How does the application process work?

Tell us how much you need and a few quick details about yourself. It takes about 60 seconds and only a soft inquiry — no impact to your credit score. If you like what you see, you can move forward from there.

Will checking my rate affect my credit score?

No. Checking your rate uses a soft inquiry, which isn't visible to other lenders and does not affect your credit score. A hard inquiry only happens if you formally accept an offer.

What are the eligibility requirements?

You must be at least 18 years old, a U.S. resident with a valid Social Security number, have verifiable income, an active U.S. bank account, and a U.S. phone number and email address.

How quickly can I receive my funds?

After you accept an offer and final approval is complete, funds can be deposited as soon as the next business day. Exact timing depends on your bank and verification of documents.

Can I pay off my loan early?

Yes. LendWyse personal loans have no prepayment penalties — you can pay extra or pay off your balance in full at any time without an extra fee.

Personal Loans

Personal loans built around your full profile.

Check personal loan options up to $100,000 with rates starting at 5.99% APR. See real numbers before you commit.

Check my rate

SOFT INQUIRY · NO OBLIGATION · 60 SECOND FORM

Soft inquiry
Rates from 5.99% APR
No obligation

Why LendWyse

A personal loan that fits your life.

Fixed rates, fixed terms, and a clear estimated payment before you decide. Check your rate in about 60 seconds with no impact to your credit score.

Borrow what you need
Personal loans from $1,000 to $100,000 for the things life throws at you.
Know the number first
See your estimated monthly payment and APR before you commit to anything.
Move at your pace
Checking your rate is a soft inquiry and there is no obligation to accept.

The verdict

A clearer way to see your personal loan options.

Borrowers use LendWyse to check their rate, see an estimated monthly payment, and decide whether a personal loan fits their budget — no pressure, no obligation.

4.9 / 5 · Rated excellent by verified borrowers

Rates starting at5.99% APR
Loan amountsUp to $100K
Average application time58s
Funded in 2025$8.5B+

A rate preview

See what your monthly payment could look like.

Personal loan rates start at 5.99% APR. For a borrower at 5.99% over 60 months, a $25,000 loan would be about $483 a month. Your actual rate depends on your profile.

IF YOU BORROW

$25,000

ESTIMATED MONTHLY PAYMENT

$483 / mo

60 mo · 5.99% APR · representative example

Check my rate

How it works

See your rate before you commit.

01
Tell us how much you need
Enter the loan amount and a few quick details about your profile.
02
See your rate
Review your estimated APR, term, and monthly payment before you commit.
03
Choose what's right for you
If it fits, continue. If not, there is no obligation to move forward.

Check my rate

Checking your rate uses a soft inquiry. There is no obligation to accept an offer. Rates, terms, and funding timing vary by borrower profile.

Borrower scenarios

Personal loans look different for every borrower.

$18K
LOAN
AMOUNT
“The roof couldn't wait. LendWyse let me see a real monthly payment in minutes so I could budget around it before saying yes.”
MARCUS T. · AUSTIN, TX
$8K
LOAN
AMOUNT
“We were moving across the country and needed cushion. Seeing the estimated payment up front made the whole thing less stressful.”
JENNIFER R. · COLUMBUS, OH
$12K
LOAN
AMOUNT
“Transmission went out on the family car. A few minutes to check my rate and nothing touched my credit score.”
DAVID K. · SACRAMENTO, CA
$15K
LOAN
AMOUNT
“Medical bills after surgery were rough. I wanted to see a realistic monthly payment before committing to anything.”
PRIYA S. · RALEIGH, NC
$25K
LOAN
AMOUNT
“Nothing felt pushy. I checked a few amounts on my own time and went with what worked for my budget.”
ROBERT M. · MINNEAPOLIS, MN
$22K
LOAN
AMOUNT
“Wedding costs added up faster than we planned. One fixed monthly payment made it feel manageable instead of overwhelming.”
ALICIA G. · TAMPA, FL
$30K
LOAN
AMOUNT
“I was skeptical at first, but the soft inquiry let me actually see numbers before deciding anything. That made a big difference.”
THOMAS W. · DENVER, CO

SCROLL TO SEE MORE · BORROWER SCENARIOS · INDIVIDUAL RESULTS WILL VARY

Common questions

What borrowers ask first.

Tell us how much you need and a few quick details about yourself. It takes about 60 seconds and only a soft inquiry — no impact to your credit score. If you like what you see, you can move forward from there.

Your turn

See your personal loan options.

Check your rate in about 60 seconds with a soft inquiry — no obligation to accept.

Check my rate

NO CREDIT IMPACT TO CHECK YOUR RATE · 60 SECOND FORM · NO OBLIGATION