Personal loans
One fixed payment. One clear path forward.
Get a lump sum for the expense in front of you, then repay it in predictable monthly installments.
Checking your rate won’t affect your credit score.
At a glance
- Loan amount
- Varies by applicant
- Example APR range
- 59%–160%
- Repayment term
- 9–18 months
- Application fee
- $0
- Prepayment penalty
- $0
Example terms only. Availability and pricing vary by applicant and state.
Predictable
Your scheduled payment stays the same through the loan term.
Flexible timing
Choose from the available term shown in your personalized offer.
Fast process
Apply online and receive a decision without branch visits.
What you can expect
Straightforward from start to finish.
Complete the application
Share your requested amount, contact details, address, and income.
Review your personalized offer
See your approved amount, APR, term, and monthly payment before continuing.
Track repayment online
Use your account to see the balance, due date, and payment history.
Before you apply
Have these details ready to keep the process moving:
- Your contact information and home address
- Your employment or income source
- Your monthly income after taxes
- An active Fast Access account to view your offer
Common loan uses
For planned needs and unexpected moments.
Personal loan questions
Will checking my rate hurt my credit score?
No. The initial rate check is designed not to affect your credit score.
Can I pay my loan off early?
Yes. There is no prepayment penalty in the example terms shown on this site.
When could funds arrive?
Funding timing depends on final approval and bank processing. Approved funds may arrive as soon as the next business day.
Are these final rates?
No. Rates, amounts, terms, and disclosures are placeholders until Fast Access supplies approved lending terms.
See your personal loan options.
A quick rate check starts with a few simple details.