Editor's choice: Fiona personal loans
- Large network of lenders
- APR starting at 4.99%
- Loans up to $100,000
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Find a provider that offers low rates or can get your funds in as little as a few days with minimal paperwork.
We reviewed over 120 personal loan providers before selecting this list of lenders. We considered factors like the rates, terms and requirements, as well as perks for a high-dollar borrower.
|Provider||Best for…||Finder rating||What sets it apart||APR|
|LightStream||Low rates||★★★★★||Already-low rates, plus program that can beat competitor offers by 0.1% if it meets certain terms and conditions.||Varies|
|SoFi||Young professionals||★★★★★||Low rates, no fees and extra perks like career coaching and financial advice||5.99% to 18.28%|
|Credible||Low monthly repayments||★★★★★||Terms as long as 84 months and a best rate guarantee that offers $200 to borrowers who find a better deal elsewhere — as long as it meets certain terms and conditions.||4.99% to 35.99%|
|Monevo||Comparing rates||★★★★★||Low starting rates and a turnaround as fast as the next business day.||3.49% to 35.99%|
You can find a $75,000 personal loan with some online lenders and regional banks. But you might not have that many options, as many lenders don’t offer personal loans this large.
You’ll have a particularly hard time finding a $75,000 personal loan at a credit union — and several large banks don’t offer personal loans at all.
Select your credit score and your state to compare $75,000 loans available to you. Click Check my rate to start on the application or View details for more information.
Keep in mind that you’ll likely need to meet stricter criteria for this loan amount than the requirements advertised.
It depends on your lender, but you generally need to have a strong credit history and show you can afford repayments on a $75,000 personal loan. You might have better luck applying if you:
Lenders also consider factors like your work history, level of education and the length of your credit history.
The cost of your $75,000 loan will depend on the loan term and APR you qualify for. The longer the loan term and lower the APR, the less it’ll cost per month. A shorter loan term gives you higher monthly payments, but will reduce the overall cost of your loan.
Let’s take a look at some examples. Say you took out a $75,000 loan at the typically lowest and highest rates that lenders offer: 3.99% to 35.99% APR. Here’s how much you could expect to pay per month and in total for different loan terms.
|Loan term||Monthly repayment with 3.99% APR||Total cost with 3.99% APR||Monthly repayment with 35.99% APR||Total cost with 35.99% APR|
As this table shows, you need to be able to afford monthly repayments of at least $1,000 to afford a $75,000 personal loan — likely more. If you can only qualify for the highest rate and lowest term, you could end up paying nearly twice as much in interest as the loan itself.
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.
The application process for a personal loan can vary from lender to lender. But following these steps can help you get a loan of this size. Keep in mind that even with perfect credit, you aren’t guaranteed approval.
Since $75,000 is on the high end for a personal loan, the process might take slightly longer and require more documents than loans of a smaller amount. Online lenders can typically get you funds within a few business days once you’re approved, while banks and credit unions often take longer.
A $75,000 loan can easily cost you five figures in interest and large monthly repayments. Consider signing up with a lender that doesn’t charge a penalty for paying off your loan early so you can get out of debt faster with one of these tips:
You can. In fact, $75,000 mortgages are more common than $75,000 personal loans. Since they typically come with longer repayment terms, your monthly cost might be more affordable if you’re using the loan to purchase a home. Plus, mortgages are secured loans so you might be able to qualify for a more competitive rate.
You can learn all about your options by checking out our guide to mortgages.
A $75,000 personal loan isn’t as easy to qualify for as other amounts — you need a strong credit score and high enough income to afford repayments of over $1,000 a month. And watch out for long loan terms — it can more than triple the cost of your loan.
Want to learn more about how it all works? Read our guide to personal loans to compare more lenders and explore other options.
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This lender is transparent about fees — but still a risky choice.
A lack of transparency and customer reviews means you may want to look elsewhere.
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