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Whether you need to pay for a hospital stay, want to install a new bathroom in your home, or are facing another personal expense, a personal loan could help you quickly get the cash you need.
If you need to take out a $35,000 personal loan, it’s important to carefully consider as many lenders as possible to find the right loan for you.
Here’s what you should know before getting a $35,000 personal loan:
- Where to get a $35,000 personal loan
- What to consider when comparing $35,000 loans
- Cost to repay a $35k loan
Where to get a $35,000 personal loan
If you need a $35,000 unsecured personal loan, there are a few types of personal loan lenders to choose from:
Online lenders
Online lenders are often the fastest option to get a personal loan — depending on the lender, you might be able to apply for a loan in just a few minutes and get a decision almost immediately.
The time to fund for online personal loans is typically less than five business days, though some lenders will fund loans as soon as the same or next business day if you’re approved.
Here are Credible’s partner lenders that offer $35,000 personal loans:
| Lender | Fixed rates | Loan amounts |
|---|---|---|
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 7.99% - 35.99% APR | $10,000 to $50,000 |
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 9.95% - 35.99% APR | $2,000 to $35,000** |
|
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 7.99% - 15.19% APR | $10,000 to $50,000 |
|
||
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 8.99% - 35.99% APR | $2,000 to $50,000 |
|
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 6.99% - 24.99% APR | $2,500 to $35,000 |
|
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 10.5% - 29.99% APR | $5,000 to $40,000 |
|
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 8.3% - 35.89% APR | $1,000 to $40,000 |
|
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 5.99% - 23.99% APR | $5,000 to $100,000 |
|
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Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 6.99% - 35.99% APR | $2,000 to $50,000 |
|
||
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 8.99% - 23.43% APR10 | $5,000 to $100,000 |
|
||
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 8.49% - 35.97% APR | $1,000 to $50,000 |
|
||
Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
| 5.4% - 35.99% APR4 | $1,000 to $50,0005 |
|
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Achieve
Achieve loans range from $10,000 to $50,000. Keep in mind that Achieve might offer you a lower interest rate if you use at least 85% of your loan to pay off existing debt, which could make it a good option if you’re looking to consolidate high-interest debt.
Avant
Avant could be a good choice for borrowers who have poor or fair credit. If you’re approved for an Avant loan, you could have your money as soon as the next business day (if approved by 4:30 p.m. CT on a weekday).
Axos Bank
Axos Bank offers personal loans from $10,000 to $50,000 with terms ranging from three to six years. You’ll generally need very good to excellent credit to qualify for a loan with Axos.
Best Egg
Best Egg loans range from $2,000 to $50,000 and could be a good option for debt consolidation or home improvement as well as other loan uses.
Discover
Discover offers a wide variety of products, including personal loans from $2,500 to $25,000. With Discover, you could get a term as long as seven years, which might make it a good choice if you’re looking for a longer repayment period.
Happy Money
Happy Money personal loans are specifically designed for credit card consolidation. If you qualify for a Happy Money loan to consolidate high-interest credit card debt, you might see a boost in your credit score — making it easier to get approved for other loans down the road.
LendingClub
LendingClub is one of the few lenders that allows cosigners on personal loans, which might make it easier to get approved for a loan if you have poor or fair credit.
Even if you don’t need a cosigner to qualify with LendingClub, having one could get you a lower interest rate than you’d get on your own.
LightStream
LightStream could be a good choice if you need money fast — if you’re approved, your loan could be funded as soon as the same business day.
Terms on a LightStream loan are typically two to seven years, but you could have as long as 12 years to repay your loan if you’re using it for home improvements.
Prosper
Prosper operates a peer-to-peer lending platform, meaning you’ll need to wait for investors to commit to funding your loan.
This process typically takes three to five business days on average — though if your loan isn’t funded after 14 days, you’ll need to make a new listing. You can borrow $2,000 to $50,000 with Prosper.
