How to Get a $25,000 Personal Loan

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$25,000 Personal Loan
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$25,000 Personal Loans

You have a renovation project going on at home and simply don’t have $25,000 in liquid cash lying around. Or maybe you have horrendous medical bills that have to be paid sooner rather than later. Perhaps it’s time to get a $25,000 personal loan! Whether or not you have a good understanding of what all is required to obtain a $25,000 personal loan, you certainly will know everything you need to know after reading this article. The loan process isn’t as complicated and overwhelming as it may initially seem, so lean back and relax!

Applying for a $25k personal loan is fast and easy:

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

Absolutely no negative impact on your credit score, ever.

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Which lenders offer $25,000 loans?

Below are top lenders where you can find $25k loans. Compare multiple offers to find your best rate.

Lightstream Personal Loans

LightStream

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

LightStream offers up to $100K on personal loans as soon as same business day (the most out of most lenders!)
Avant

Avant

Funding: Borrow $2,000 - $35,000
Minimum Credit Score: 550
APR: 9.95% - 35.99% APR
Funding turnaround: Within 24 hours

Avant offers super fast funding and is a great personal loan option for individuals with fair to good credit scores.
Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 600
APR: 4.99% - 35.99%
Funding turnaround: 1-3 business days

Borrowers with fair to good credit can obtain personal loans at competitive APR rates with Best Egg.
Discover Personal Loans Review

Discover

Funding: Borrow $2,500 - $35,000
Minimum Credit Score: 660
APR: 5.99% - 24.99%
Funding turnaround: within 24 hours

Borrowers can get funded as fast as next business day with Discover personal loans.
Axos Bank Loan Review

AXOS Bank

Funding: Borrow $10,000 - $50,000
Minimum Credit Score: 700
APR: 6.79% - 17.99%
Funding turnaround: within 24 hours

Individuals with good to excellent credit can get funds as fast as next business day with AXOS Bank personal loans.

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

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Can I get a personal loan for $25,000?

Most people are able to get a $25,000 personal loan as long as they aren’t currently unemployed. There are many different lending options available, and it is likely that there will be one for you.

Where to get a $25,000 personal loan

You can get a $25,000 personal loan from a bank, credit union, or online personal loan lender. These are the three most common lenders and are easy to use. Some may be a better fit for you than others. Keep on reading to see what lender may be the best option for you and your financial situation.

Online Personal Loan Lenders

Online personal loan lenders offer the most competitive rates and are often able to work with a variety of different credit scores. Many will even work with you if you have bad credit, so don’t be discouraged by your credit score. If you need money quickly, an online lender may be the way to go.

Traditional Banks

Traditional banks are likely to offer you a good rate and a personal loan if you already bank with them. Consider checking out your bank’s personal loan offers where you have your checking or savings account. As long as you can prove a history of responsible spending and financial management, your bank is likely to approve your personal loan request. However, the application process can be lengthier than that of an online lender.

Credit Unions

Credit unions are a good option if you are a member of one. If you have an account with a credit union, they are more likely to offer and approve your request for a $25,000 personal loan. However, these too take much longer to process and requirements can be quite challenging to fit. Many credit unions require borrowers to have high credit scores, which may or may not apply to you.

How much does a $25,000 loan cost?

The total cost of a $25,000 loan depends on these factors:

  • Interest rate
  • If your loan includes any additional fees
  • Payment terms
  • If you pay the minimum monthly payment, or if you pay off extra every month.

Depending on these, your total cost may be much higher than the $25,000, or if you have a competitive interest rate, and pay off quickly by doubling up on monthly payments, then your total cost may be much lower than if you didn’t. This is why it is so crucial to shop around, to ensure that your total cost isn’t higher than it needs to be.

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When is a good idea to take out a $25,000 personal loan?

It’s only a good idea to take out a $25,000 personal loan if you truly can afford to. If you are even slightly hesitant on whether or not you can make the monthly payments, then it most likely isn’t the best idea to take out a loan of that size. If you however have no concerns about your ability to meet monthly payments, then it is a good idea to take out a $25,000 personal loan.

Should taking out a loan create any sort of stress or worry, then it isn’t a good idea. And if you are unable to make monthly payments, consider taking out a smaller amount.

What is the minimum credit score required for a $25,000 personal loan?

The minimum credit score required for a $25,000 personal loan is typically 580. However, if you have a bad credit score there are still ways for you to get approved for a $25,000 personal loan.

Can I get a $25,000 personal loan if I have good credit?

You absolutely can! You are much more likely to get approved for a $25,000 personal loan if you have good credit. You’re also more likely to be approved for the best most competitive rates and have more flexibility in which lender you choose and what your payment terms will be. This is the ideal circumstance when applying for a personal loan, so if you have good credit this whole application process will be easy and straightforward.

Can I get a $25,000 personal loan if I have bad credit?

If you have bad credit, you still will likely be able to get a $25,000 personal loan. You may have to go through an online lender, as these are less picky when it comes to who they lend to, or you may have to bring on a co-signer or guarantor. It also may simply be that you get a shorter payment term and therefore higher monthly payments than if you had good credit. Your interest rates may also simply be significantly higher than those for a person with good credit.

What are the monthly payments on a $25,000 personal loan?

Monthly payments will vary depending on your lender and payment terms. If you have low-interest rates and a 5-year term, monthly payments can be as low as $475. Many people take advantage of paying off more at a time so that they pay off their loans much quicker and don’t accumulate as much interest. Be sure to check out our personal loan calculator on this page.

How long does it take to pay off a $25,000 personal loan?

This is up to you! If you don’t feel comfortable paying off more than your monthly payments, then it’ll take you the full payment term to repay the $25,000 personal loan. However, if you decide to pay more than the monthly payments, this can be paid off much more quickly which can be a huge advantage to you.

How do I qualify for a $25,000 personal loan?

You will want to have the following financial documents on hand:

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

Some lenders may ask for additional documents, so make sure you ask so you’re fully prepared.

How quickly can I get a $25,000 personal loan?

Your lender will determine the speed at which you get your $25,000 personal loan. If you’re not under time pressure and you’re using a bank or credit union, it may take one or several weeks to get approved. If you use an online lender, then you may be able to get your $25,000 personal loan approved and the funds in your account within 24 hours.

Will obtaining a $25k personal loan impact my credit score?

What will negatively impact your credit score is if you apply to several different lenders. This will hit your score several times. However, if you don’t do that, then a $25,000 personal loan can actually improve your credit score. It’s considered by banks and credit institutions as diverse credit, which often boosts credit scores.

What is the best way to obtain a $25,000 personal loan online?

The best way to obtain a $25,000 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. 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 offer that works best for you

It’s so so important to compare rates in order to find the right one for you. 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.

Guaranteed $25,000 personal loans - does that exist?

There are guaranteed $25,000 personal loan lenders. Most of them are online. These lenders frequently ask for higher monthly payments, higher interest rates, or higher credit scores in order to qualify. This may be a good option for you if you need the money right away and if the approval process is too big of a stressor for you.

Apply for a $25,000 personal loan

Applying for a $25,000 personal loan should never be burdensome or stressful. 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. Have your financial documents ready.
  4. Choose a lender.
  5. Fill out the application, and once approved enjoy your $25,000 personal loan

We hope you felt that this article was valuable to you and helped you gain more insight into the application process.

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