With housing prices hovering around all-time highs, mobile homes and manufactured homes offer prospective homebuyers an affordable alternative. You might be able to apply for a mortgage to pay for your mobile or manufactured home, but if not, several lenders offer personal loans that you could use to finance a mobile home purchase. Find out which lenders are best, how the application process works, and the pros and cons of using a personal loan to purchase a mobile home.
Compare personal loan rates for mobile homes
Some of the lenders below offer personal loans specifically for purchasing a mobile home. Others offer the option of selecting “Other” or “Major purchase” when you begin prequalification.
Advertiser DisclosureThe rates that appear are from companies from which Credible receives compensation. This compensation does not impact how or where products appear within the table. The rates and information shown do not include all financial service providers or all of the displayed lenders' available services and product offerings.
Credible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
LightStream is one of three Credible partner lenders to offer loan amounts up to $100,000, which makes it ideal for financing large expenses. Plus, average rates on LightStream personal loans were the lowest among all Credible partner lenders for borrowers with good, very good, and excellent credit, according to 12 months of Credible personal loans marketplace data. There are no origination fees or other fees, and loans can be used for a wide range of purposes
Funds can be available as soon as the same day you apply, and you could have up to 20 years to repay certain types of loans, including home improvement loans, RV loans, and boat loans.
Unlike most lenders, LightStream does not let you prequalify on its site — but you can prequalify through Credible. LightStream scored better than average in J.D. Power's 2025 U.S. Consumer Lending Satisfaction Study, beating out online lender SoFi by one position.
pros
- Same-day funding available
- High maximum loan amount
- No origination fee or other fees
- Allows co-borrowers
- Rate beat program
- Long repayment terms available
cons
- Good credit required
- Not available in Vermont
- No loans under $5,000
- Limited customer service
Repayment terms
2 - 20 years, depending on loan purpose
Eligibility
Available in all states except VT
Time to get funds
As soon as the same business day
Loan uses
Credit card refinancing, debt consolidation, home improvement, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
More borrowers are able to prequalify with Upstart compared to all other Credible partners, based on 12 months of Credible personal loans data. This could make the lender a good choice if you have at least fair credit and have struggled to qualify with other lenders. It also offers loans as low as $1,000 and as large as $75,000, making it an appealing option for a wide range of loan needs. Upstart may charge an origination fee as high as 15%, but good-credit borrowers may not be charged one at all.
Trustpilot gives Upstart 4.9 stars, which is the highest of all lenders we reviewed. However, it received a below average score in J.D. Power's 2025 U.S. Consumer Lending Satisfaction Study.
pros
- May fund in 1 business day
- 300 minimum credit score in most states
- Low minimum APR
- Trustpilot score of 4.9/5 stars
cons
- May charge a high origination fee
- No discounts offered
Time to get funds
As soon as 1 to 3 business days
Loan uses
Pay off credit cards, consolidate debt, relocate, make a large purchase, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Best Egg is a solid lender for a wide range of borrowers. It offers competitive rates, reasonable loan terms and amounts, and personal loans for fair credit. You'll need a FICO score of at least 600 to qualify, which means borrowers with fair credit are eligible. Plus, Best Egg is one of a handful of Credible partner lenders to offer secured loans, and the only one we know of that offers loans secured by the fixtures in your home. This can be a great way for homeowners to lower their rate, while not putting their actual home up as collateral.
However, Best Egg loans may have an origination fee, which ranges from 0.99% to 9.99% of the loan amount.
pros
- Secured loans available
- Low minimum income requirement
- Wide range of loan purposes allowed
- Funds in 1-3 business days
cons
- Origination fees
- No discounts
- Not available in DC, IA, VT, or WV
Fees
Origination fee, late fee, unsuccessful payment fee, check processing fee
Eligibility
Available in all states except DC, IA, VT, and WV
Time to get funds
As soon as 1 to 3 business days after successful verification
Loan uses
Credit card refinancing, debt consolidation, home improvement, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
LendingPoint is a fintech lender that incorporates AI and data analysis in addition to considering your credit score. It offers personal loans for a variety of uses, including debt consolidation, credit card refinancing, and home improvement, with funding as soon as the next business day. You can also manage your account using LendingPoint's mobile app.
With low starting APRs and a mid-600s credit score minimum, LendingPoint is best suited for borrowers with fair credit or a limited credit history looking for smaller loans. Some borrowers with good credit may also benefit from a LendingPoint loan. But borrowers with excellent credit can find lower APRs and larger maximum loan amounts with other lenders.
pros
- Multiple loan terms
- Low minimum APR
- Funds as soon as the next business day after approval
- Trustpilot score of 4.9/5 stars
cons
- Origination fee
- No discounts
- Not available in CT, DC, IA, MD, ME, NE, NV, VT, VW, or any U.S. Territories
Loan amount
$2,000 to $25,000 (up to $36,500 direct with lender)
Fees
Origination fee (option to deduct upfront or add to financed amount)
Discounts
Rate discount review after 6 months of on-time payments)
Eligibility
Not available in CT, DC, IA, MD, ME, NE, NV, VT, VW, or any U.S. Territories (eligible states may vary on the lender’s site)
Min. income
$35,000 ($39,000 through Credible)
Time to get funds
As soon as the next business day
Loan uses
Debt consolidation, credit card financing, home improvement, wedding, medical or dental, car repair, taxes, other personal financial expenses
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Rocket Loans delivers no-frills same-day personal loans with a generous autopay discount to good-credit borrowers and some borrowers with fair credit. APRs and available loan amounts are competitive — Rocket Loans offers loans up to $45,000. Plus, the company offers small business loans if you apply directly through its website. Notably, Rocket Loans delivered lower average rates than many competitors to borrowers with very good and excellent credit (based on closed loans data from the Credible marketplace over the last 12 months).
