$35,000 Personal Loans

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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:

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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:

LightStream

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

Upstart

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

Marcus

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

Prosper

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

Upgrade

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

PenFed

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

FreedomPlus

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

LendingClub

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

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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 $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.

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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:

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.
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.
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.
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.