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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..

Our top pick: LendingClub Personal Loan

  • Min. Credit Score Required: 640
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $40,000
  • APR: 6.95% to 35.89%
  • Requirements: US citizen or permanent resident, verifiable bank account, steady source of income, ages 18+.
  • No prepayment penalties
  • Flexible loan terms
  • Fast and easy application

Our top pick: LendingClub Personal Loan

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

  • Min. Credit Score Required: 640
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $40,000
  • APR: 6.95% to 35.89%
  • Requirements: US citizen or permanent resident, verifiable bank account, steady source of income, ages 18+.
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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
$40,000 As few as 3 days
Go to Lending Club's site
$10,000 1-3 business days
Go to NetCredit's site
$100,000 Varies
Go to SoFi's site
$100,000 Varies by lender
Go to Monevo's site
Prosper $40,000 1 to 3 business days
Go to Prosper Funding LLC's site

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.

Updated April 26th, 2019
Name Product Filter Values Minimum Credit Score Max. Loan Amount APR
640
$40,000
6.95% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.
680
$100,000
5.99% to 16.24%
No fees. Multiple member perks such as community events and career coaching.
550
$100,000
3.99% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
Good to excellent credit
$100,000
5.34% to 35.99%
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
620
$50,000
7.99% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
550
$100,000
3.84% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.
550
$10,000
34% to 155% (Varies by state)
Check eligibility in minutes and get a personalized quote without affecting your credit score.
640 FICO®
$35,000
5.99% to 29.99%
A prime lender with multiple repayment methods.

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.

Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.

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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30 Responses

  1. Default Gravatar
    DianaApril 24, 2019

    How can I borrow money?

    • finder Customer Care
      JoshuaApril 24, 2019Staff

      Hi Diana,

      Thanks for getting in touch with Finder. I hope all is well with you.

      To borrow money, you would need to first assess your needs and preference. From there, start comparing your options by using the table above. Compare based on various factors such as credit score, loan amount, and APR. You can then click on the “Go to site” green button of your chosen provider to learn more.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    JamesMarch 21, 2019

    My daugther is getting married and I need a$ 4000.00 loan my credit isn’t that good but I need some help with it

    • finder Customer Care
      johnbasanesMarch 22, 2019Staff

      Hi James,

      Thank you for reaching out to Finder.

      You may be interested in checking the Finder articles we have below:

      Installment loans for bad credit
      Bad credit cash loans

      Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!

      Cheers,
      Reggie

  3. 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

  4. 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

  5. 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
      JhezOctober 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

  6. 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
      JhezOctober 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

  7. 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

  8. 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

  9. 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

  10. 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

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.

Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.

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