FP
FundingPoint

Personal Loans from $5,000 to $100,000+

Compare personalized rates from 100+ lenders in minutes. One simple form, multiple offers.

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5 min application
No impact to credit score
Free to use

Current Personal Loan Rates

6.99%
Starting APR
For excellent credit (720+)
$5K-$100K
Loan Amounts
Based on creditworthiness
2-7 years
Loan Terms
Flexible repayment options

Personal loan requirements

Typical Requirements

Credit score of 580+ (670+ for best rates)
Stable income and employment history
Debt-to-income ratio below 40% (ideally under 36%)
U.S. citizenship or permanent residency
Valid bank account

Documents Needed

Government-issued ID (driver's license or passport)
Proof of income (pay stubs, W-2s, or tax returns)
Bank statements (recent 2-3 months)
Proof of address (utility bill or lease)
Social Security number

What can you use a personal loan for?

Debt Consolidation

Combine multiple high-interest debts into one manageable monthly payment with a lower rate

Home Improvements

Fund renovations, repairs, or upgrades that increase your home's value

Major Purchases

Finance large expenses like weddings, medical bills, or dream vacations

Emergency Expenses

Cover unexpected costs like medical bills or urgent home repairs

Moving Costs

Finance relocation expenses for a new job or lifestyle change

Special Events

Fund once-in-a-lifetime events like weddings or milestone celebrations

How to get a personal loan

1

Tell us about yourself

Complete our simple 5-minute form with your loan amount, purpose, and basic information

2

Compare your offers

Review personalized rates from multiple lenders with no impact to your credit score

3

Choose and apply

Select your best offer and complete the application. Get funded in as fast as 1 business day

Frequently Asked Questions

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