However, you'll only have a choice between two repayment terms — 3 or 5 years — and origination fees can be as high as 9.99%. You may qualify with fair credit, but Rocket Loans doesn't offer cosigned or secured options that could help you qualify or lower your rate.
pros
- Funding as soon as the same day
- Excellent Trustpilot rating
- Offers an autopay discount
- Low rates for very good and excellent credit
cons
- Origination fee up to 9.99% of the loan amount
- No cosigned or secured loans
- Only two repayment term options: 36 or 60 months
Fees
Late fee, origination fee up to 9.99%
Eligibility
Not available in IA, NV, WV, PR, MD
Time to get funds
As soon as same business day
Loan purposes
Debt Consolidation, Credit Card Refinancing, Home Improvements, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Jenius Bank offers personal loans for fair and better credit with competitive features, including a low maximum APR, an autopay discount, and no origination fees. Funding is available as soon as the next business day and repayment terms can extend up to six years. The bank also offers a mobile app for convenient management.
However, potential drawbacks include a high minimum loan amount, a low Trustpilot rating, and the unavailability of joint loans.
pros
- Low maximum APR
- Autopay discount
- Next-day funding
- Fair-credit eligible
- Mobile app
- No origination fees
- Terms up to 6 years
cons
- High minimum loan amount
- Low customer service ratings
- No joint loans
Eligibility
All states except HI, NV, WI
Min. income
Must be greater than $20,000
Customer service
Mobile app; 24/7 telephone support
Time to get funds
As early as the next business day
Loan uses
For personal, family, or household uses
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
SoFi personal loans feature high loan amounts, competitive interest rates, as soon as same-day funding, and long loan terms, plus discounts for autopay and direct pay. Plus, SoFi offers live chat and free financial advice for customers. Unlike many other online lenders, SoFi is an FDIC-insured bank, which means SoFi makes loans directly and does not partner with a third-party to originate loans. It also means that you could have your checking, savings, and loan accounts all in one place.
To qualify for an unsecured loan, it's best to have good credit. But unlike other lenders, SoFi doesn't specify a credit score minimum. It also has optional origination fees — you might elect to pay on to reduce your interest rate. Minimum loan amounts start at $5,000.
pros
- Large loan amounts available
- Autopay and direct pay discounts
- Same day funding
- Long loan terms available
cons
- Not transparent about minimum credit score requirements
- 5,000 minimum loan amount
Fees
Option to pay an origination fee in exchange for a lower rate
Time to get funds
Typically within a few days, given approval and bank account verification, but sometimes within the same day
Loan uses
Solely for personal, family, or household uses
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Prosper is the only remaining true P2P marketplace in the peer-to-peer lending space that connects borrowers with individual investors for some loans. If you apply for a loan with Prosper, the funding may come from an individual who has chosen to invest in you.
Prosper offers personal loans between $2,000 and $50,000 with terms between 2 and 5 years, and funding as soon as one business day. You can use a personal loan through Prosper for a variety of purposes, including debt consolidation and home improvement. The platform has excellent customer service reviews on Trustpilot, as well.
pros
- Offers peer-to-peer lending (individuals can invest in personal loans)
- Can fund in 1 business day
- Open to borrowers with fair credit
- Low minimum APR
cons
- Origination fee
- Not available in Iowa or West Virginia
- No discounts
Eligibility
Available in all states except IA and WV
Time to get funds
On average, within 5 days of accepting your offer
Loan uses
Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Avant personal loans are a good choice for borrowers with bad credit looking for small- to moderate-sized personal loans. Loans are available up to $35,000 and you could get the money as soon as the next business day after approval. Plus, Avant is more likely than some lenders to approve the applications of borrowers who've prequalified with Avant. However, the lender charges an origination fee up to 9.99%, and its top-range interest rates are among the highest of the lenders we reviewed.
pros
- Borrowers with bad credit considered
- Funds as soon as the next business day
- 2-year loan terms available
cons
- No discounts offered
- Origination fee
- Not available in HI, IA, MA, ME, NY, VT, WV, WA, AP, AE, and AA
Fees
Origination fee, late fee, dishonored payment fee
Eligibility
Available in all states except HI, IA, MA, ME, NY, VT, WV, WA, AP, AE, and AA
Time to get funds
As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
Loan uses
Debt consolidation, emergency expense, life event, home improvement, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Citi offers no-fee personal loans to borrowers with good credit (a FICO credit score of 720 or higher). No-fee means no origination fees and no late fees, and Citi is one of few lenders that don’t charge either. (Origination fees are deducted from the loan upfront, reducing the amount you receive).
The company also offers a generous 0.50 percentage point autopay discount and makes same day funding available to current Citi customers. However, Citi requires a relatively high credit score to qualify and caps the amount you can borrow at $30,000, which is less than most of its competitors.
Citi came in second for overall customer satisfaction in J.D. Power's 2025 Consumer Lending Satisfaction Study.
pros
- No origination fees
- Autopay discount
- 2nd in J.D. Power's Consumer Lending Satisfaction Study
- 100% digital process
cons
- Max loan amount is lower than most lenders
- High credit score required
Discounts
0.5% APR autopay discount
Time to get funds
Same day with an existing Citi account, or within 2 business days with a non-Citi account
Loan uses
Can be used for almost any purpose, except for using the proceeds for post-secondary expenses or business purposes.
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Reprise may be an excellent option if you need a loan with bad credit. Not only does it offer bad credit loans, but the lender delivered the lowest rates, on average, to borrowers with bad credit compared to other Credible partners offering loans for bad credit. (Average interest rates are based on Credible personal loans data across credit score tiers over the last 12 months.) The lender also offers secured loans as well as some cosigned loans to help you qualify.
Reprise loans are a great options for emergencies as loan funds can be available the next business day once you’re approved. Plus, the company has a 4.7 Trustpilot rating and a 4.16 customer rating on BBB (the Better Business Bureau) — indicating satisfied customers.
But Reprise is not for everyone. Available loan amounts are capped at a relatively low $25,000, Reprise may charge an origination fee, and there are no discounts for autopay or direct pay to creditors when using the loan to consolidate debt.
pros
- Loans for bad credit
- 4.7 Trustpilot rating
- Secured loans available
- Cosigners considered
- Next-day funding available
- Easy to contact
cons
- Does not accept self-employment income as a primary income source
- Relatively low maximum loan amount
- Origination fees up to 6%
- Not available nationwide
- No discounts for autopay or direct pay
Loan amount
$2,500 to $25,000 (Minimum $5,000 for OH, Minimum $3,500 for GA)
Fees
$15 late fee except where the state has a different limit (ie. NM), return payment fees - $20 except where state has a different limit (ie – NM), and no prepayment penalty
Eligibility
Unavailable in CO, CT, HI, IA, ME, MD, MA, NV, NJ, NY, SD, VT, WA, and WV
Time to get funds
1-7 business days depending on loan security type
Loan uses
Credit card refinancing, debt consolidation, emergencies, major purchases, medical and dental expenses, moving expenses, special occasions, unexpected expenses, vacation and travel
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
OneMain Financial has multiple options for bad-credit personal loans. There is no minimum credit score required (if you apply directly with OneMain), which means you could get a loan with bad credit (FICO below 580). Plus, cosigners are allowed — a cosigner is someone (ideally, with good credit) who promises to repay the loan if you can't, which can make it easier to qualify or lower your rate. And, secured personal loans are available. You secure a loan with collateral, which may also help you qualify or lower your rate.
Rates are higher than competitors and OneMain charges origination fees as either a flat fee up to $500, or a percentage from 1% to 10% (depending on your state of residence). Note that even if you prequalify for a personal loan with OneMain, getting approved isn't a given.
pros
- Flexible eligibility requirements
- Offers secured options
- Competitive bad-credit loans
- Physical presence
cons
- Availability
- Origination fees
- High starting APR
- Low maximum loan amount
Fees
Origination fee, unsuccessful payment fee, late fee
Eligibility
Must have photo I.D. issued by U.S. federal, state or local government
Time to get funds
As soon as 1 to 2 days after acceptance
Loan use
All except business, and education
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
LightStream is one of three Credible partner lenders to offer loan amounts up to $100,000, which makes it ideal for financing large expenses. Plus, average rates on LightStream personal loans were the lowest among all Credible partner lenders for borrowers with good, very good, and excellent credit, according to 12 months of Credible personal loans marketplace data. There are no origination fees or other fees, and loans can be used for a wide range of purposes
Funds can be available as soon as the same day you apply, and you could have up to 20 years to repay certain types of loans, including home improvement loans, RV loans, and boat loans.
Unlike most lenders, LightStream does not let you prequalify on its site — but you can prequalify through Credible. LightStream scored better than average in J.D. Power's 2025 U.S. Consumer Lending Satisfaction Study, beating out online lender SoFi by one position.
pros
- Same-day funding available
- High maximum loan amount
- No origination fee or other fees
- Allows co-borrowers
- Rate beat program
- Long repayment terms available
cons
- Good credit required
- Not available in Vermont
- No loans under $5,000
- Limited customer service
Repayment terms
2 - 20 years, depending on loan purpose
Eligibility
Available in all states except VT
Time to get funds
As soon as the same business day
Loan uses
Credit card refinancing, debt consolidation, home improvement, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
More borrowers are able to prequalify with Upstart compared to all other Credible partners, based on 12 months of Credible personal loans data. This could make the lender a good choice if you have at least fair credit and have struggled to qualify with other lenders. It also offers loans as low as $1,000 and as large as $75,000, making it an appealing option for a wide range of loan needs. Upstart may charge an origination fee as high as 15%, but good-credit borrowers may not be charged one at all.
