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Get a $15,000 personal loan

Compare low rates for 15k loans available from big banks and online lenders.

Best for good credit

Best Egg personal loans

Starting APR

5.99% to 35.99%

Loan terms

3 to 5 years

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Best for fair credit

Upstart personal loans

Starting APR

5.4% to 35.99%

Loan terms

3 or 5 years

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Best marketplace

Credible personal loans

Starting APR

3.99% to 35.99%

Loan terms

2 to 7 years

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You can find a $15,000 personal loan with most traditional and alternative lenders. Some alternative options like crypto loans are available to all credit types. But you typically need to have cryptocurrency worth at least $30,000 to use as collateral. Learn more about your options and calculate how much a loan might cost you.

Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
3.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 35.99%
A prime online lending platform with multiple repayment methods.
SoFi personal loans
6.99 to 22.23%
A highly-rated lender with competitive rates, high loan amounts and no fees.
Upstart personal loans
5.4% to 35.99%
This service looks beyond your credit score to get you a competitive-rate personal loan.
Upgrade personal loans
5.94% to 35.97%
Affordable loans with two simple repayment terms and no prepayment penalties.

Compare up to 4 providers

Where can I get a $15,000 personal loan?

Banks, credit unions and online lenders all offer personal loans — and it’s common to find good rates for $15,000. But the wide variety of lenders means you should take your time comparing options. Pick a lender that will work with your credit and budget so you can get the funding you need without much hassle.

How much will a $15,000 personal loan cost?

The cost of your loan primarily depends on two factors: Loan term and interest rate. Here is an example of how much your personal loan might cost with an 9.41% APR.*

2 years



5 years



7 years



*We chose 9.41% by using the average interest rate for a personal loan, according to data from a 2019 Experian study.

Use our calculator to determine how much your monthly payment and total cost might be by adjusting the loan term and interest rate.

$15,000 loan repayment calculator

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How to get a $15,000 personal loan

Before you get started on an application, follow these steps:

  1. Check your credit. Knowing your credit score and history will help you find lenders that are more likely to approve you for a loan.
  2. Compare lenders. Since there are multiple lenders that offer loans of $15,000, you should compare your personal loan options to narrow down your search — and avoid filling out dozens of applications.
  3. Apply for preapproval. Most lenders offer preapproval to let you see your potential loan terms before you undergo a hard credit check. While you aren’t guaranteed full approval, it can help you narrow down the list of lenders you are able to work with.
  4. Submit required documents. You will need to provide proof of income, employment and residence to finalize your application.
  5. Sign your loan agreement. Once you submit a full application, your lender will perform a hard credit check. If approved, you will need to review and sign your loan agreement to complete the loan process.

For a full breakdown of the application process, read our guide on how to apply for a personal loan.

Do I qualify?

Although eligibility criteria varies by lender, you should expect to meet the following requirements when you apply for any personal loan:

  • Good to excellent credit of 670 or higher
  • Consistent source of income, such as employment
  • Low debt-to-income ratio
  • Active checking account

Your lender will likely require you to submit basic information about yourself. This can include your address, Social Security number, date of birth and contact information.

Can I get a $15,000 personal loan with bad credit?

It’s possible, but you’ll need to meet other criteria. Lenders will be more lenient if you have minimal debts and a high income, but you may face a higher APR if you have bad credit. If you don’t, you should take steps to improve your credit or borrow a smaller amount.

How can I get the best rate?

To get the lowest interest rates and best loan terms, you’ll typically need to have good to excellent credit and exceed your lender’s minimum eligibility criteria.

  • Improve your credit. The best rates are given to borrowers with good to excellent credit. If you don’t meet a lender’s minimum score, work on improving your credit before applying to increase your chances of scoring a good rate.
  • Provide collateral. Securing you loan with an asset, like an investment account or property, can help you get a low rate because you lower your lender’s risk. However, you risk losing your collateral if you’re unable to repay your loan.
  • Include all income and assets. Include all your income and assets in your application to demonstrate your ability to repay the loan. The better your finances, the better your APR.
  • Choose a short loan term. While it may mean a slightly higher monthly payment, lenders tend to offer lower rates for shorter loan terms — and it can reduce the amount you pay in interest overall.

Bottom line

Personal loans of $15,000 are common, so you have plenty of lenders to compare. For more information and some of our top choices, read our guide to personal loans.

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    2 Responses

    1. Default Gravatar
      JamieOctober 9, 2018

      I would like to get a personal loan for 15,000 and use my deed to my house and I have a credit score of 560

      • Default Gravatar
        nikkiangcoOctober 10, 2018

        Hi Jamie,

        Thanks for your inquiry and for visiting our page.

        If you own a property outright or hold equity in a mortgaged property, you can use it as collateral for a loan. You can compare lenders that offer secured personal loans to help you find one that might suit you.

        As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the product disclosure statement of the product and contact the lender should you need any clarifications about the card.

        Hope this was helpful. Don’t hesitate to message us back if you have more questions.


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