$75,000 Personal Loans

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Enter $600 - $100,000
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$75,000 personal loan

How to Get a $75k Personal Loan

Most personal loans on the market are available for up to $25,000 - $35,000, but if you’ve got your sights set on a bigger purchase, such as an RV, home purchase, or home renovations, you likely need more. $75,000 is a substantial amount and usually requires an asset to secure it against, but is it possible to find an unsecured personal loan for $75,000?

Applying for a $75k personal loan is fast and easy:

Fill out a simple and fast online application in just minutes

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Borrow up to $50,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

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Best Personal Loans for $75,000

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 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.

Offers Loans of $5,000 - $100,000

  • Rates: 24% - 19.99%
  • Minimum Score: 660 (note that this is for all loan amounts)
  • Terms: 2-7 years (though they offer terms up to 12 years for home improvements)
  • Pros: Same-day financing, good rates, longer terms for home improvements
  • Cons: No soft credit check before you apply, does not lend in RI and VT




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.

Offers Loans of $5,000 - $100,000

  • Rates: 99% - 23.43%
  • Minimum Score: They don’t disclose this information
  • Terms: 2-7 years
  • Pros: They offer access to unemployment protection and you can do a soft credit check to ensure it’s worth applying
  • Cons: Takes 3-5 business days to receive funds, higher rates which can make borrowing more expensive, does not lend in MS

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

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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 you get a personal loan for $75,000?

Yes, it is possible to get a personal loan for $75k, but they aren’t as readily available as loans for smaller amounts. You will find your choice of lenders is relatively small and you’ll also need to meet their high expectations to qualify for a $75,000 personal loan.

What credit score do I need to get a $75,000 personal loan?

To get an unsecured loan for as much as $75,000, you’ll need impeccable credit unless you find a lender who accepts a co-signer, and you know someone willing and able to co-sign on a $75,000 loan for you. A minimum credit score of 740 will usually be required. You’ll also need a debt-to-income ratio of 20% or less.

What income do I need to get a $75,000 personal loan?

While some lenders may accept less, you’re going to need to make at least $85,000 a year, but an income of $150,000 will put you in good standing.

Can I obtain a $75k loan for a 10-year term?

Yes. While most personal loans tend to have shorter terms of 3-7 years, large loans like this are usually for a term of 5-12 years.

What are the monthly payments for a $75,000 personal loan?

Monthly payments are calculated based on your creditworthiness, the duration of the loan, and the interest rate. You can use our loan calculator below to find out what you can expect to pay, but here’s a quick guide:

  • $75k over 5 years at 7.49% APR = $1,502 per month
  • $75k over 10 years at 7.49% APR = $900 per month

You’ll need an “excellent” credit score (720 - 850) to get an interest rate of 5-10%, and a “good” credit score (680 - 719) to get an interest rate of 10-17%.

$75,000 Personal Loan Calculator

Use our personal loan calculator below to find out how much a $75,000 loan will cost you each month:

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How do I apply for a $75,000 loan?

While you may feel like applying for a large loan like $75,000 would have a different process, lenders do not have any additional hoops for you to jump through just because you want to borrow more money than the average borrower. Here’s what you need to do:

  1. Ensure you qualify: First, make sure you’re in a position to qualify. Do you have Good or Excellent credit? If it’s not as good as it could be, do you have a co-signer? You need to make sure your debt-to-income ratio is less than 20% (so less than $20,000 if you earn $100,000), and ensure you’ve got a good income to show you can afford the loan and your living expenses.
  2. Decide how long you want to borrow for: Both options we’ve included above offer the same terms, 2-7 years, though LightStream offers longer terms if you’re using the money for home improvements. If you do plan to use the money for home renovations, consider if you’d prefer a longer term than 2-7 years.
  3. Analyze interest rates: Your next step is to consider what interest rate you’d be willing to pay. If your credit score is “Good”, you may not qualify for the most affordable rates, so be realistic about what the loan may cost and whether that’s something you’re happy to pay.
  4. Compare loans: Compare the loans available to you and consider if they have any other additional perks that make one loan more attractive to you than others.
  5. Apply: Finally, it’s time to apply. All you need to do is click through to their site and fill in their application form accurately. Most lenders now give you an automatic yes or no, but some may need some extra information from you before they’re able to confirm that they’ll lend to you.
  6. Wait for your funds: Depending on your lender, it can take up to a week for you to receive your funds, though most are much faster. Once you’ve got your loan, you’re free to spend it as necessary.

What other options are there if I need to borrow $75,000?

We know there aren’t that many lenders offering $75,000, so here are some other ways to raise the money you need:

  • Borrow $35,000 - $50,000 (the limit of most lenders) and dip into your savings
  • If in the position to do so and you’re applying on the behalf of a family purchase, you and your partner could each borrow $35,000 (see our personal loans for plenty of options) to borrow $70,000
  • Borrow using a secured loan - if you have a house or another valuable asset you can get a secured loan using it as collateral to get the funding you need. It is much easier to get secured loans for larger amounts

Borrowing $75,000 can be a challenge, but the two lenders we’ve listed above are great options and offer you fast funding.

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