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How to get approved for a $10,000 personal loan

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Find a lender that offers $10,000 loans as soon as tomorrow.

You’re in luck if you’re looking for a $10,000 loan — it’s not hard to find a lender that offers one. At this amount, there are options for all credit types. However you typically need good or excellent credit to be eligible for favorable rates..
Credible Personal Loans

Our top pick: Credible

Quickly get personal loan offers from top online lenders.

  • Minimum Loan Amount: $1,000
  • Maximum Loan Amount: $100,000
  • Loan Terms: 2 to 7 years
  • One simple form
  • Must have good to excellent credit

    How to take out a $10,000 loan today

    If you’re looking for a $10,000 loan, there are lenders that offer one-day turnaround. This means that if you apply for a loan and it’s processed by a certain time, usually before the end of the business day, you may be able to have the approved loan amount in your account that same day.

    Applicants with bad credit can access these loans through non-traditional lenders, while those in better credit standing may be able to apply with their own bank for quick approval. You can find out more about some of these options below.

    Lenders to consider for a $10,000 personal loan

    Personal Loan Max Loan Amount Turnaround Time
    Prosper $40,000 1-3 business days
    $40,000 As few as 3 days
    $10,000 1-3 business days
    $100,000 Varies
    $50,000 1 business day

    Read review

    Compare more lenders for a $10,000 personal loan

    Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

    Rates last updated December 11th, 2018

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    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Max. Loan Amount APR
    Even Financial Personal Loans
    Get connected to competitive loan offers instantly from top online consumer lenders.
    550
    $100,000
    3.84% to 35.99% (fixed)
    Credible Personal Loans
    Get personalized rates in minutes and then choose a loan offer from several top online lenders.
    Good to excellent credit
    $100,000
    4.99% to 36% (fixed)
    LendingClub Personal Loan
    A peer-to-peer lender offering fair rates based on your credit score.
    660
    $40,000
    6.95% to 35.89% (fixed)
    Monevo Personal Loans
    Quickly compare multiple online lenders with competitive rates depending on your credit score.
    550
    $100,000
    3.34% to 35.99% (fixed)
    NetCredit Personal Loan
    Check eligibility in minutes and get a personalized quote without affecting your credit score.
    550
    $10,000
    34% to 155% (Varies by state) (fixed)
    SoFi Personal Loan Fixed Rate (with Autopay)
    No fees. Multiple member perks such as community events and career coaching.
    680
    $100,000
    7.24% to 15.24% (fixed)
    Marcus by Goldman Sachs Personal Loans
    Consolidate your debt or pay off large expenses with competitive rates and no fees.
    Good to excellent credit
    $40,000
    6.99% to 24.99% (fixed)
    OneMain Financial Personal and Auto Loans
    An established online and in-store lender with quick turnaround times. Poor credit is OK.
    Varies
    $30,000
    16.05%–35.99%* (fixed)
    Avant
    Conveniently check your loan options without affecting your credit score.
    580
    $35,000
    9.95% to 35.99% (fixed)

    Compare up to 4 providers

    What are my options if I want to borrow $10,000?

    Bad credit or good credit, there are options available to you if you need to borrow a large amount of money.

    Loans up to $10,000 are available from both traditional and nontraditional lenders and can come in a variety of forms: Secured or unsecured, short-term or long-term, for personal or business use. The first step to taking out a loan is understanding your options.

    If you have…

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    If you have bad credit

    There are lenders that offer loans up to $10,000 for people with bad credit. There are usually certain requirements you’ll need to meet, and you may be required to secure the loan with an asset. Some lenders may also allow you to submit a joint application if you don’t meet the eligibility criteria on your own. Remember to find out about all the options available to help your chances of being approved. The interest rate on these loans is usually set on an individual basis but may be higher than similar loans for borrowers with good credit.

    Compare bad credit personal loans

    If you have good credit

    You’ll most probably have more options available to you if you’re looking at borrowing $10,000 and you have good credit. Traditional lenders, such as a bank, will likely be an option, and you’ll enjoy lower rates and fees than if it were a bad credit loan. You may also find that your current bank offers same-day funding to existing customers. Depending on your income and other financial circumstances, you may be eligible for a secured or unsecured loan.

    If you’re willing to secure your loan

    Securing your loan with an asset may open up more loan options to you. Secured loans are less risky for lenders as they will be guaranteed to recoup their losses should you default. Because of this, these loans come with lending criteria that are more flexible than unsecured loans, and sometimes they even carry better APRs. Typical assets used to secure a loan include a vehicle or equity in a property, but some lenders also allow for other things, such as jewelry.

    If it’s for a business

    A $10,000 personal loan taken out for business purposes is different from one taken out for personal use. Business loans usually come with higher maximum loan amounts, with some lenders able to approve loans of up to $5 million. Business loans may be available to both established businesses and startups, although small businesses may not have access to larger loan amounts.

    Where can I get a $10,000 loan?

