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Use our table to compare lenders that offer $35,000 loans. Select your state, credit score range, amount and purpose to compare options available to you. Check Compare for up to four providers for a side-by-side comparison and hit Go to site to check your rate.
Ready to apply for a $35,000 loan? Follow these five steps:
Typically, you need to meet the following requirements to qualify for a $35,000 loan:
Knowing your credit score and debt-to-income ratio can also help you narrow down the lenders you want to apply with, saving you time and energy.
To qualify for a $35,000 loan, you typically need to have good to excellent credit.
Before you apply, check your credit score. If it’s lower than expected, there are steps you can take to correct any errors on your report and potentially bolster your score. Or, consider signing up for credit repair.
Because a $35,000 loan is on the higher end of what most lenders offer, you generally need stellar credit and a low debt-to-income (DTI) ratio to qualify for an unsecured loan on your own. If you’re not sure you’re eligible, you might want to consider a secured loan or apply for a personal loan with a cosigner.
Personal loans of $35,000 typically come with lower rates than smaller loan amounts — which usually ranges from 6% and 36%. You may also need to pay an origination fee, which can sometimes run as high as 10%. Lenders either deduct the origination fee from your loan amount or add it to the loan balance you owe at closing. If you apply for a loan with an origination fee, ask your lender how it applies that fee. Otherwise, you might not receive the full $35,000 you applied for.
Your loan term also affects the total and monthly cost of your loan. Personal loan terms typically range from three to seven years, with long terms giving you a lower monthly cost but higher total cost than short terms.
Your bank account may take a more noticeable hit from a loan with a short term, but a longer term may not offer as many monthly savings as you expect. That’s because many lenders charge higher APRs for the longer the loan term. To lower the total cost of the loan, consider going for the shortest term you can afford.
Use our loan repayment calculator to see how much a $35,000 loan may cost you based on its loan term and interest rate.
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A good credit score is key to getting a low rate on a personal loan. Not only can your creditworthiness make or break your approval odds overall, but it’s also the key factor in what interest rates you can qualify for.
Here are some ways to boost your chances of nailing down a low rate:
A $35,000 loan sounds like a big mountain to climb — and you’re not wrong. For loans of this size, it’s often a multi-year loan which feels like a huge commitment. On top of that, over time you may find yourself in a different financial situation toward the end of the loan.
If you’re worried about repaying the loan, know that there are multiple repayment tactics to consider:
Personal loans are great for consolidating debt or investing in home improvements. But you may want to also consider a home equity lines of credit or if you own a home and are looking for lower rates. Personal lines of credit may also be a better option for financing ongoing projects — or to have on hand as an alternative to a credit card. For more information on these loans and four more options, see our full guide on personal loan alternatives.
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