for personal loans.
|Term||Origination Fee||Rate (Fixed APR)||No. of Payments||Monthly Payment||Total Payments|
|3 Years||None||5.99% - 13.74%||36||$304 - $341||$10,950 - $12,259|
|4 Years||None||6.49% - 15.74%||48||$237 - $282||$11,381 - $13,540|
|5 Years||None||7.24% - 17.24%||60||$199 - $250||$11,949 - $14,989|