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If you need a $2,000 personal loan, a $4,000 loan, where can you go? If you’re wondering how to get a $10,000 loan, you’ve come to the right place.

Many of us have taken advantage of a personal loan, either for emergency expenses, a big event or through our student loans. Personal loans are typically unsecured and non-revolving.

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When deciding on the best personal loan for your situation, many factors come into play. For example, how much are you hoping to finance? Additionally, how large a payment can you reasonably afford within your budget? The length of prepayment can also vary, depending on the lending institution.

How much you can borrow, and the interest rates you will pay, will depend on your credit score. For those rebuilding their credit, the interest rates will be higher and the loan amounts might also be smaller initially. There are also institutions who will report your on-time payments, which helps you rebuild your credit.

Compare lenders offering loan amounts more than $10,000

The personal loan companies in the table below compete for your business through Credible. You can request rates from all of these partner lenders by filling out just one form (instead of one form for each), and without affecting your credit score.

LenderRatesLoan Amounts 
avant

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Fixed: 9.95% - 35.99% APR$2,000 up to $35,000Get Rates

Loan terms
• 2 - 5 years

Loan uses
• Debt consolidation, emergency expense, life event, home improvement, and other purposes

Residency
• Must be a resident in the U.S. with a valid Social Security number

Time to get funds
• As soon as the next business day

Key benefits
• Fast online process, with e-signed contract
• Receive funds as soon as next business day (if approved by 4:30pm CT, Monday through Friday)
• Options for borrowers with less than perfect credit (most of Avant’s customers have credit scores in the 600 to 700 range)

Avant personal loans review

best egg

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Fixed: 5.99% - 29.99% APR$2,000 up to $35,000Get Rates

Loan terms
• 3 - 5 years

Loan uses
• Credit card refinancing, debt consolidation, home improvement, and other purposes

Residency
• Must be a U.S. Citizen or a Permanent Resident Alien
• Can't be a resident of IA, VT, or WV

Time to get funds
• As soon as one day

Key benefits
• Choose your payment date
• You can have up to two Best Egg loans at the same time

Best egg personal loans review

freedomplus

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Fixed: 5.99% - 29.99% APR$10,000 up to $35,000Get Rates

Loan terms
• 2 - 5 years

Loan uses
• Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes

Residency
• Must be a resident in the U.S. with a valid Social Security number

Time to get funds
• Loan decisions as soon as the same day

Key benefits
• No fees

FreedomPlus personal loans review

lendingclub

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Fixed: 6.95% - 35.89% APR$1,000 up to $40,000Get Rates

Loan terms
• 3 - 5 years

Loan uses
• Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes

Residency
• Must be a U.S. Citizen or Resident Alien with a valid Social Security number and physical address, currently residing in the U.S.

Time to get funds
• As soon as a few days

Key benefits
• The amount you pay will never increase

LendingClub personal loans review

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lendingpoint

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Fixed: 9.99% - 35.99% APR$2,000 up to $25,000Get Rates

Loan terms
• 2 - 4 years

Loan uses
• Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes

Residency
• Must be a U.S. Citizen or Permanent Resident with a verifiable Social Security number

Time to get funds
• As soon as the next business day

Key benefits
• Available to "near prime" borrowers with credit scores as low as 585
• Streamlined approval and application process
• No prepayment penalty

lightstream

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Fixed: 3.99% - 16.99% APR $5,000 up to $100,000Get Rates

Loan terms
• 2 - 7 years

Loan uses
• Credit card refinancing, debt consolidation, home improvement, and other purposes

Residency
• Borrower must reside in the U.S.

Time to get funds
• As soon as the same business day

Key benefits
• 0.50% autopay discount (only available prior to loan funding)
• $100 rebate if you’re not completely satisfied with the LightStream experience and if you fill out a questionnaire telling LightStream how they can improve their services

LightStream personal loans review

marcus

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Fixed: 5.99% - 28.99% APR
(For NY residents: 5.99% - 24.99% APR)
$3,500 up to $40,000Get Rates

Loan terms
• 3 - 6 years

Loan uses
• Credit card refinancing, debt consolidation, home improvement, and other purposes

Residency
• Must be a U.S. Citizen or Resident Alien with a valid Social Security number and physical address, currently residing in the U.S.

