Loans by amount
Pick the number. We'll show the month.
Four amounts people actually search for, each with its own page: what it covers, what it costs per month at a common rate, what income it wants, and when to borrow less. $200 to $5,000 in $50 steps between them.
Car trouble, a vet visit, an overdraft you can see coming
from $92.30/mo · 6 monthsOpen
A stack of bills, a deposit, a dental bill the plan didn't cover
from $100.46/mo · 12 monthsOpen
Moving costs, a transmission, two cards into one
from $145.41/mo · 18 monthsOpen
Consolidation, a medical balance, a planned expense
from $235.34/mo · 24 months, good creditOpenMonthly figures at 35.99% APR except $5,000 at 11.99% (personal loan, good credit). Representative example: $2,500 over 12 months at 35.99% APR is $251.14 a month, $3,013.71 total. Your offer shows your rate, payment and total before you sign; declining costs nothing.
The income each amount wants.
Lenders approve on income and bank history, not a score. The working rule most of them use: the payment should sit at or under about 12% of your monthly take-home. Type yours and the ruler marks what fits.
A rule of thumb, not an underwriting formula; lenders also look at existing debt and how often the account dips below zero. Requirements
| Amount | Illustrative plan | Monthly | Monthly take-home | About a year |
|---|---|---|---|---|
| $500 | 6 mo @ 35.99% | $92.30 | $750+ | $9,000+ |
| $1,000 | 12 mo @ 35.99% | $100.46 | $850+ | $10,000+ |
| $2,000 | 18 mo @ 35.99% | $145.41 | $1,200+ | $15,000+ |
| $3,000 | 24 mo @ 35.99% | $177.13 | $1,500+ | $18,000+ |
| $5,000 | 24 mo @ 35.99% | $295.21 | $2,450+ | $30,000+ |
| $5,000 | 24 mo @ 11.99% | $235.34 | $1,950+ | $24,000+ |
The amount picks the product.
You fill in one request. The number you ask for, with your income and credit, decides which of the three loan types the offer comes back as.
One payday, or 3–6 payments.
Priced as a finance charge, about $15 per $100 per cycle. The right tool for a bill smaller than your paycheck.
Short-term loans →3–24 equal monthly payments.
Fixed APR, 29.99%–149% by credit and state. Most lenders report on-time payments, so it's also the one that builds credit.
Installment loans →12–24 months from 5.99% APR.
For stronger credit. The one for consolidating cards or a planned expense, where the rate matters more than the speed.
Personal loans →Overlaps are real: a $1,000 request can come back as a 30-day short-term loan or a 6-month installment loan, depending on your income pattern. The offer says which. Compare the three
Amount
questions
More in the full FAQ.