Trustpilot gives Upstart 4.9 stars, which is the highest of all lenders we reviewed. However, it received a below average score in J.D. Power's 2025 U.S. Consumer Lending Satisfaction Study.
pros
- May fund in 1 business day
- 300 minimum credit score in most states
- Low minimum APR
- Trustpilot score of 4.9/5 stars
cons
- May charge a high origination fee
- No discounts offered
Time to get funds
As soon as 1 to 3 business days
Loan uses
Pay off credit cards, consolidate debt, relocate, make a large purchase, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Best Egg is a solid lender for a wide range of borrowers. It offers competitive rates, reasonable loan terms and amounts, and personal loans for fair credit. You'll need a FICO score of at least 600 to qualify, which means borrowers with fair credit are eligible. Plus, Best Egg is one of a handful of Credible partner lenders to offer secured loans, and the only one we know of that offers loans secured by the fixtures in your home. This can be a great way for homeowners to lower their rate, while not putting their actual home up as collateral.
However, Best Egg loans may have an origination fee, which ranges from 0.99% to 9.99% of the loan amount.
pros
- Secured loans available
- Low minimum income requirement
- Wide range of loan purposes allowed
- Funds in 1-3 business days
cons
- Origination fees
- No discounts
- Not available in DC, IA, VT, or WV
Fees
Origination fee, late fee, unsuccessful payment fee, check processing fee
Eligibility
Available in all states except DC, IA, VT, and WV
Time to get funds
As soon as 1 to 3 business days after successful verification
Loan uses
Credit card refinancing, debt consolidation, home improvement, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
LendingPoint is a fintech lender that incorporates AI and data analysis in addition to considering your credit score. It offers personal loans for a variety of uses, including debt consolidation, credit card refinancing, and home improvement, with funding as soon as the next business day. You can also manage your account using LendingPoint's mobile app.
With low starting APRs and a mid-600s credit score minimum, LendingPoint is best suited for borrowers with fair credit or a limited credit history looking for smaller loans. Some borrowers with good credit may also benefit from a LendingPoint loan. But borrowers with excellent credit can find lower APRs and larger maximum loan amounts with other lenders.
pros
- Multiple loan terms
- Low minimum APR
- Funds as soon as the next business day after approval
- Trustpilot score of 4.9/5 stars
cons
- Origination fee
- No discounts
- Not available in CT, DC, IA, MD, ME, NE, NV, VT, VW, or any U.S. Territories
Loan amount
$2,000 to $25,000 (up to $36,500 direct with lender)
Fees
Origination fee (option to deduct upfront or add to financed amount)
Discounts
Rate discount review after 6 months of on-time payments)
Eligibility
Not available in CT, DC, IA, MD, ME, NE, NV, VT, VW, or any U.S. Territories (eligible states may vary on the lender’s site)
Min. income
$35,000 ($39,000 through Credible)
Time to get funds
As soon as the next business day
Loan uses
Debt consolidation, credit card financing, home improvement, wedding, medical or dental, car repair, taxes, other personal financial expenses
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Rocket Loans delivers no-frills same-day personal loans with a generous autopay discount to good-credit borrowers and some borrowers with fair credit. APRs and available loan amounts are competitive — Rocket Loans offers loans up to $45,000. Plus, the company offers small business loans if you apply directly through its website. Notably, Rocket Loans delivered lower average rates than many competitors to borrowers with very good and excellent credit (based on closed loans data from the Credible marketplace over the last 12 months).
However, you'll only have a choice between two repayment terms — 3 or 5 years — and origination fees can be as high as 9.99%. You may qualify with fair credit, but Rocket Loans doesn't offer cosigned or secured options that could help you qualify or lower your rate.
pros
- Funding as soon as the same day
- Excellent Trustpilot rating
- Offers an autopay discount
- Low rates for very good and excellent credit
cons
- Origination fee up to 9.99% of the loan amount
- No cosigned or secured loans
- Only two repayment term options: 36 or 60 months
Fees
Late fee, origination fee up to 9.99%
Eligibility
Not available in IA, NV, WV, PR, MD
Time to get funds
As soon as same business day
Loan purposes
Debt Consolidation, Credit Card Refinancing, Home Improvements, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Jenius Bank offers personal loans for fair and better credit with competitive features, including a low maximum APR, an autopay discount, and no origination fees. Funding is available as soon as the next business day and repayment terms can extend up to six years. The bank also offers a mobile app for convenient management.
However, potential drawbacks include a high minimum loan amount, a low Trustpilot rating, and the unavailability of joint loans.
pros
- Low maximum APR
- Autopay discount
- Next-day funding
- Fair-credit eligible
- Mobile app
- No origination fees
- Terms up to 6 years
cons
- High minimum loan amount
- Low customer service ratings
- No joint loans
Eligibility
All states except HI, NV, WI
Min. income
Must be greater than $20,000
Customer service
Mobile app; 24/7 telephone support
Time to get funds
As early as the next business day
Loan uses
For personal, family, or household uses
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
SoFi personal loans feature high loan amounts, competitive interest rates, as soon as same-day funding, and long loan terms, plus discounts for autopay and direct pay. Plus, SoFi offers live chat and free financial advice for customers. Unlike many other online lenders, SoFi is an FDIC-insured bank, which means SoFi makes loans directly and does not partner with a third-party to originate loans. It also means that you could have your checking, savings, and loan accounts all in one place.