    • Online direct lenders. Online direct lenders are typically faster than more traditional options like a bank or credit union. You typically don’t need to submit as many documents, and filling out the application only takes a few minutes if you’re looking for preapproval.
    • Peer-to-peer (P2P) platforms. Rather than funding your loan directly, peer-to-peer platforms get your loan from investors. The application process is similar to an online direct lender, but it can take as long as a week to get your money.
    • Online marketplaces. These connection services let you apply to prequalify with multiple lenders at once. It’s an easy way to make a quick, accurate comparison, although you might end up fielding calls from lenders after you’ve already taken out a loan.
    • Banks. Banks are generally only an option for borrowers with good to excellent credit. They can have competitive rates but tend to require extra documentation, and the application process is more involved. It can also take longer to get your funds. Local banks, however, tend to have a higher approval rate than online lenders.
    • Credit unions. Your local credit union might be easier to qualify for a $10,000 loan, and they often have competitive rates since they’re non-profit financial institutions. However, most credit unions require that you be a member for a few months before letting you apply.

    How to find a competitive $10,000 loan

    When considering what loan to apply for, it’s important to compare features of each loan to make sure you’ll receive a competitive offer. Here are some things to look at:

    • Fees. What fees will you be charged with this loan? Remember to consider ongoing fees as well as any charges you will have to pay at the onset, including origination fees.
    • Turnaround time. The time it takes to get your loan approved and for it to arrive into your bank account will differ between lenders. Make sure the lender you apply with can get your loan amount to you when you need it.
    • Repayment schedule. How can you repay your loan? Are you able to repay the loan early without penalty? When are your repayments due? Can you change the schedule when you need it?

    Tips to get approved with bad credit

    • Review the eligibility criteria. Do this before you apply to make sure you are eligible. Look for things like minimum income, employment requirements, etc.
    • Submit all necessary documents. Check what documents are needed and make sure you are able to send everything that the lender requires.
    • Consider a joint application or guarantor. This can help if you don’t have the best credit or if you don’t meet the income requirements.

    More personal loan types

    To compare all your options for a personal loan, check our complete guide on personal loans. We discuss the different types of personal loans available, how much they usually cost and where you can apply.

    There are also quick links to several loans by term and amount below:

    Fixed Term

    Fixed Amount

    7 days
    30 days
    2 months
    3 months
    6 months
    9 months
    12 months
    24 months

    Frequently asked questions

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    US Personal Loans Offers

    Important Information*
    Credible Personal Loans

    Get personalized rates in minutes and then choose a loan offer from several top online lenders.

    Monevo Personal Loans

    Quickly compare multiple online lenders with competitive rates depending on your credit score.

    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    No fees. Multiple member perks such as community events and career coaching.

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    26 Responses

    1. Default Gravatar
      JeffNovember 11, 2018

      I am 41 years old with a full time job but I have a credit score of 518 and I am wanting to buy my dream 3.67 ac of land for $10.000 , and I really would love to find bank that I could borrow it from, can u please help me

      • finder Customer Care
        johnbasanesNovember 12, 2018Staff

        Hi Jeff,

        Thank you for reaching out to finder.

        You may check on this link to be routed to our page about purchasing land through a personal loan. You may also check on the different lenders available in your state to determine what is suitable for you. Hope this helps!

        Cheers,
        Reggie

    2. Default Gravatar
      CDDecember 21, 2017

      Currently unemployed, have no income coming in. However, I have a business account with a little under $9,000.00 in it. I don’t want to touch the biz account for personal finances.

      Can I get a personal loan secured against my business bank account? My credit is good and fair, if that matters.

      Thanks,
      CD

      • finder Customer Care
        JoanneDecember 22, 2017Staff

        Hi CD,

        Thanks for reaching out.

        You may check this page as this will list the lenders who accepts applicants with alternate income.

        There are different loan options for people who are unemployed. Also, there are lenders that may use a car or a boat outright or some equity in a property as security for the loan. It would be best to check the lender’s website or call their customer service line before applying to confirm the lender accepts applications from individuals who are unemployed and for options of using an asset as a security.

        Cheers,
        Joanne

    3. Default Gravatar
      FrancisOctober 30, 2017

      I have a credit rating of 538 I’m in desperate need of a 2000 dollar loan I’d be able to pay it one and half months

      • finder Customer Care
        JhezelynOctober 31, 2017Staff

        Hi Francis,

        Thank you for your comment.

        In this case, you may consider a short term loan. You may compare the lenders that offer $2000 short term loans on this page. Once you find a loan you wish to apply for, simply click on the Go to site button. Please make sure to meet the eligibility criteria before submitting your application.

        Hope this helps.

        Regards,
        Jhezelyn

    4. Default Gravatar
      RussOctober 30, 2017

      I am in need of about $5,000 for home improvement and $35,000+ for debt consolidation. How do I proceed?

      • finder Customer Care
        JhezelynOctober 31, 2017Staff

        Hi Russ,

        Thank you for your comment.

