Best Loans for Moving and Relocation Expenses

Aside from financing your move, SoFi offers a wide range of career-boosting perks like networking events and financial and educational resources that can help you get your professional start in a new town. You can also qualify based on a new job offer, as long as it begins within 90 days of applying. SoFi offers loans to US citizens, permanent residents and some non-permanent residents, depending on immigration status. But, while SoFi operates in all states, personal loans are only available in certain states.

• Available in all states

• Why we like it

  Aside from financing your move, SoFi offers a wide range of career-boosting perks like networking events and financial and educational resources that can help you get your professional start in a new town. You can also qualify based on a new job offer, as long as it begins within 90 days of applying. SoFi offers loans to US citizens, permanent residents and some non-permanent residents, depending on immigration status. But, while SoFi operates in all states, personal loans are only available in certain states.

• Pros and cons

  Pros

  • Accepts job offers start date within 90 days
  • High borrowing cap of $100,000
  • Accepts some non-permanent residents

  Cons

  • Rates as high as 35.49%
  • Not available in all states
  • Loans start at a high $5,000

• More details

  Loan amount	$5,000 to $100,000
  APR	6.99% to 35.49% with autopay and member discounts (0.25% each)
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Same day (if approved and signed by 5:30 p.m. ET)
  Loan Term	2 to 7 years

• Partner terms and conditions

  Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
  
  Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.
  
  SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 07/20/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
  
  Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan
  proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
  
  Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
  
  Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
  
  Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
  
  Direct deposit. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

LightStream is a great option if you're looking to cut back on the cost of your move. It offers some of the most competitive rates out there, starting as low as 9.99% with autopay. Get a better offer from another lender, and it might beat that rate — as long as it meets certain terms and conditions. It also has an unusually high 0.5% autopay discount to help you save even more. But it only accepts borrowers with good to excellent credit and doesn't offer the option to prequalify like most lenders.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream is a great option if you're looking to cut back on the cost of your move. It offers some of the most competitive rates out there, starting as low as 9.99% with autopay. Get a better offer from another lender, and it might beat that rate — as long as it meets certain terms and conditions. It also has an unusually high 0.5% autopay discount to help you save even more. But it only accepts borrowers with good to excellent credit and doesn't offer the option to prequalify like most lenders.

• Pros and cons

  Pros

  • Might beat confirmed offers from competitors
  • High 0.5% autopay discount
  • Offers loans up to $100,000

  Cons

  • No option to get preapproved
  • No customer service phone number
  • Loans start at a high $5,000

• More details

  Loan amount	$5,000 to $100,000
  APR	Varies by loan purpose
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	Up to 20 years for home improvement; 2–7 years for most other purposes

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

While Upstart looks at your credit score, it also gives more weight to your career and level of education. This factor can help you qualify for a more competitive rate on a moving loan if you've spent more time building on your professional skills than your credit history. It's also a good option to help you build credit, as it reports to the three major credit bureaus. But rates can run as high as 35.99%, it may charge origination fees up to 12% and it only offers two loan terms.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  While Upstart looks at your credit score, it also gives more weight to your career and level of education. This factor can help you qualify for a more competitive rate on a moving loan if you've spent more time building on your professional skills than your credit history. It's also a good option to help you build credit, as it reports to the three major credit bureaus. But rates can run as high as 35.99%, it may charge origination fees up to 12% and it only offers two loan terms.

• Pros and cons

  Pros

  • Funding as soon as the next day
  • Loans start as low as $1,000
  • Helps build credit

  Cons

  • APRs as high as 35.99%
  • Origination fees up to 12%
  • Only offers 2 loan terms

• More details

  Loan amount	$1,000 to $75,000
  APR	6.30%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

This lender doesn't have any hard-and-fast credit requirements and could offer relatively competitive deals if your credit score is poor. Especially if you opt to secure your loan with collateral or add a cosigner. You can get your money as soon as the same day, though you may have to stop by a branch to sign your documents. But you can likely find a better deal if you have fair credit or higher. Rates start at a high 11.99% APR, including an origination fee of up to 10%.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  This lender doesn't have any hard-and-fast credit requirements and could offer relatively competitive deals if your credit score is poor. Especially if you opt to secure your loan with collateral or add a cosigner. You can get your money as soon as the same day, though you may have to stop by a branch to sign your documents. But you can likely find a better deal if you have fair credit or higher. Rates start at a high 11.99% APR, including an origination fee of up to 10%.