To qualify for an unsecured loan, it's best to have good credit. But unlike other lenders, SoFi doesn't specify a credit score minimum. It also has optional origination fees — you might elect to pay on to reduce your interest rate. Minimum loan amounts start at $5,000.
pros
- Large loan amounts available
- Autopay and direct pay discounts
- Same day funding
- Long loan terms available
cons
- Not transparent about minimum credit score requirements
- 5,000 minimum loan amount
Fees
Option to pay an origination fee in exchange for a lower rate
Time to get funds
Typically within a few days, given approval and bank account verification, but sometimes within the same day
Loan uses
Solely for personal, family, or household uses
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Prosper is the only remaining true P2P marketplace in the peer-to-peer lending space that connects borrowers with individual investors for some loans. If you apply for a loan with Prosper, the funding may come from an individual who has chosen to invest in you.
Prosper offers personal loans between $2,000 and $50,000 with terms between 2 and 5 years, and funding as soon as one business day. You can use a personal loan through Prosper for a variety of purposes, including debt consolidation and home improvement. The platform has excellent customer service reviews on Trustpilot, as well.
pros
- Offers peer-to-peer lending (individuals can invest in personal loans)
- Can fund in 1 business day
- Open to borrowers with fair credit
- Low minimum APR
cons
- Origination fee
- Not available in Iowa or West Virginia
- No discounts
Eligibility
Available in all states except IA and WV
Time to get funds
On average, within 5 days of accepting your offer
Loan uses
Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Avant personal loans are a good choice for borrowers with bad credit looking for small- to moderate-sized personal loans. Loans are available up to $35,000 and you could get the money as soon as the next business day after approval. Plus, Avant is more likely than some lenders to approve the applications of borrowers who've prequalified with Avant. However, the lender charges an origination fee up to 9.99%, and its top-range interest rates are among the highest of the lenders we reviewed.
pros
- Borrowers with bad credit considered
- Funds as soon as the next business day
- 2-year loan terms available
cons
- No discounts offered
- Origination fee
- Not available in HI, IA, MA, ME, NY, VT, WV, WA, AP, AE, and AA
Fees
Origination fee, late fee, dishonored payment fee
Eligibility
Available in all states except HI, IA, MA, ME, NY, VT, WV, WA, AP, AE, and AA
Time to get funds
As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
Loan uses
Debt consolidation, emergency expense, life event, home improvement, and other purposes
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Citi offers no-fee personal loans to borrowers with good credit (a FICO credit score of 720 or higher). No-fee means no origination fees and no late fees, and Citi is one of few lenders that don’t charge either. (Origination fees are deducted from the loan upfront, reducing the amount you receive).
The company also offers a generous 0.50 percentage point autopay discount and makes same day funding available to current Citi customers. However, Citi requires a relatively high credit score to qualify and caps the amount you can borrow at $30,000, which is less than most of its competitors.
Citi came in second for overall customer satisfaction in J.D. Power's 2025 Consumer Lending Satisfaction Study.
pros
- No origination fees
- Autopay discount
- 2nd in J.D. Power's Consumer Lending Satisfaction Study
- 100% digital process
cons
- Max loan amount is lower than most lenders
- High credit score required
Discounts
0.5% APR autopay discount
Time to get funds
Same day with an existing Citi account, or within 2 business days with a non-Citi account
Loan uses
Can be used for almost any purpose, except for using the proceeds for post-secondary expenses or business purposes.
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
Reprise may be an excellent option if you need a loan with bad credit. Not only does it offer bad credit loans, but the lender delivered the lowest rates, on average, to borrowers with bad credit compared to other Credible partners offering loans for bad credit. (Average interest rates are based on Credible personal loans data across credit score tiers over the last 12 months.) The lender also offers secured loans as well as some cosigned loans to help you qualify.
Reprise loans are a great options for emergencies as loan funds can be available the next business day once you’re approved. Plus, the company has a 4.7 Trustpilot rating and a 4.16 customer rating on BBB (the Better Business Bureau) — indicating satisfied customers.
But Reprise is not for everyone. Available loan amounts are capped at a relatively low $25,000, Reprise may charge an origination fee, and there are no discounts for autopay or direct pay to creditors when using the loan to consolidate debt.
pros
- Loans for bad credit
- 4.7 Trustpilot rating
- Secured loans available
- Cosigners considered
- Next-day funding available
- Easy to contact
cons
- Does not accept self-employment income as a primary income source
- Relatively low maximum loan amount
- Origination fees up to 6%
- Not available nationwide
- No discounts for autopay or direct pay
Loan amount
$2,500 to $25,000 (Minimum $5,000 for OH, Minimum $3,500 for GA)
Fees
$15 late fee except where the state has a different limit (ie. NM), return payment fees - $20 except where state has a different limit (ie – NM), and no prepayment penalty
Eligibility
Unavailable in CO, CT, HI, IA, ME, MD, MA, NV, NJ, NY, SD, VT, WA, and WV
Time to get funds
1-7 business days depending on loan security type
Loan uses
Credit card refinancing, debt consolidation, emergencies, major purchases, medical and dental expenses, moving expenses, special occasions, unexpected expenses, vacation and travel
Read full reviewCredible rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. We collected thousands of data points on dozens of lenders for personal loans, mortgages, and student loans. Specific criteria vary by loan type, but generally include interest rates, loan terms, eligibility requirements, transparency, funding times, repayment options, fees, discounts, customer service, cosigner options, and more.
