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Personal loans · $2,000–$5,000

Our lowest rates.
Our longest terms.

A FrontPay personal loan is for the larger, planned things: consolidating cards, a move, a procedure, a repair you've been putting off. $2,000 to $5,000 over 12 to 24 months, with fixed APRs from 5.99% for fair-or-better credit.

See your rate Rates by credit
5.99%APR from, fixed for the whole term
$2,000–$5,000in $50 steps
12–24equal monthly payments
$0to apply · no prepayment penalty

What the rate looks like
at your credit.

Starting APRs by band, and what each does to a $3,000 loan over 24 months. Bands are a guide; lenders also weigh income, existing debt and your state. Your offer is the only number that counts.

Excellent740+
5.99%APR from
$132.95/ month on $3,000 · 24 mo
$190.76total interest
Good670–739
11.99%APR from
$141.21/ month on $3,000 · 24 mo
$388.95total interest
Fair620–669
19.99%APR from
$152.67/ month on $3,000 · 24 mo
$664.15total interest
Rebuildingunder 620
29.99%APR from
$167.72/ month on $3,000 · 24 mo
$1,025.35total interest

Representative example: $3,000 over 24 months at 11.99% APR is $141.21 a month, $3,388.95 in total. APRs 5.99%–35.99% for this product; applicants outside these bands may receive an installment-loan offer at a higher rate instead. Full rate table · Calculator

What people take one for.

Most common

Consolidating cards

Two or three balances at 24–30% APR into one payment at a lower fixed rate, with an end date. Some lenders pay the issuers directly. The math, with an example

$2,500–$5,000typical
Planned

A move, a procedure, a project

Deposit plus truck plus the overlap month; a dental implant the plan won't cover; a water heater that can't wait for the bonus. Moving costs · Medical bills

$2,000–$4,000typical
Instead of

A card cash advance or a 401(k) loan

Both cost more than they look: cash advances accrue from day one at ~29%; a 401(k) loan is repaid with after-tax dollars and comes due if you change jobs.

$2,000+when the alternative is worse

Personal or installment?
Four questions.

  1. Is it $2,000 or more?Under that, the request routes to installment terms automatically.
  2. Is your credit fair or better?Mid-600s and up with steady income usually qualifies for personal-loan pricing. Lower scores still get an offer, just at installment rates. Bad credit loans
  3. Do you want 12 months or more?Personal terms start at 12; installment can be as short as 3.
  4. Is the rate the main thing?Then apply, look at the APR on the offer, and compare it to what you're paying now. Declining costs nothing and isn't reported.
Example offer · Good credit
$141.21/ month
Amount
$3,000
Term
24 months
APR, fixed
11.99%
Total repaid
$3,388.95
Fee to apply
$0
Pay off early
Any time, free

Illustration only. Your offer shows the exact APR, payment and any origination fee your lender charges, before you accept.

Personal loan questions

More in the full FAQ.

What's the difference between a personal loan and an installment loan here?
Structure is identical: one amount, fixed monthly payments, an end date. The personal loan tier is for $2,000–$5,000 with fair-or-better credit and carries our lowest APRs, commonly 5.99%–35.99%. If your credit is thinner, the same request may come back as an installment loan offer at a higher rate; you choose whether to take it.
What credit score do I need?
There's no hard cutoff. Offers at the lower end of the APR range typically go to applicants with scores in the mid-600s and up, stable income and low existing debt. Applicants in the 500s are usually offered installment terms instead. Seeing offers is a soft inquiry either way.
Can I use it to pay off credit cards?
Yes, and it's the most common use. Some lenders will pay the card issuers directly at funding. How consolidation works, with the math
Is there an origination fee?
Some lenders in our network charge one, typically 1%–5%, deducted from the amount funded; many charge none. If there is one, it's in the APR and on the offer. There is never a fee to apply, and no prepayment penalty.
How long does funding take?
Next business day by direct deposit for most approved applicants; same day with some lenders when you sign before noon Central.
Will it affect my credit?
Seeing offers is a soft inquiry. Accepting one usually triggers a hard inquiry from that lender (a few points, briefly). After that, on-time payments are reported to the three bureaus and tend to help your score; a consolidation that lowers your card utilization often helps faster.

Keep reading.

Debt consolidationThree cards into one payment, with the mathRates & feesEvery APR range we publishPayment calculatorAmount, term, APR → monthlyInstallment loans$500–$5,000 for thinner credit
$200–$5,000Soft check · $0 to apply
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