Consolidate credit cards
Refinance your credit cards with a personal loan and know the exact date your loan will be paid off.
Learn MorePERSONAL LOANS
Get up to $60,000 with competitive, fixed rates
Once approved for funding, we will send your money in as little as 24 hours.1
How to apply for a personal loan
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1. Apply online in minutes
Get customized loan options based on what you tell us.
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2. Choose your loan offer
Select the rate, term, and payment options you like best.
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3. Get funded in as little as 24 hours
Once your loan is approved for funding, we will pay your creditors directly or send the money in as little as 24 hours.1
Why choose a personal loan?
A personal loan allows you to borrow money from a lender for almost any purpose, typically with a fixed term, a fixed interest rate, and a regular monthly payment schedule. Collateral is usually not required and personal loans typically have lower interest rates than most credit cards.
Since interest rates and loan terms on a personal loan are fixed, you can select a loan and payment amount that fits within your budget, which is great when you are consolidating debt. Plus, you will know the exact date your loan will be fully paid off.
Using a personal loan to consolidate high-interest credit card debt might even help you improve your credit score by diversifying your credit mix, showing that you can make on-time monthly payments, and reducing your total debt.
Join over 5 million members nationwide
- Borrow up to $60,000
- Funding in as little as 24 hours1
- Competitive fixed rates and fixed monthly payments
- No prepayment fees
- Automatic payment withdrawals
Personal loans to match your financial goals
Balance transfer
Lock in a lower APR and save time by paying creditors directly through us, just tell us who to pay.
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Debt consolidation
Simplify your debt and your life with a single monthly payment on an affordable fixed-rate loan.
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Home improvement
Start your home improvement project now, without waiting for a home equity loan or line of credit.
Learn MoreWhat our members say
I shopped around for a debt consolidation loan and this was by far the easiest application process, disbursement of funds and best interest rate. Now, I will be debt free in just three years, saving thousands.3
- Kyle, a member from Georgia
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Frequently asked questions
A personal loan allows you to borrow money from a lender for almost any purpose, usually with a fixed term, fixed interest rate, and monthly payment.
Members commonly use personal loans for debt consolidation, emergencies, home projects, and major purchases.
Approval depends on multiple factors like your credit profile, income, requested amount, and repayment ability.
If approved, funds can be sent in as little as 24 hours depending on your bank and timing.1
No. Rate checking starts with a soft inquiry, which does not affect your credit score.2
You will see available offers and can continue with the one you like best, then complete verification and choose your final terms.