Read our full methodology.
Overview
OneMain Financial has multiple options for bad-credit personal loans. There is no minimum credit score required (if you apply directly with OneMain), which means you could get a loan with bad credit (FICO below 580). Plus, cosigners are allowed — a cosigner is someone (ideally, with good credit) who promises to repay the loan if you can't, which can make it easier to qualify or lower your rate. And, secured personal loans are available. You secure a loan with collateral, which may also help you qualify or lower your rate.
Rates are higher than competitors and OneMain charges origination fees as either a flat fee up to $500, or a percentage from 1% to 10% (depending on your state of residence). Note that even if you prequalify for a personal loan with OneMain, getting approved isn't a given.
pros
- Flexible eligibility requirements
- Offers secured options
- Competitive bad-credit loans
- Physical presence
cons
- Availability
- Origination fees
- High starting APR
- Low maximum loan amount
Fees
Origination fee, unsuccessful payment fee, late fee
Eligibility
Must have photo I.D. issued by U.S. federal, state or local government
Time to get funds
As soon as 1 to 2 days after acceptance
Loan use
All except business, and education
Read full reviewTypes of mobile and manufactured home financing
There are several loan types that you can use to purchase a mobile or manufactured home. If your home is not on a permanent foundation, it’s unlikely you’ll be able to use anything other than a personal loan or chattel loan to finance the purchase.
| | | | | |
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| | | | | |
| | | | 6 months to 25 years + 32 days* | |
| | | | | |
| | | | | |
| | Only if home sales price exceeds appraised value | | | Appraised value of property or purchase price, whichever is lower |
| | Not required for qualified borrowers | | | Around $330,000 to $700,000, depending on location |
| | | | | |
*Repayment terms and loan amounts may vary depending on whether the loan is for a single- or multi-section manufactured home and whether the loan covers a manufactured home and lot (combination loan).
Personal loans
Personal loans are a type of installment loan used for a wide range of purposes. Although personal loans for the purpose of home-buying are typically prohibited, lenders might make a distinction between homes that are permanently affixed to a foundation and built on-site (considered real estate) and mobile homes (considered personal property).
As with most types of credit, the lowest personal loan rates tend to go to borrowers with good credit (generally a credit score of 640 or higher). However, a small number of lenders offer personal loans for bad credit. Repayment terms typically range between two and seven years.

Important
Unlike the interest you pay on a mortgage, you typically can’t deduct personal loan interest on your taxes.
Conventional loans
Conventional loans are mortgages offered by mortgage lenders that aren't backed by a government program such as the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), or Department of Agriculture (USDA). These loans are only available for homes on a permanent foundation that are considered real property and typically require a down payment. Borrowing requirements vary between lenders. Also, conventional loans usually have repayment terms of 15 or 30 years.
FHA Title 1 loans
FHA Title 1 loans are mortgages designed specifically for manufactured homes and may be available for homes considered real or personal property. The program backs loans that private mortgage lenders offer. You can use an FHA Title 1 mortgage for a manufactured home, the lot the home will sit on, or both. Some of the requirements of the Title 1 program include new homes having a one-year manufacturer's warranty and meeting local and state rules for the installation and construction of your home's foundation.
Fannie Mae manufactured housing loans
Government-sponsored company Fannie Mae offers backing for conventional mortgages used for manufactured homes titled as real property. The loans are similar to conventional mortgages — you have to pay for mortgage insurance unless you make a 20% down payment or have 20% equity in your manufactured home, and you can purchase points upfront to lower your interest rate. Additionally, manufactured home loans backed by Fannie Mae are eligible for borrowers with credit scores equal to or greater than 620.
Freddie Mac mortgage
Government-sponsored company Freddie Mac's CHOICEHome program is tailored to buyers looking for a manufactured home that is considered real property and affixed to a permanent foundation. Through the program, you get access to mortgages with a 3% down payment requirement.
VA loan
Offered through the Department of Veterans Affairs, these loans provide several benefits if you're a qualified borrower and shopping for a manufactured home that meets certain criteria. Like Fannie Mae and Freddie Mac loans, you can only finance mobile homes that are affixed to a permanent foundation.
Loan terms are up to 15 years for a manufactured home lot purchase, up to 20 years for a manufactured home, and up to 25 years for a manufactured home and its lot. One of the perks of a VA loan is that you don't have to get private mortgage insurance if you have less than 20% equity, and qualified applicants don't have to make a down payment.

Good to know
You may have to pay a VA funding fee ranging from 1.15% to 2.15% of the loan amount. The fee percentage depends on the type of loan, your down payment amount, and whether it's your first time using a VA-backed or VA direct home loan.
