Best Emergency Loan Rates In August 2022 | Bankrate
The minimum credit score typically required to qualify for a loan with a given lender. Exact thresholds are not always disclosed by a lender and in certain cases the minimum score is the best estimate based on publicly available information. Credit score refers to FICO 9.0 unless otherwise stated.
The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan.
4.8
Bankrate Score
APR from
6.95-
35.97%
with AutoPay
Loan Amount
$1k-
$50k
Term: 2-7 yr
Min. Credit
Not disclosed
See Offers
- Personal loans up to $50,000 with low fixed rates that will never change
- Affordable monthly payments that fit your budget and no prepayment penalties
- Fast Funding —You should receive your funds within a day of clearing verifications†
- No obligation and no impact to your credit score when you check your rate
- Use your loan through Upgrade to pay on high interest credit cards, make a large purchase, finish that home improvement project, or almost any life event!
* Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 6.95%-35.97%. All personal loans have a 1.85% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your tài khoản and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.
†Accept your loan offer and your funds will be sent to your bank or designated tài khoản within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.
Fast Funding —You should receive your funds within a day of clearing verifications†
APR From
6.95
%
Loan Amount
$1k-
$50k
Min Credit
Not disclosed
See Offers
Check rate with Bankrate
4.7
Bankrate Score
APR from
5.99%
3 or 5 year term
Loan Amount
$2k-
$50k
Term: 3-5 yr
Min. Credit
660
See Offers
- Get a personal loan up to $50,000 with a fixed APR from 5.99% to 35.99%,Get money in as little as one business day, upon approval and verification,Join more than 450,000 customers at a trusted company with an A+ BBB rating,Use it for almost anything: consolidate debt or other unexpected expenses
DISCLOSURE UPDATE AS OF 07.2021
Trustpilot TrustScore as of June 2020.
Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable.
The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank tài khoản within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000 – $50,000. Residents of Massachusetts have a minimum loan amount of $6,500; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $50,000. Annual Percentage Rates (APRs) range from 5.99% – 35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99% – 5.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate.
You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an tài khoản. What this means for you: When you open an tài khoản, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
APR From
5.99
%
Loan Amount
$2k-
$50k
Min Credit
660
See Offers
Check rate with Bankrate
4.6
Bankrate Score
APR from
7.99-
22.73%
with AutoPay
Loan Amount
$5k-
$100k
Term: 2-7 yr
Min. Credit
Not disclosed
See Offers
- Personal loans from $5,000 to $100,000
- Low fixed rates (with AutoPay) and no origination fees
- Checking your rate will not affect your credit score
- Simple online application and live customer support
*Personal Loan Disclaimer Fixed rates from 7.99% APR to 22.73% APR APR reflect the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi rate ranges are current as of 8/1/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking tài khoản. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking tài khoản.
APR From
7.99
%
Loan Amount
$5k-
$100k
Min Credit
Not disclosed
See Offers
Check rate with Bankrate
4.6
Bankrate Score
APR from
7.95-
35.99%
Loan Amount
$2k-
$40k
Term: 3-5 yr
Min. Credit
560
See Offers
- More than $16 billion in loans funded
- 9 out of 10 customers would recommend Prosper to friends or family*
- Co-borrower option available. Applying with a co-borrower could help improve your rates
- Get your money in as few as 3 business days, your monthly payment stays the same
For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers.
Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your tài khoản and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.
APR From
7.95
%
Loan Amount
$2k-
$40k
Min Credit
560
See Offers
Check rate with Bankrate
4.5
Bankrate Score
APR from
9.95-
35.99%
Loan Amount
$2k-
$35k
Term: 2-5 yr
Min. Credit
550
See Offers
- Personal loans from $2,000 to $35,000 online.
- Competitive rates from 9.95% – 35.99% APR and terms from 24 to 60 months
- Checking your loan options has no impact to your credit score.
- Fast Decisions, see your loan options in minutes
- Funding as soon as next business day
*A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33. Minimum loan amounts may vary by state. If approved, the actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. An administration fee of up to 4.75% will be deducted from the loan proceeds. Avant branded credit products are issued by Webbank, member FDIC.
APR From
9.95
%
Loan Amount
$2k-
$35k
Min Credit
550
See Offers
Check rate with Bankrate
APR from
7.99-
35.99%
Loan Amount
$1k-
$35k
Term: 1-3 yr
Min. Credit
None
See Offers
- Stilt is a mission-driven fintech company focused on providing credit to international students, immigrants and the underserved. We build products to improve financial inclusion and democratize access to the credit through providing accessible and reasonable personal loans.
- Immigrants, international students, other visa
holders and those underserved by the traditional banking system often encounter many struggles while trying to build credit, apply for personal loans and build their financial future. Stilt’s services allow them to take a step forward in their path to financial health by applying for a personal loan with a unique qualifying process like Stilt’s. - Stilt is focused on improving financial inclusion and access to credit at reasonable rates.
APR From
7.99
%
Loan Amount
$1k-
$35k
Min Credit
None
See Offers
Check rate with Bankrate
4.3
Bankrate Score
APR from
34.00%
Loan Amount
$1k-
$10k
Term: 0.5-5 yr
Min. Credit
None
See Offers
- Loans from $1,000 to $10,000 (loan amounts, costs & terms vary by state)
- No application or prepayment fees
- Check your eligibility without affecting your FICO score
NetCredit is an industry-leading online financial services provider. Depending on your state, your loan will be originated by NetCredit or a lending partner bank. You may be asked to provide additional documents to verify your income, identity and bank tài khoản. In some states, Annual Percentage Rate may be inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments may incur additional fees and may increase the cost of your fixed rate loan. Please refer to NetCredit’s Terms of Use, Rates & Terms and Borrower Agreement for all terms, conditions and requirements.
APR From
34
%
Loan Amount
$1k-
$10k
Min Credit
None
See Offers
Check rate with Bankrate