$35,000 Personal Loans

Get pre-qualified for a $35k personal loan in just minutes with no impact on your credit score.

Enter $600 - $100,000
Our Lending Partner Network
Personal Loans 600 Credit Score

Can I Get a $35k Personal Loan?

If you want to consolidate debt, buy a new car, or renovate your home, you may need access to $35,000. The problem is, not many of us have $35,000 in cash sitting around, and even if you do, the idea of draining your savings account that much can seriously hurt.
So what’s the answer? A $35,000 personal loan that will allow you to spread the cost over a few years.

Applying for a $35k 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 $50,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

Compare Your Personal Loan Options

Best Personal Loans for $35,000

There are a limited number of lenders currently offering a $75,000 personal loan. If you bank with a major bank, such as the Bank of America, they may be willing to offer you a large personal loan, and banks often offer favorable terms to their customers. Otherwise, you have two key options:


  • Loans of: Up to $100,000
  • Minimum score: 660
  • Rates: 5.24-19.99%
  • Terms: 2-7 years (they also offer up to 12 years for home improvement loans)
  • Pros: No fees, fast funding
  • Cons: No cosigners allowed


  • Loans of: Up to $50,000
  • Minimum score: 580
  • Rates: 5.40-35.99%
  • Terms: 3-7 years
  • Pros: Fast funding, lower minimum credit score
  • Cons: Origination fee, unsuccessful payment fee ($15), no cosigners

Reach Financial

  • Loans of: Up to $40,000
  • Minimum score: 600
  • Rates: 5.99-35.99%
  • Terms: 2-5 years
  • Pros: Fast funding
  • Cons: High unsuccessful payment fee ($25), origination fee, no cosigners


  • Loans of: Up to $40,000
  • Minimum score: 660
  • Rates: 6.99-24.99%
  • Terms: 3-6 years
  • Pros: No fees
  • Cons: No cosigners


  • Loans of: Up to $50,000
  • Minimum score: 640
  • Rates: 6.99-35.99%
  • Terms: 2-5 years
  • Pros: Co-applicants allowed
  • Cons: High origination fee (2-5%) and other fees, takes about a week to get funds


  • Loans of: Up to $50,000
  • Minimum score: 560
  • Rates: 7.46-35.97%
  • Terms: 3-7 years
  • Pros: Fast funding
  • Cons: High origination fee (1.85-8%), potentially high rate


  • Loans of: Up to $50,000
  • Minimum score: 660
  • Rates: 7.74-17.99%
  • Terms: 3-7 years
  • Pros: Lower rates, cosigners allowed
  • Cons: High late fee ($29) and high unsuccessful payment fee ($30)

Axos Bank

  • Loans of: Up to $50,000
  • Minimum score: 700
  • Rates: 7.99-15.19%
  • Terms: 3-6 years
  • Pros: Low rates for excellent scores, fast funding
  • Cons: no cosigners, origination fee


  • Loans of: Up to $50,000
  • Minimum score: Unknown
  • Rates: 7.99-29.99%
  • Terms: 2-5 years
  • Pros: Cosigners allowed
  • Cons: High origination fee (2-5%)

Best Egg

  • Loans of: Up to $50,000
  • Minimum score: 600
  • Rates: 7.99-35.99%
  • Terms: 2-5 years
  • Pros: Funding in 1-3 days
  • Cons: No cosigners, high origination fee (0.99-8.99%), and other fees


  • Loans of: Up to $50,000
  • Minimum score: 560
  • Rates: 11.69-35.93%
  • Terms: 3-7 years
  • Pros: Fast funding, lower minimum credit score
  • Cons: High rates, high origination fee (5-8%), no cosigners

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 you get a $35,000 personal loan?

Yes, provided you’re in a position to be accepted, there are more than a handful of lenders that offer loans of up to $40,000, $50,000, or more. That gives you plenty of choices and opportunities to find the right loan for you.

What credit score do you need to get a $35,000 personal loan?

Generally speaking, you’ll need a credit score of at least 600 to get a $35,000 personal loan, with the majority of lenders looking for scores over 660. You’ll be able to see minimum credit score requirements in the “Best $35,000 Personal Loans” section below, so make sure you check each lender carefully if your score is less than 700.

What income do you need to get a $35,000 personal loan?

Each lender calculates minimum income differently, and they don’t often share this information with prospective borrowers, likely because everyone’s circumstances are different. For example, if you make $55,000 a year but live mortgage free in a low-cost area, they may consider you, but generally you should make around $75,000 a year or more to more easily qualify for a $35,000 loan.

How much will the monthly payments cost for a $35,000 personal loan?

The cost of the monthly payments on your $35,000 personal loan will depend on:

  • How long the loan is for (called the “term”)
  • Your interest rate (the APR)

The longer the term of your loan, the less the monthly payments will be, but the more the loan will cost you over time in interest. Most lenders offer a loan of $35,000 over a term of 3-7 years, with 5 years being the average.

If you have excellent credit, you may be able to qualify for a low-interest rate, in which case your monthly payments will likely be around $650 a month. If you have good credit, you’ll be paying more in interest, so you can expect to pay closer to $800 a month.

Can I get a $35,000 personal loan with bad credit?

If your credit is less than ideal, you may struggle to get a $35,000 personal loan. Ideally, you should try to have a score of 620 or more, and you may need a cosigner if you have some bad history to overcome.

Compare Your Personal Loan Options

Can I spread a $35,000 loan over 10 years?

Most lenders do not allow you to spread a loan over 10 years (though many secured loans will), but most lenders will allow you to spread it over 5-7 years. Remember that, while a long repayment period will lower the cost of your monthly payments, it will also make the loan far more expensive, so often paying it off faster is in your best interest.

How do I apply for a $35,000 personal loan?

Applying for a personal loan has never been easier, and the process for borrowing $35,000 is no different from if you were borrowing $5,000, even if it feels more serious to you. Here are the steps you need to follow:

  1. Determine how long you want your loan to last: if you’re borrowing $35,000, you’ll likely be looking to borrow over a longer period, such as 5-7 years, but if you have the ability to pay it off sooner, you can. It’s often tempting to choose the maximum term available so you can lower the monthly fee, but if you can afford to pay over a shorter term, it’s worth doing so, as you’ll save money over time.
  2. Compare the best $35,000 personal loans: Browse through the loans listed above, compare minimum scores, interest rates, and terms, and shortlist those which sound best for you. When you’ve found a few you’re interested in, click through to their site to look at their terms, and then choose the lender you want to apply to.
  3. Complete the application: Once you’ve found the right loan, all you need to do is complete your lender’s application. This usually takes 15 minutes or less and can be completed easily online. Most lenders now offer immediate approval, but some may take a day or two or need more information before confirming you can have the funds.
  4. Receive your funds: Once the lender approves you, they’ll give you a contract to sign, and then you’ll be ready to receive your funds. Some lenders can fund your account as soon as the next working day, but some take up to 7 days. Once you’ve got the funds, you can spend your loan as you please.

A $35,000 personal loan should never be taken on without some thought, but for many, a personal loan is a convenient and smart way to borrow. If you’ve decided a $35,000 personal loan is the best next step for you, browse through our best $35,000 personal loans list and apply.

Personal Loans for Every Occasion

Compare Personal Loans in Minutes

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