USDA loan
The USDA offers a program that backs mortgages provided for borrowers who want to buy a manufactured home. Known as the Combination Construction-to-Permanent Loan Program, the USDA provides 100% backing for manufactured home mortgages, plus additional fees such as buying a lot, landscaping costs, and builder's risk insurance. The loan is available to borrowers who live in “eligible rural areas with populations up to 35,000,” the USDA notes in the program's guide. A list of USDA-approved lenders for the program is available here.
Chattel mortgage/Mobile home loan
A chattel mortgage is an out-of-date term that describes mortgages for movable property, such as machinery or a mobile home. They're typically offered by manufactured home builders. To secure your mortgage, you allow the lender to place a lien against the mobile home until you've paid it off, similar to how an auto loan lender owns the title to your car until you pay off your auto loan. In some cases, chattel mortgages might allow a wider range of credit scores, have repayment terms of less than 30 years, and allow debt-to-income ratios that are typically higher than what's required for traditional mortgages.

Important
Lenders approve chattel mortgages less frequently than traditional mortgages, and there are few opportunities to refinance a chattel mortgage compared to traditional mortgages.
What types of mobile homes can be financed with a personal loan?
Mobile home
“Mobile home” is a phrase used to describe a mobile home built in a factory and initially sold before July 1, 1980. “Mobile home” and “manufactured home” may be used interchangeably. But a home that is literally mobile (without a permanent foundation) typically has fewer financing options — which is why a personal loan can be a good financing tool.
Mobile homes underwent an official name change because of the Housing and Community Development Act of 1980, which “amends the United States Housing Act, the Housing and Community Development Act of 1974, and the National Housing Act to change the term 'mobile home' to ‘manufactured home.’”
Some manufactured homes
“Manufactured home” is the modern terminology for mobile homes and technically speaking, refers to a mobile home built in a factory and initially sold on or after July 1, 1980. Manufactured homes are held to HUD standards for safety, and typically include the systems you'd normally find in homes built on-site, such as air conditioning, electrical, plumbing, and heating.
Manufactured homes on a foundation, however, are typically considered real property and are more likely to be financed with a mortgage (as opposed to a personal loan or a chattel loan). A personal loan may be an option to finance a manufactured home that’s not on a permanent foundation or that doesn’t meet HUD requirements.

Good to know
The HUD definition for a manufactured home states that the home must be at least 8 feet in width, at least 40 feet in length, or at least 320 square feet after it's placed on-site.
How to get a personal loan for a mobile home
Mobile home financing with a personal loan is a relatively simple process compared to other options, such as any type of mortgage, since no appraisal is needed. The steps are as follows:
- Prequalify: Prequalify with several lenders to get a sense of whether your application will be approved and what interest rate, loan amount, and repayment terms you might be eligible for. Prequalification won't hurt your credit and takes about 10 minutes.
- Apply: Once you've found a lender that looks good, fill out a full application. You'll need to support your application with documentation like your ID and bank statements or pay stubs. You'll also need to authorize a hard credit check, in most cases. Expect to spend an hour or more on this step.
- See if you're approved: Some lenders let you know instantly, while others could take a few days to approve (or deny) your application. Once approved, review the loan agreement to make sure the loan amount, rate, repayment term, and fees are acceptable — these could differ from what you saw in the rate quote.
- Accept the loan and await funding: If you accept the loan, the lender will send the money to your bank account. This step could happen as soon as the same day you're approved (with a handful of lenders), but it will likely take 1 to 3 business days.
While mortgages have repayment terms of 15 and 30 years, personal loans have shorter repayment periods that typically fall in the two- to seven-year range.
Real-life example: Leon Fisher, a real estate advisor at Pennsylvania-based Zook Cabins, says that around 20% of his customers use personal loans to buy a manufactured home. Many of those customers don't have much time to make a purchase or can't meet mortgage requirements.
“The strongest appeal of a personal loan lies in its speed and simplicity,” Fisher says. “No home appraisal. No escrow. No collateral.”
He mentioned a client who planned to use a mobile home as a rental property but was frustrated with how long her mortgage application was taking.
“Her mortgage application had been pending for months, so she secured a personal loan, getting her cash in hand within five days,” Fisher says. “In less than a month, she was already taking bookings on Airbnb. That kind of agility offers strong leverage if you're under time pressure or trying to seize a short-term rental opportunity before peak time.”
Pros and cons of financing your mobile home with a personal loan

Pros
- Easy application process
- No collateral required
- Interest savings
- No down payment required

Cons
- Limited options for loan amounts above $50,000
- Higher interest rate than mortgages
- Shorter repayment terms mean higher monthly payments
Pros
- Easy application process: Whereas a mortgage application can take longer than a month to complete, some personal loan lenders often can approve your application within seconds.
- No collateral required: Most personal loans are unsecured, which means they don't require collateral. Therefore, if you default on your loan payments, you won't lose what you purchased with your loan funds. With a mortgage, your home is used as collateral, and you could lose it if you default.
- Interest savings: Even though rates may be higher, personal loans tend to have shorter repayment periods than mortgages — which means your total interest cost over the life of the loan could be much lower.
- No down payment required: Unlike personal loans, mortgage-type financing options typically require a down payment.
