Editor's choice: Credible personal loans
- Loan range: $1,000-$100,000
- Personalized rates in minutes
- Funds as soon as 1 day
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At this loan amount, there are options for all credit types. However you typically need good or excellent credit to be eligible for the lowest interest rates.
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.
If you're looking to get a $10,000 loan quickly, 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.
To see a list of lenders you may qualify for, select your credit score range and the state where you live in the table below.
Find out how much you can expect to pay on a $10,000 loan.
See how much you'll pay
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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.
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.
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.
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.
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.
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:
To compare your borrowing options, check our 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:
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