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$75,000 loans are more rare than you’d think. Only a handful of lenders offer such large amounts — and you’ll need good to excellent credit to qualify for most. But there are some options available, provided you know where to look.
These providers offer $75,000 loans and cater to borrowers with a range of credit scores. Search by state, credit score and loan amount to find the right option for your needs.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
To qualify for a $75,000 loan, lenders primarily look at your income, credit score and debt-to-income (DTI) ratio.
You’ll likely need to meet the following criteria to qualify:
To increase your chances of approval, you need to meet the lender’s minimum credit score requirements. Order a free copy of your credit report from Equifax, Experian and TransUnion. If there’s any errors on your report, correct these before applying for a loan.
Continue making any debt payments on time and avoid taking out any new debt or applying for loans you’re not likely to get. Every time you do a loan application, it lowers your score by a few points. To avoid this, prequalify with lenders you want to work with to see if you qualify before applying for a loan.
If you’re unsure whether you qualify or there’s no prequalification available, contact the lender and ask a loan officer if you’re likely to get the loan or not. This can help protect your credit score as you search for the best loan.
Having a fair or bad credit rating doesn’t automatically mean you can’t get a $75,000 loan – but prepare to pay high interest rates between 12% and 32%, plus origination fees which can run 1% to 10% of the total loan amount.
To increase your chances of approval:
The cost of a personal loan is based on the interest rate and term. The shorter the loan term, the higher your monthly payments will be — but the less interest you’ll pay. Currently, personal loan rates range from 6% APR for excellent credit borrowers up to 35.99% APR for bad credit borrowers.
Here’s what a personal loan would cost with an APR of 10.73% – the national average in 2022.*
Loan term | Monthly payment | Total interest |
---|---|---|
2 years | $3,486.19 | $8,668.65 |
3 years | $2,445.83 | $13,049.71 |
4 years | $1,928.59 | $17,572.55 |
5 years | $1,620.60 | $22,236.06 |
6 years | $1,417.21 | $27,038.81 |
7 years | $1,273.56 | $31,979.06 |
As this table shows, you need to be able to afford monthly repayments of at least $1,273 — likely more. If you can only qualify for the highest rate and longest term, you could end up paying nearly twice as much in interest as the loan itself.
*We chose 10.73% APR because it is the average interest rate for personal loans, according to 2022 data from Bankrate.
Have a loan in mind? Use our calculator to find out how much your $75,000 loan will cost you at different rates and terms.
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Follow these 6 steps to apply for a $75,000 loan:
To reduce the costs your loan:
Paying off a $75,000 loan can seem overwhelming. Here are some tips for paying off your loan faster.
Even if you can secure a $75,000 loan, keep the following watch outs in mind:
Taking out a personal loan for $75,000 isn’t the only way to access cash for a range of needs.
Other alternatives include:
Kat Aoki is a personal finance writer at Finder who specializes in breaking down what you need to know before taking out a loan — from the best mortgage providers by state to how to get the lowest rate on a debt consolidation loan. And she’s no stranger to personal finance. Since 2011, she’s written hundreds of thoughtful, informative articles to help consumers make better decisions on their home loans, credit cards, insurance policies and more. Kat is also well-versed in working with leading brands in the real estate, mortgage and personal finance industries, including Amex, Citibank, GE Money and RealEstate.com.au, among others. She holds a BS in Business Administration and Marketing from California State University and enjoys travel and hiking in her spare time.
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Hello, I would like to know how can I find out before applying what is the maximum amount loan that I can possibly qualify for ?
Hi Rosa,
Thanks for your comment. When you choose a lender for your personal loan, it typically shows the maximum amount a person can apply for. Given this, you can apply for any amount not exceeding their max loan amount and they will approve a loan amount based on your qualifications and income. Take note though that applying for a loan that has a very high limit might have a negative impact on your report.
As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki