How to Get a $100,000 Personal Loan

Get pre-qualified for a $100k personal loan in just minutes with no impact on your credit score.

Enter $600 - $100,000
Our Lending Partner Network
$100k personal loans
Compare Best Personal Loans Up To $100k

$100,000 Personal Loans

There are a few times in life when a $100,000 personal loan can be necessary, like for paying larger renovations, debt consolidation, unexpected medical bills, etc. Since it is quite a large sum of money, many people automatically assume that they wouldn’t qualify for the amount. However, that is not the case. Many people would be able to get a $100,000 personal loan as long as they follow a few steps.

Applying for a $100k personal loan is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $5,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

Compare Your Personal Loan Options

Which lender offers $100,000 personal loans?

LightStream along with SoFi are some of the top lenders that offers loans up to $100k.

LightStream: best for borrowers seeking up to $100k & fast funding

Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.

SoFi: best for borrowers seeking up to $100k



Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 680
APR: 4.99% to 19.53%
Loan term: 2 - 7 years
Funding turnaround: 1 - 3 business days

With SoFi personal loans, borrowers can get access to up to $100,000 with APR starting as low as 4.99% with extra bonus perks ($500 for each funded loan) and fast turnaround time. 24/7 customer support available.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in less than 2 minutes and compare offers from top lenders with no impact on your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

Compare Your Personal Loan Options

Can I get a personal loan for $100,000?

Yes, you should be able to get a personal loan for $100,000. There are many ways to be approved for a loan of that size, so depending on your personal financial circumstances, the path and approach may differ.

Where can I get a $100,000 personal loan?

The three most common types of lenders are banks, credit unions, and online lenders. Depending on your income, whether or not you have a cosigner, your credit score, your existing debt, and whether or not you have an existing positive relationship with a financial institution can determine which lender is the best choice for you.

Online personal loan lenders

Online personal loan lenders are your best option if you have any doubt about whether or not you would be approved for a sizable personal loan. Many online lenders will approve you even with a lower credit score, and will give you faster accessibility to your money. If you have less than ideal credit and are in a rush, then online lenders may be the perfect fit for you.


Banks have higher requirements and expectations for those who take out personal loans with them. If you’re already banking at a certain financial institution and have done so for some time, proving that you are financially responsible, they may be more inclined to approve your loan request. However, since it is quite a large sum of money, you may have to show quite an impressive credit score, minimal debt, or have a cosigner with good credit and a good income.

Credit Union

Credit unions are notoriously difficult to join or get any financial assistance from. As they only serve those who are members, and becoming a member has its own requirements, this is only a great option for those who are existing members. Credit unions operate similarly to banks with the additional downfall that it often takes very long for a personal loan to process. This means that if you are in a rush, you want to scratch this option off your list.

How much does a $100,000 personal loan cost?

A $100,000 personal loan’s total cost varies depending on the fees, monthly payments, interest rate, and more. If you have a longer loan than usual, the interest rate adds up significantly. At very minimum expect the personal loan to exceed the actual loan amount, and use a loan calculator in order to get an estimate of how much it would cost you to take out a $100,000 personal loan.

Calculate monthly payments on a $100k loan

How much do you need to borrow?


Total Payment


Total Interest


Monthly Payment


Ready to apply for a personal loan?

Compare rates from top lenders with no impact on your credit, ever.

Find Your Personalized Rate

Compare Your Personal Loan Options

When is it a good idea to take out a $100,000 personal loan?

With any debt, it’s only good to take out a loan if you can afford to and if it doesn’t cause any stress. If you’re not sure you can make the payments or keep up with them, either consider applying for a smaller loan where you know you can make the payments, or improve your financial circumstances before applying.

It’s never worth stressing over anything, especially when it’s not explicitly necessary. While a loan may be necessary in your case, if it isn’t absolutely necessary and you know it’s going to cause more worry than relief, then reconsider if you truly want to take out a $100,000 personal loan.

What is the minimum credit score required for a $100,000 personal loan?