• Pros and cons

  Pros

  • No minimum credit requirements
  • Fast turnaround
  • Relatively low cost compared to installment loans

  Cons

  • High rates compared to other personal loans
  • May require a stop at a branch
  • Origination fee of 1% to 10%

• More details

  Loan amount	$1,500 to $30,000
  APR	11.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24 – 60 months

• Partner terms and conditions

  You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.  
   
  Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
   
  OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.
   
  Current OneMain Customers:  Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates.  If a customer applies for a new loan offer, a OneMain representative will discuss available options.
   
  Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral.  If you are covered by the MLA, you are not eligible for secured loans.
   
  Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
   
  Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

OppLoans doesn't offer personal loans, but it does provide installment loans that you can use for moving expenses, and it accepts borrowers with bad credit. Plus, it only requires a soft credit check, so it won't hurt your credit to apply. But its loan amounts aren't as high as some, with a maximum loan of $5,000. Also, rates start at 129%, so only choose this lender if you don't qualify for a better deal and have a plan to repay it early.

• Not available in: Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

• Why we like it

  OppLoans doesn't offer personal loans, but it does provide installment loans that you can use for moving expenses, and it accepts borrowers with bad credit. Plus, it only requires a soft credit check, so it won't hurt your credit to apply. But its loan amounts aren't as high as some, with a maximum loan of $5,000. Also, rates start at 129%, so only choose this lender if you don't qualify for a better deal and have a plan to repay it early.

• Pros and cons

  Pros

  • Accepts borrowers with bad credit
  • No hard credit check
  • No prepayment penalties

  Cons

  • Triple-digit rates
  • Low maximum loan amount
  • Requires direct deposit

• More details

  Loan amount	$500 - $5,000
  Interest rate type	Fixed
  APR	129% - 195% APR
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

• Partner terms and conditions

  The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.

In general, self-employed borrowers may have a harder time qualifying for moving loans. But Avant welcomes self-employed workers with moving or relocation loans up to $35,000. It also considers fair credit borrowers with scores as low as 550. You can prequalify with a soft credit check and receive your funds as soon as the next day. But it does charge origination fees as high as 9.99%, and rates can reach as high as 35.99% if your credit isn't great.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  In general, self-employed borrowers may have a harder time qualifying for moving loans. But Avant welcomes self-employed workers with moving or relocation loans up to $35,000. It also considers fair credit borrowers with scores as low as 550. You can prequalify with a soft credit check and receive your funds as soon as the next day. But it does charge origination fees as high as 9.99%, and rates can reach as high as 35.99% if your credit isn't great.

• Pros and cons

  Pros

  • Accepts self-employed income
  • Considers credit scores as low as 550
  • Funds as soon as the next day

  Cons

  • Origination fees up to 9.99%
  • Rates as high as 35.99%
  • Not available in all states

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

Laurel Road has a special personal loan program for medical and dental residents or fellows that can help to cover residency relocation costs. Depending on your year in training, you can borrow up to $80,000, with no origination fees or prepayment penalties. And you can partially defer payments to pay as little as $25 a month while you're enrolled in the program. The downside is that rates start higher than you'd typically find with a student loan provider.

• Available in all states

• Why we like it

  Laurel Road has a special personal loan program for medical and dental residents or fellows that can help to cover residency relocation costs. Depending on your year in training, you can borrow up to $80,000, with no origination fees or prepayment penalties. And you can partially defer payments to pay as little as $25 a month while you're enrolled in the program. The downside is that rates start higher than you'd typically find with a student loan provider.

• Pros and cons

  Pros

  • Pay as little as $25 a month
  • Loans up to $80,000
  • Accepts cosigners

  Cons

  • High starting rate of 8.99%
  • Only 2 loan terms
  • Loans start at $5,000

• More details

  Loan amount	$5,000 to $80,000
  APR	8.99% to 24.25%
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	As soon as 2 business days
  Loan Term	3, 4, 5 or 7 years