Cons
- Limited options for loan amounts above $50,000: Finding a lender that offers loans big enough to pay for a new mobile home may be difficult, as only a handful of them offer personal loans above $50,000.
- Higher interest rate than mortgages: The average mortgage rate has been in the 6% to 7% range (for the most part) over the past couple of years, while Federal Reserve data show the average interest rate for a two-year personal loan at 11.14%.
- Shorter repayment terms mean higher monthly payments: Personal loan monthly payments tend to be higher than what you'd pay with a 30-year mortgage, since loan terms are typically much shorter.
“Using a personal loan to buy a mobile home can be a good option, especially if you've got a decent credit score and don't want to deal with the red tape of a traditional mortgage,” says Char Hiaring, founder of real estate firm Sell My House Idaho. “From what I've seen, it can usually get you funding quickly, and you can avoid the stricter requirements tied to mobile home financing, which can honestly be a real headache.”
Hiaring says personal loans are often effective “when someone's buying an older mobile home that wouldn't qualify for other financing, or if they just need a small amount to cover the cost outright.”
How much does a mobile home cost?
Census Bureau data show that the average cost of a new mobile home was $124,800 in April 2025. Exactly how much your manufactured home will cost depends on the size (single- or double-wide), where you live, and whether it's new or pre-owned. Here's a breakdown of average prices for new mobile homes across the United States:
However, prices for pre-owned mobile homes tend to be significantly lower. Depending on its age and condition, the price of a used mobile home could range from $10,000 to $250,000 for a single-wide and $20,000 to $60,000 for a double-wide.
Methodology
Credible evaluated 32 lenders across 1,216 data points to find the best loans for mobile homes. The lenders on our list either offer mobile home loans as a specific type of loan or allow general-purpose loans such as major purchases. We chose the best lenders based on the following weighted categories:
- Rates and fees: 18.75%
- Eligibility and options for bad and no credit: 17.5%
- Availability: 12.5%
- Loan amounts and terms: 10%
- Customer satisfaction: 10%
- Customer service: 10%
- Efficiency and fund delivery: 10%
- Discounts: 7.5%
- Credible proprietary data: 3.75%
Credible's team of experts gathered information from each lender's website and from our partners directly. We also considered each of our partner lenders' statistics over a 12-month period — including average funding times, average credit scores for approved applicants, and average rates. Each data point is verified by a senior editor to make sure it's accurate at the time of publication.
Learn more about how Credible rates lenders by exploring our personal loans lender rating methodology.
Where we get our data

Credible is a personal loans marketplace that partners directly with lenders to offer loans for a wide range of credit profiles and loan purposes. Because of these relationships, we have access to the most current interest rates that real borrowers are being approved for, along with average rates by credit score and loan purpose, approval rates overall and by lender, and more. The data we use is primary source data, updated weekly, and does not include any personally identifiable information about borrowers.
Why trust Credible

The Credible editorial team is independent and unbiased — we base ratings on a data-driven process and apply rating algorithms uniformly to ensure fair comparisons between lenders. We never get paid to rank products or lending partners.
Our expert editorial staff analyzed 1,216 personal loan data points across 32 lenders, assessing rates, fees, customer experience, and more to simplify your personal loan comparison. For a deeper dive into our process, see our detailed methodology.
Credible has a 4.8 out of 5 star rating with Trustpilot, based on over 8,000 reviews.
FAQ
Is it hard to get a personal loan for a mobile home?
Open
It depends on how much the home costs, your income, and your credit. If you’re buying a used mobile home and have good credit, it could be relatively easy and quick to get a personal loan. If you’re buying a new mobile home or have bad credit, it could be much more difficult or impossible. The maximum loan amount for many online lenders is $50,000 or less, but a few offer bigger loans. Upstart offers loans of up to $75,000, for example, while LightStream and SoFi offer loans of up to $100,000.
Where can I get a personal loan to purchase a mobile home?
Open
Several online lenders offer personal loans in amounts that could cover the purchase of a new or pre-owned mobile home. Some banks and credit unions also offer mobile home personal loans.
What credit score do you need to finance a mobile home?
Open
Typically, you'll need to have a credit score of at least 640 for any type of conventional loan. However, credit score requirements and other financial qualifications may be less strict for government-backed loans through agencies such as the Federal Housing Administration.
What is the maximum personal loan amount for a mobile home?
Open
The maximum loan amount can vary widely, depending on the type of loan, the lender, and other factors. For personal loans, the ceiling is probably $100,000. For certain government-sponsored loans, maximum loan amounts could be $200,000 or more.
How long would I have to pay off a loan for a mobile home?
Open
If you use a mortgage to pay for a mobile home, most range from 15 to 30 years. The typical repayment period for a personal loan from a commercial lender is two to seven years.
Disclosure: Some lending partners that participate in Credible's comparison marketplace offer loans to borrowers with scores as low as 550. Borrowers with low scores will have fewer lending options than borrowers with higher credit scores.
Meet the expert:
J.R. Duren
J.R. Duren has 17 years of professional writing experience, was a three-time winner at the Florida Press Club Excellence in Journalism contest, and has edited and written about personal finance for the past seven years. His work has appeared at Investopedia, The Balance, LendingTree, and H&R Block.