$35,000 Personal Loans

Get pre-qualified for a $35k personal loan in just minutes. Checking rates won’t affect your credit score

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How to Get a $35k 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

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Borrow up to $35,000

Checking rates won’t affect your credit score

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Get pre-qualified in just minutes and compare offers from top lenders. Checking rates won’t affect 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.

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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 $35,000, or more. Many lenders offer personal loans for this amount, and it can be a good option for financing various expenses, such as debt consolidation, home improvement projects, or large purchases. These loans are also useful for emergency expenses.

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.

What are the monthly payments on a $35,000 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.

Use our calculator below to calculate your payments:

How much do you need to borrow?


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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.

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Compare loan options for good and excellent credit:

Browse personal loans by amount:

Additional resources

Federal Trade Commission (FTC): The FTC is a U.S. government agency that focuses on consumer protection. They provide guidance on various financial topics, including personal loans. You can find information on understanding personal loans and tips for borrowing wisely on their website.

U.S. Small Business Administration (SBA): Although primarily focused on assisting small businesses, the SBA offers resources and information on personal loans for business purposes. It can be helpful for entrepreneurs seeking loans to fund their ventures.

Consumer Financial Protection Bureau (CFPB): The CFPB is another U.S. government agency that provides consumer financial information and resources. They cover various aspects of personal loans, including understanding loan terms, comparing offers, and avoiding scams.

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.

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Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.