Depending on the lender you’re working with, a minimum credit score could range from 690 to 720. However, if you truly have a poor credit score, then the best way to apply is with a cosigner.

Can I get a $100,000 personal loan if I have good credit?

You absolutely can! Good credit will help you with almost anything in the financial world, however keep in mind that $100,000 is a large sum of money to borrow, regardless of who you are and what your credit score might be. Having good credit will offer you more options in terms of who will offer you a loan, and what the terms are.

Can I get a $100,000 personal loan if I have bad credit?

Most people think they have bad credit, but they don’t. Bad credit is under 580, as long as you have more than that you’re considered to have fair credit or better. If you have bad credit, your options will significantly decrease as you are considered high risk. Some things that can help you get approved for a $100,000 personal loan despite bad credit is if you show significant income, have a cosigner with good credit, and if you have very little debt.

What are the monthly payments on a $100,000 personal loan?

Monthly payments vary greatly depending on your personal loan conditions. Most loan terms for large personal loans like $100,000 are 12 years. Depending on your interest rate, the total monthly payment could vary though. At minimum if you are paying off your loan in 12 months, your monthly payment will be $695 without interest. Interest lies usually between 4 and 5%.

How long does it take to pay off a $100,000 personal loan?

Ultimately, it’s up to you. It depends on if you make your payments on time, whether or not you make double payments on certain months or not, etc. The more payments you make, the faster you’ll have it paid off. As this is quite a substantial loan amount and interest adds up quickly, paying off faster may save you a lot of money in the long run.

How do I qualify for a $100,000 personal loan?

In terms of having the right documents that lenders need in order to help you apply for a personal loan of $100,000, you will need:

  • Credit score
  • Proof of income
  • Proof of residency
  • Proof of employment
  • Tax statements

And if you are using a cosigner, you will need all of their documentation as well, and them to be present. Your best bet is to ask prior to the meeting, what documentation is required so you don’t waste time.

How quickly can I get a $100,000 personal loan?

How quickly you can get your personal loan depends on the lender you use. Credit unions are known to take longer, between 2 and 4 weeks to process a loan, while some online lenders may be able to get you the money within 24-48 hours. In the end it depends on the lender, as well as the risk you pose to the lender.

Will obtaining a $100,000 personal loan impact my credit score?

A $100,000 personal loan itself should not impact your credit score greatly. However, what will negatively impact your credit score is if you apply to several different lenders. This will hit your score several times and ultimately lower your credit score, which is not optimal if you already have fair or low credit.

If you don’t apply to several lenders simultaneously, then a $100,000 personal loan can actually improve your credit score. It’s considered by banks and credit institutions as diverse credit, which often boosts credit scores. Keep in mind though that it only helps if you are able to make the payments and don’t miss any!

Compare Best 100k Personal Loans for Good to Excellent Credit

What is the best way to obtain a $100,000 personal loan online?

The most important thing to do when obtaining a $100,000 personal loan online is to simply do your research. There are several websites that help you receive offers from multiple lenders by simply filling out a form that provides you with a lot of information without hitting your credit score. Other websites offer comparisons between different online lenders while listing their requirements and interest rates, as well as an approximate monthly payment.

Compare rates online to find the best deal for you

It’s crucial to compare rates in order to find the right one for you, especially since a high interest rate can add up quickly with a $100,000 personal loan. Monthly payments and interest rates can vary greatly, and nobody wants to pay more than they have to. By shopping online you will be able to make an informed and educated decision, and will find the best fit for you.

Apply for a $100,000 personal loan

Applying for a $100,000 personal loan can seem daunting and scary, especially because of its size and perhaps your need to get it quickly. It should be a fairly easy and straightforward process.

  1. Determine what your ideal payments and payment terms would be.
  2. Do your research and compare different lenders and loan offers.
  3. Find a cosigner. (if applicable)
  4. Have your financial documents ready.
  5. Choose a lender.
  6. Fill out the application, and once approved enjoy your $25,000 personal loan

Personal Loans for Every Occasion

Compare Personal Loans in Minutes

Apply online and find your best rate without affecting your credit score.