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a personal loan for your personal needs

Check your rate in 5 minutes.

Get funded in as fast as 1 business day.²

  Low cost. No upfront or early payoff fee

  Won't affect your credit score1



Debt consolidation loans are useful for managing revolving lines of credit and high-cost loans that have high-interest fees. Some of these debt types include credit cards, retail credit cards, gas credit cards, payday loans, and title loans. You may also be able to save more each month with a lower interest rate. 

wedding loans

When you apply for a loan through us for that special wedding, you’ll receive your loan funds in one lump sum. You can then use the money to pay for a ring, venue, caterer, or any other wedding-related expense.

Home improvement loans

A home improvement loan is a type of personal loan you can use to get funds for home repairs and projects. offers unsecured loans for home improvement, which means you don't need to back up your loan with collateral.

moving loans

A moving loan, also called a relocation loan, is a type of personal loan you can use to pay for moving costs. Most moving loans on our platform are unsecured, which means you aren’t required to back up your loan with collateral.

Student Debt Loans, Refinance Your Car Loans, Medical Loans, + More

You are unique. You may need a student loan, medical expense loanrefinance your car loan, or something else. offers unsecured loans for your personal needs, which means you don't need to back up your loan with collateral.

Why choose for a personal loan?

You are more than your credit score - Our model looks at factors such as your education3 and employment to help you get the rate you deserve.




flexible loan amounts

You can get a personal loan from $5,000 to $30,0004.


preview-1fixed rates
and terms

Choose between personal loans in 3, 5 or 7 year terms, with fixed rates of 4.6% - 19% APR.5


thumbs-upno pre-payment fees

You can prepay your loan at any time with no fee or penalty.


Here-to-help-2great service has deep experience and is dedicated to helping you with your unique needs.


"They gave me the best rate by far and I really liked that they didn’t have a penalty for paying your loan off early." - Ahmed

how to easily apply for a
personal loan in 3 steps


check your rate

Check your rate in minutes – without affecting your credit score.¹


choose your loan

Select your desired personal loan amount and preferred loan term.


get funded

99% of personal loan funds are sent just 1 business day after signing² personal loan faqs

Q: What can a personal loan be used for?

A: The funds from a personal loan can be used for a variety of purposes. Personal loans are commonly used to help with debt consolidation, medical expenses, home improvement projects, student debt, a move, a wedding, vacation, or other personal need.

Q: What is an unsecured personal loan?

A: An unsecured personal loan is money borrowed from a lender that isn't secured by property like a house or car. While most online personal loans through are unsecured, other lenders may place a lien on other accounts you hold with them. Always review your promissory note (aka the written agreement from the lender) for these details before accepting your loan.

Q: How fast can I get my personal loan?

A: If you accept your loan before 5 p.m. ET Monday - Friday, your funds will be transferred the next business day. If you accept the online loan after that time period, the funds will be transferred the following business day. For personal loans being used for education-related purposes, it'll be an additional 3 business days in accordance with federal law.

Q: How much can I borrow with a personal loan?

A: You can borrow between $5,000 and $30,0004 on a personal loan. Note that certain states have specific minimum loan amounts. The exact amount you may borrow depends on what you qualify for based on your application information.

Q: Can I get a loan with bad credit or no credit?

A: It's possible. Some lenders and lending platforms provide personal loans for bad credit or no credit at all. Different lenders have different minimum credit requirements for their personal loans. At, our model considers other factors such as your education3 and employment in addition to your financial background. It's important to remember that while you may qualify for a personal loan with low credit, your loan may come with higher interest rates.

Q: If I check my personal loan rate, will it impact my credit?

A: It will not. When you check your rate, we make a soft credit inquiry on your report, which doesn't impact your credit score. If you accept your rate and proceed with your application, we will make a hard credit inquiry to verify your information. This hard credit inquiry will be recorded and may impact your credit score.

Q: What are the interest rates on a personal loan?

A: All personal loans through offer a fixed interest rate and can range between 4.6% - 19%.5 The rate you qualify for is based on various factors including your education3, work experience, and credit history. As a reminder, the interest rate is only one factor in the cost of the loan. The total cost of your loan is reflected in the APR (annual percentage rate), which is the annual cost of a loan that combines both interest rate and all other associated fees.

See what you can save with a personal loan through mph.Bank.

Won't affect your credit score1

1. When you check your rate, we check your credit report. This INITIAL (SOFT) INQUIRY will not affect your credit score. If you accept your rate and proceed with your application, we do another (HARD) CREDIT INQUIRY that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

2. If you accept your loan by 5pm EST (not including weekends or holidays), your funds will be sent on the next business day. Loans used to fund education-related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.

3. does not have a minimum educational requirement in order to be eligible for a loan.

4. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state.

5. The full range of available rates varies by state.  A representative example of payment terms for a Personal Loan is as follows:  a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 13.89%, no origination fee, for an APR of 13.89%.  In this example, the borrower will receive $10,000 and will make 60 monthly payments of $233.  APR is calculated based on 5-year rates offered in August, 2023.  There is no downpayment and no prepayment penalty.  Your APR will be determined based on your credit, income, and certain other information provided in your loan application.  Not all applicants will be approved.

All loans are originated by which is part of the Upstart marketplace.