        Debt consolidation may help you get out of debt. However, please note that bigger loan means a bigger risk to the lender, and you’ll need to secure the loan by putting down collateral. You may please check with the lenders listed on this page that may consider you for a loan.

        For home improvement loans, you may please refer to this page and compare personal loans you can apply.

        Please do note that the lenders will have to look your capability to repay the loan. You also need to ensure that you meet the eligibility criteria before submitting an application.

        Hope this helps.

        Regards,
        Jhezelyn

    5. Default Gravatar
      EarmaSeptember 24, 2017

      Borrowed money with no bank account.require

      • finder Customer Care
        AnndySeptember 25, 2017Staff

        Hi Earma,

        Thanks for your question.

        If you don’t have a bank account, the lenders listed on this page may still consider you for a loan, but you may be required to have a prepaid debit card. Other eligibility criteria apply.

        Kindly review the eligibility criteria of the loan you are interested in before submitting your application.

        Cheers,
        Anndy

    6. Default Gravatar
      IreneAugust 16, 2017

      Please i need a loan of $12000

      • Default Gravatar
        DanielleAugust 16, 2017

        Hi Irene,

        Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

        You may refer to this page for options that may suit your needs. You may customize, review, and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

        I hope this helps.

        Cheers,
        Danielle

    7. Default Gravatar
      WesAugust 15, 2017

      I need to borrow 10,000 dollars just to gethe my house ready to sale.and I would pay it back at closing

      • Default Gravatar
        SandraSeptember 6, 2017

        I need a 10.000 dollar personal loan for home repairs I have bad credit.

      • Default Gravatar
        LiezlSeptember 6, 2017

        Hi Sandra,

        Thanks for reaching out. Lenders listed on this page offer loans even to those who have low credit scores. Better still, speak to a loan broker who can help you find a loan product tailored to your personal circumstances.

        Warm regards,
        Liezl

      • Default Gravatar
        DanielleAugust 15, 2017

        Hi Wes,

        Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

        You are in the right page. You may customize, review, and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

        I hope this helps.

        Cheers,
        Danielle

    8. Default Gravatar
      anthonyJuly 29, 2017

      I have a question referring to a loan I was trying to get from Consumer loans I’ve already given the person 1325 and I haven’t been able to get my $10,000 loan they want me to send another $725 because they cannot wire me the money I seem to think this is a scam and I think I have been taken first for $1,325 and the guys name is Jason Carter from Consumer loans and he is rude and obnoxious if you could give me any insight on why they would need all this money ahead of time when it was supposed to be a $300 payment for insurance and then it turned into being more and I’m pretty sure I’ve gotten screwed out of all the money I’ve given them they are out of California and I really don’t think they are it’s a 213 area code and I’ve done a little research I think it’s a scam if you know anything about this please please give me any information that you possibly may know thank you very much I appreciate it

      • finder Customer Care
        AshAugust 2, 2017Staff

        Hello Anthony,

        Thank you for reaching out to us.

        For the features of a legitimate loan, you may refer to the bottom of this page – https://www.finder.com/legit-payday-loans. Also, there is a selection of lenders available that you may consider.

        Kindly review all the criteria and details of the loan product first and once you have decided what will suit best your needs, you may click on the green ‘Go to site’ button.

        I hope this information helps.

        Let us know if there is anything else that we may assist you with.

        Cheers,
        Ash

    9. Default Gravatar
      WendyJuly 26, 2017

      I don’t have very good credit and I have 2 loans and credit cards. Would I qualify to borrow to consolidate 2 loans so I’d only have one payment

      • finder Customer Care
        AnndyJuly 27, 2017Staff

        Hi Wendy,

        Thanks for your question.

        If you are looking to consolidate your loans, you may compare your loan options here.

        Kindly review the eligibility criteria and the terms and conditions of the loan before clicking the “go to site” button to submit your application.

        Cheers,
        Anndy

    10. Default Gravatar
      WalterJuly 3, 2017

      How get loan to pay off bills , trying to build bad credit?

      • finder Customer Care
        HaroldJuly 3, 2017Staff

        Hi Walter,

        Thank you for your inquiry.

        There are lenders who offer loans up to $10,000 for people with bad credit. There are usually certain requirements you’ll need to meet, and you may be required to secure the loan with an asset. Some lenders may also allow you to submit a joint application if you don’t meet the criteria. Remember to find out about all the options available to help your chances of being approved. The interest rate on these loans is usually set on an individual basis. You may want to check your options here.

        I hope this information has helped.

        Cheers,
        Harold

    US Personal Loans Offers

    Important Information*
    Credible Personal Loans

    Get personalized rates in minutes and then choose a loan offer from several top online lenders.

    Monevo Personal Loans

    Quickly compare multiple online lenders with competitive rates depending on your credit score.

    LendingClub Personal Loan

    A peer-to-peer lender offering fair rates based on your credit score.

    SoFi Personal Loan Fixed Rate (with Autopay)

    No fees. Multiple member perks such as community events and career coaching.

    Go to site