Personal Loans Online up to $10,000
Looking for small personal loans online? Apply on our website for a personal loan of up to $10,000, repaid in fixed monthly payments. We use a soft inquiry for the decision, so applying does not hit your credit score.
Personal Loans Online, One Fixed Payment
Personal loans up to $10,000 with one fixed monthly payment. Applying uses a soft check and money arrives the next day after approval.
Read the video transcript
Three plans. One fixed payment. New start. New costs. A personal loan can cover it, online. Up to $10,000, in one loan. Apply online. Pick your amount. Then one fixed payment, every month. Applying won't touch your credit score. If you're approved, the money arrives the next day. Clear terms, since 1999. Cash Solutions. Personal loans, made clear.
How a personal loan from us works
A personal loan is a lump sum you repay in fixed monthly payments, so you know each payment and the payoff date from the start.
- Tell us what you needEnter the amount, your income and the checking account that receives your pay.
- Soft check and decisionWe review your application without a hard inquiry, so your score stays where it is.
- Read your termsYour agreement shows the rate, the monthly payment and the total cost. Nothing is final until you sign.
- Money to your accountAfter approval, the money reaches your checking account the next day, and you start your monthly payments.
Personal loan calculator: see how the rate changes your payment
Our example rate is 36% APR. Slide the rate down to see what a lower rate would save you on the same loan.
At 36% APR, this is our example rate.
- Our example rate is 36% APR. Your rate depends on your state and your application, and your exact terms are shown before you sign. Lower rates on the slider are for comparison only.
Cost examples at 36% APR
Three common sizes, each repaid over the term shown. A longer term lowers the payment and raises the interest.
| Amount | Term | Monthly payment | Total interest |
|---|---|---|---|
| $1,000 | 12 months | $100.46 | $205.55 |
| $5,000 | 36 months | $229.02 | $3,244.68 |
| $10,000 | 60 months | $361.33 | $11,679.78 |
- Examples, not an offer. If you want the same payment schedule for smaller sums, see our installment loans.
What people use a small personal loan for
- Repairs. A broken water heater, a roof leak or a car repair that cannot wait for the next paycheck.
- Medical bills. A dental visit, a prescription or an unexpected deductible.
- Moving. A deposit, a truck rental or the first month at a new address.
- Bills that piled up. Spreading a one-time cost over months instead of paying it in a single week.
Why a fixed schedule helps
With equal monthly payments you can plan around one number. There is no balloon payment at the end, and the schedule tells you the day the loan is paid off.
Borrow only what the expense needs. A smaller loan costs less in interest.
Who qualifies for a personal loan
- At least 19 years old
- Current employment for at least 6 months — current working income (SSI, disability and retirement income are not accepted)
- An open and active checking account for at least 3 months
- A valid Nebraska state-issued ID (driver’s license)
- Your most recent paystub, your last 30 days of banking history and valid checks (no starter checks)
Approval is not guaranteed and depends on income and verification. We consider applicants with bad or fair credit, and the decision depends mainly on income and the checking account. For more on that, see personal loans for bad credit.
Cosigners
We do not advertise cosigner options. If you would like to apply with a cosigner, ask us before you start and we will tell you what is possible.
Personal loan vs payday loan vs credit card
| Personal loan | Payday loan | Credit card | |
|---|---|---|---|
| Suits | A larger one-time cost you can repay over months | A small gap until your next paycheck | Everyday purchases you can pay off quickly |
| Size | Up to $10,000 with us | Up to $425 with us | Your credit limit |
| Payment pattern | Fixed monthly payments | One payment, usually on payday | Minimum payment, rest carries over |
| Cost shape | Interest on the declining balance | A flat fee per $100, so a high APR | Variable interest on what you carry |
- For a short-term need, compare with other ways to borrow money before you decide.
How to apply for a personal loan
Apply on our website from a phone or a computer. Have your ID, your income details and your checking account information ready. The soft check does not change your credit score, and you can look at your terms before you agree to anything.
After approval, the money reaches your checking account the next day; your bank decides what time it shows up.
Frequently asked questions
Who offers personal loans?
Banks, credit unions and online lenders all offer them. Credit unions often have the lowest rates for members. We offer personal loans online for amounts up to $10,000, with a soft check instead of a hard inquiry.
How do personal loans work?
You receive a lump sum and repay it in fixed monthly payments that include interest. The rate and terms are set when you sign.
Can you have two personal loans at the same time?
Yes, it is possible to have more than one, but a new lender will look at your income and what you already owe. Two payments are harder to manage than one, so check that both fit your monthly budget first.
Can I get a personal loan with a cosigner?
We do not advertise cosigner options. Contact us before you apply if you want to ask whether one is possible.
How fast can I get the money?
After approval, the money is sent to your checking account the next day. What time you see it depends on your bank.
Related: Personal loans for bad credit · Installment loans · Borrow money
Check your eligibility today
Apply online in minutes. The decision uses a soft inquiry, and you see your terms before you sign.