SoFi
SoFi personal loans range from $5,000 to $100,000 with terms from two to seven years. With SoFi, you’ll also have access to perks like unemployment protection and free sessions with a financial advisor.
Upgrade
Upgrade could be a good choice if you’re looking for personal loans for fair credit. You can borrow $1,000 to $50,000 with Upgrade and will have two, three, five, or six years to repay your loan.
Upstart
Upstart personal loans are available for $1,000 to $50,0005. Keep in mind that Upstart will also consider your education and job history in addition to your credit to determine your eligibility, which means you might be able to qualify even if you have little to no credit history.
Learn More: Where to Get a Personal Loan
Banks
There are plenty of banks that offer $35,000 personal loans — though keep in mind that some larger banks, like Bank of America and Chase, do not.
If you already have an existing relationship with a bank, you might even qualify for loyalty rate discounts if you take out a personal loan with them.
Check Out: Debt Consolidation Loans
Credit unions
Because credit unions are nonprofit organizations, they sometimes provide lower interest rates on loans to their members.
They also might have less stringent borrower requirements to get a personal loan compared to banks.
Here are a few credit unions that offer $35,000 personal loans:
Learn More: Home Improvement Loans
What to consider when comparing $35,000 loans
Before you take out a $35,000 personal loan, here are a few factors to consider:
1. Interest rates
The interest rate on a loan is typically the biggest cost of borrowing money. It indicates how much you’ll pay in interest charges. In most cases, the shorter the repayment term you select, the lower the interest rate.
If you’re wondering how to build credit to eventually get these rates, a few things to focus on include:
- Making on-time payments to improve your payment history
- Keeping loan balances low, such as on credit cards
- Avoiding new loans unless you need them
It’s important to think about how much a loan will cost you over time and how your interest rate will affect that. You can estimate how much you’ll pay for a loan using our personal loan calculator below.
Enter your loan information to calculate how much you could pay
With a $ loan, you will pay $ monthly and a total of $ in interest over the life of your loan. You will pay a total of $ over the life of the loan.
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2. Fees
Depending on the lender, you might also be charged additional fees associated with your loan. For example, some lenders might assess:
- Origination fees when the loan is created
- Late fees if you miss payments
- Prepayment penalties if you pay off the loan early
3. Repayment terms
You’ll typically have one to seven years to repay a personal loan, depending on the lender. The longer the loan term, the more you’ll likely end up paying in interest over the life of your loan.
Plus, shorter repayment terms often come with lower interest rates compared to long-term loans.
4. Monthly payment
The monthly payment is a good indicator as to whether the loan will fit into your budget.
As you compare loan terms, make sure you can comfortably afford the monthly payment to avoid falling behind on your payments and damaging your credit.
5. Total repayment costs
Finally, be sure to estimate the total repayment cost of the loan. There are several components that affect this, including loan term and interest rate.
Before you sign a loan contract, review the federal Truth in Lending Act (TILA) disclosure provided by your lender.
- The finance charge: This is the cost of your loan, including interest and fees, assuming you make all your payments on time.
- Total payments: This is the sum of all the payments you’ll make to pay off your loan, including the loan principal and finance charges.
Check Out: Home Equity Loans vs. Personal Loans
Cost to repay a $35k loan
The table below illustrates how the loan term, interest rate, and monthly payment affect the total repayment cost of a loan. The interest rates in these examples are hypothetical and are solely for illustration.
| Loan term | APR | Monthly payment | Total interest | Total paid |
|---|---|---|---|---|
| 2 years | 5.00% | $1,535 | $1,852 | $36,851 |
| 3 years | 6.00% | $1,065 | $3,332 | $38,331 |
| 4 years | 7.00% | $838 | $5,230 | $40,229 |
| 5 years | 8.00% | $710 | $7,580 | $42,580 |
| 6 years | 9.00% | $631 | $10,424 | $45,424 |
| 7 years | 10.00% | $581 | $13,807 | $48,807 |
If you’re ready to take out a $35,000 personal loan, remember to compare as many lenders as you can to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes.
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