Time to get funds
• About 1 - 4 business days, given approval and bank account verification

Key benefits
• Tailored monthly payment options designed to fit your budget
• Option to defer one monthly payment after making 12 or more consecutive in full and on-time monthly payments

Marcus personal loans review

payoff

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Fixed: 5.99% - 24.99% APR$5,000 up to $35,000Get Rates

Loan terms
• 2 - 5 years

Loan uses
• Debt consolidation and credit card consolidation only

Residency
• Borrower can't reside in DC, DE, IA, LA, MA, MD, MI, MN, MS, NC, NE, NV, OH, OK, VA, VT, WA, WI, or WV

Time to get funds
• As soon as 3 - 6 business days

Key benefits
• Free FICO score updates
• If you lose your job, they’ll work with you on payments
• Offers scientific personality, stress, and cash flow assessments to help you get a better understanding of your personal finances

Payoff personal loans review

prosper

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Fixed: 6.95% - 35.99% APR$2,000 up to $35,000Get Rates

Loan terms
• 3 - 5 years

Loan uses
• Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes

Residency
• Must be a U.S. resident with a bank account and Social Security number

Time to get funds
• On average, within 5 days of accepting your offer

Key benefits
• All loans through prosper are unsecured (no collateral required)
• Loan review process usually completed in 7 business days or less

Prosper personal loans review

upstart

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Fixed: 7.99% - 35.89% APR$1,000 up to $50,000Get Rates

Loan terms
• 3 - 5 years

Loan uses
• Debt consolidation, credit card refinancing, home improvement, and other purposes

Residency
• Borrower can't be a resident of CT, CO, IA, MA, MD, VT, or WV

Time to get funds
• Within a day of clearing necessary verifications

Key benefits
• Free credit monitoring
• Free educational resources that can help borrowers

Upgrade personal loans review

upstart

View details
Fixed: 8.89% - 35.99% APR$1,000 up to $50,000Get Rates

Loan terms
• 3 - 5 years

Loan uses
• Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes

Residency
• Must be a U.S. Citizen or Permanent Resident with a verifiable Social Security number

Time to get funds
• As soon as the next business day

Key benefits
• Can apply for a second loan after making six on-time monthly payments ($50,000 maximum principal on all loans)

Upstart personal loans review

Compare rates from these lenders without affecting your credit score. 100% free!

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All APRs reflect autopay and loyalty discounts where available | LightStream payment example | Read more about Rates and Terms

How to get a Personal loan for $10,000 or more

Here are some lending institutions and the limits on what they will lend.

Banks and credit unions

These institutions offer personal loans, along with checking, savings and other secured and unsecured loans. A personal loan may also be available through a line of credit, which can be revolving.

The limits vary from institution to institution, but whether you are looking for a $2,000 personal loan, a $4,000 loan, or a $10,000 loan, banks and credit unions are often willing to accommodate you.

Wells Fargo, for example, says it will lend from $1,000 to $100,000. Most banks do not include a prepayment penalty, although there may be an origination fee.

The interest rates are usually fixed and are often some of the lowest available, with a specific payment over the life of the loan. Another plus is that your personal bank may offer discounts based on your current relationship.

Payday loans

These loans are directly tied to your income. Thus, the loan amount could be higher based on your take home income every month. If you are looking for a $10,000 loan, you probably won’t have any luck with a payday lender. Generally, payday loans are capped at $1,000, but limits vary from state to state.

Interest rates on payday loans are significantly higher than other personal loans — it can work out to 400 percent annual interest.

There are no interest reductions for early prepayment. The lending period is limited to the next payday, or no more than 30 days, but typically averages two weeks. These types of loans are usually considered an emergency option, but not a cheap way to reduce other debt.

Online loans

You can shop the websites of online lenders or brokers 24 hours a day, seven days a week. Brokers may have a group of lenders or investors who provide the funds. Whether you’re looking for a $2,000 loan or a $10,000 loan, you may be able to find it online.

An example is Prosper, which offers marketplace or peer-to-peer lending.

Prosper offers fixed-rate, fully amortizing personal loans from $2,000 to $35,000, with terms of 3 or 5 years, depending on Prosper’s rating Loan terms of 3 and 5 years are available, depending on the loan amount and your “Prosper Rating” — an evaluation of how likely you are to repay the loan.

As would be expected, interest rates for borrowers with better credit can be significantly lower than those with poor credit.

But borrowers who have been turned down by traditional lending institutions may have more luck getting approved by online lenders, who sometimes use alternative methods of evaluating borrower risk. While some will turn down those with bad credit scores, others are more open to lending to “risky” borrowers — for a price.

Online lenders will want to see proof of income, and perhaps length of employment. The APR can be high on smaller loans, but may be discounted for larger loans. The loan term is dependent upon the lender. There may also be prepayment penalties for early payoff of the loan.

With all of these loan options, the money is usually available to the borrower within 24 hours or less, by means of cash or direct deposit. It’s important to do your research to find the best interest rate and terms available based on your credit score and other factors as defined by the lender.

For those rebuilding credit, try to find a personal loan that will report your timely payments and thus give your score a boost.

Ready to find your personal loan? Credible makes it easy to find the right loan for you.

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  • One simple form, easy to fill out and your info is protected
  • More options, pick the loan option that best fits your personal needs

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About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 3.99% - 35.99% APR with terms from 24 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

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