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Revolut personal loans review: A quick-turnaround personal loan for Revolut customers.

Revolut offers no origination fee personal loans up to $30,000 for qualifying customers. Here’s a breakdown of how they work.

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Our verdict

Revolut is a digital-only banking app based on a prepaid Mastercard that allows you to spend money, track expenses and convert currency from your mobile device. While based in the UK, US customers can also use Revolut as well as apply for no origination fee personal loans between $2,000 and $30,000. To get a Revolut personal loan, you'll need to be an active Revolut customer for at least 30 days and use the mobile app to apply.

Best for: Revolut customers with good credit who can't get a lower rate elsewhere.

  • No origination or late fees
  • Rates capped at 23.2% APR
  • Loans can be requested in-app
  • Funding takes place in minutes
  • No prepayment penalty
  • Autopay not required
  • Need just a minimum credit score of 600 to qualify
  • Rates start at a relatively high 11.4% APR
  • Late payments result in additional interest
  • Minimum and/or maximum loan amounts may vary by state
  • Poor Better Business Bureau rating
Learn more

Max. Loan Amount



11.4% to 23.2%

Min. credit score


*Trustpilot TrustScore as of December 2022. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable.

The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debtpayment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,000; and Georgia, $3,000. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Joseph Walsh – Operations Manager, Email:, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-82-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.

What makes Revolut shine

Revolut offers quick turnaround personal loans for existing customers who’ve had a Revolut account for at least 30 days and meet its eligibility requirements – which include a minimum credit score of just 600. These loans can be requested in-app, and if approved, you could have funds in just a few minutes. And you don’t need to pay for a Revolut membership to apply for a loan.

And as a digital banking app, Revolut lets you hold, send and receive money in 28 currencies, making it ideal for travelers and people with family and friends around the globe. And compared to a service like PayPal that charges steep fees for sending payments, it’s designed to make payments across borders easier and less expensive.

Where Revolut falls short

Revolut appears to fall short in the area of customer service. While the vast majority of customers like Revolut’s app and have had no issues using it, there have been multiple complaints lodged on the Better Business Bureau (BBB) website from customers who mention a lack of support from Revolut when they ran into issues with missing funds and locked accounts.

While Revolut has responded to many of these complaints, it currently has an “F” business rating for how it’s handled these complaints.

Revolut loan details

Minimum credit score/credit range600
APR11.4% to 23.2%
Loan amounts$2,000 to $30,000
TermsUp to 60 months
Approval turnaroundNot stated
AvailabilityNot stated
FeesNo origination or late fees
Other feesN/A

How to qualify for Revolut

To qualify for a Revolut personal loan, you must meet the following requirements:

  • Be at least 18 years old (19 in Alabama)
  • Be a US resident of a state where Revolut offers personal loans
  • Have a Revolut account that’s been open for at least 30 days
  • Receive a regular income
  • Have a credit score of at least 600

How to apply

To apply for a Revolut loan, follow these steps:

  1. Open a Revolut account, if you haven’t already.
  2. Keep the account open for at least 30 days before applying for a loan.
  3. Apply for a loan within the app by going to the “Hub,” then selecting “Loans,” then selecting “Get a loan.”
  4. Fill out the application and undergo a hard credit check.
  5. Accept the loan terms and receive funding if approved.
  6. Follow your loan’s repayment plan.

How Revolut compares to other lenders

Compared to other lenders, Revolut offers a quick and easy way to apply for a loan in-app. If approved, you could have funds in just a few minutes. This is significantly faster than many online lenders that can take up to 24 hours to transfer funds into your account after approval.

However, compared to some other no origination fee lenders — like LightStream and SoFi that offer rates starting at around 8% APR — you could end up paying more for a Revolut loan. This is especially true if your score is above 740, which is considered very good credit.

As always, it’s a good idea to compare multiple lenders when choosing a personal loan to make sure you’re getting the best deal. Compare Revolut’s rates, terms and features to other popular personal loan providers.

1 - 6 of 6
Name Product Filter Values APR Min. credit score Loan amount
Best Egg personal loans
Finder Rating: 3.8 / 5: ★★★★★
Best Egg personal loans
8.99% to 35.99%
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Upstart personal loans
Finder Rating: 4.15 / 5: ★★★★★
Upstart personal loans
5.20% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Rating: 4.45 / 5: ★★★★★
SoFi personal loans
8.99% to 25.81%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
First Premier Lending
Not rated yet
First Premier Lending
5.99% to 35.99%
All credit types
$100 to $20,000
Short-Term Loans to Fit Your Needs
Smart Advances
Not rated yet
Smart Advances
5.99% to 35.99%
All credit types
$100 to $20,000
Smart Advances was designed to help you request the loan you need, for any reason.
Credible personal loans
Finder Rating: 4.3 / 5: ★★★★★
Credible personal loans
4.60% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized prequalified rates in minutes and then choose an offer from a selection of top online lenders.

Revolut reviews and complaints

BBB accredited No
BBB rating F
BBB customer reviews 1 out of 5 stars, based on 1 customer reviews
Trustpilot Score 4.3 out of 5 stars, based on 140,804 customer reviews
Customer reviews verified as of 13 September 2023

Revolut gets overwhelmingly positive reviews from around 75% of the 140,804+ customers who left a review on the Trustpilot site. This is an exceptionally high number of reviews compared to other lenders that we review on Finder. This suggests that many people like the Revolut service and have a good experience with it.

But there’s also a fair number of customers on the Trustpilot site — one in 10 — who had a poor experience with the company. Many of the complaints center around account issues and a lack of customer service, with some customers reporting frozen accounts and lost funds stemming from fraud.

Is Revolut legit?

Yes, Revolut is legit. It was founded in 2015 and is headquartered in London, England. Its prepaid Visa and Mastercard are issued by Metropolitan Commercial Bank, and its banking services are provided by Metropolitan Commercial Bank, Member FDIC. Personal loans through Revolut are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Revolut also offers business accounts and kid-centered prepaid debit cards that parents can access if they have a personal account.

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