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The personal loan for smarter financing

Reach your next goal faster with $2,000 to $45,000 deposited as soon as today.

Check my rate

Checking won’t impact your credit score

Fast, fixed, and refreshingly simple

No hidden fees

Other lenders roll fees into a higher rate. With Rocket Loans® transparency, you know exactly what you’re paying.

No early payoff penalties

If you put extra cash toward your balance each month or pay it off early in full, you can feel good doing it.

Autopay rate discount

Take 0.3% off your rate just for choosing autopay. Saving money is one thing, saving time is even better.

Check your rate with no impact to your credit score

Check my rate

Check your rate with no impact to your credit score

Check my rate

A trusted name in finance

From owning a home with Rocket Mortgage to managing your finances with Rocket Money, our family of companies is always in your corner.

Your loan could be approved and funded as soon as today

Check your rate

View your personalized loan options without any impact to your credit score.

Choose your offer

Select a repayment term that works for you. Verify your identity and financial info to finalize your offer.

Get your money – fast

Your funds will typically arrive the same day via direct deposit if your loan is finalized by 4 pm ET.

See our process

Human customer support

Get real help from real people. Our U.S.-based team is here to answer any questions you might have along the way.

Mon – Fri: 9 am – 7 pm ET
Sat: 9 am – 6 pm ET

89% of customer support calls are answered within 30 seconds during business hours

Start now. See your rate instantly.

Start now.
See your rate instantly.

Start now. See your rate instantly.

Check my rate

We’re committed to your security

Our secure online application uses 256-bit encryption to keep your data safe while seamlessly connecting to your bank. Rocket Loans will not have access to your username or password.

Frequently asked
questions

View all FAQs

What can I pay for with a personal loan?

You can use a fixed-rate personal loan to consolidate credit card debt and other types of debt. You can also use a personal loan to pay for home improvement projects, emergency repairs, IVF or adoption, medical expenses, wedding planning, travel, and even purchasing a used vehicle – all with no down payment.

A personal loan from Rocket Loans cannot be used to pay for student loans, illegal activities, or gambling.

Recommended: The best reasons for a personal loan

Should I get a personal loan to pay off credit card debt?

Consolidating credit card debt is one of the most common reasons to take out a personal loan. By paying off high-interest credit cards with a fixed-rate personal loan, you could potentially save money on interest and simplify your finances with a single, fixed monthly payment.

A debt consolidation loan may be a good option if:

You’re making above the minimum payment on your credit cards, but it doesn’t seem to make a dent
You’re struggling to keep track of multiple payments and due dates each month
You want your interest rate to stay the same
You want a clear timeline for paying off debt

When you consolidate debt with a personal loan, it’s important to make sure your credit card bills don’t creep back up. Many Rocket Loans clients use the Rocket Money app – it has free tools and features to help monitor your balances and stay on track.

What are the requirements to qualify?

To qualify for an online personal loan from Rocket Loans, you must be at least 18 years old, a U.S. citizen or permanent U.S. resident, and live in a state where we currently operate (not available in Nevada, Iowa, West Virginia, or Maryland).

Additionally, your approval will take into account your financial profile, including your credit score, among other factors. A FICO® score of 640 or higher is strongly recommended.

How are my rates determined?

Your personal loan rates depend on your financial profile. Rocket Loans takes many factors into consideration, including:

FICO® score
Monthly income
Home ownership
Debt-to-income (DTI) ratio
Number of credit inquiries
Loan term (36 or 60 months)

What is the origination fee?

An origination fee is a one-time fee deducted from your loan when it’s funded — not paid out of pocket. It helps us deliver the kind of experience you deserve: thoughtful service, U.S.-based support, and a team of professionals who handle every detail with care.

Our average origination fee is 4.35% for clients with very good credit and may be as low as 3.23% for those borrowing $40,000 or more. The maximum origination fee is 9.99%. The exact fee is based on your financial profile and the total amount you’d like to borrow. It will be clearly disclosed before you accept your loan.

At Rocket Loans, we’re committed to transparency. We disclose all fees associated with your loan up front. When other lenders advertise personal loans with no fees, it may mean they’re replacing fees with a higher rate in order to make that money back. This means a no-fee personal loan could potentially cost you more over time compared to a loan with modest fees and a lower rate.

How will a personal loan affect my credit?

When you check your rate and find out how much you prequalify for with Rocket Loans, we’ll run a soft credit pull with no risk to your credit score.

If you decide to accept a loan offer, we’ll run a hard inquiry that can cause a small, temporary drop in your credit score (1 – 5 points).

Over time, there are many ways a personal loan can affect your credit, including positive improvement as you make on-time payments that reduce your total credit utilization.

Recommended: How does a personal loan affect my credit?

What happens if I make a late payment?

We’re humans, not loan sharks. Late payments may result in a $15 fee and could negatively impact your credit score – but we understand life happens. If you anticipate payment difficulties, please contact us before your due date so we can discuss options.

Can I apply with a co-signer?

Rocket Loans currently offers personal loans to individual applicants only. Our team is constantly working on improvements and considering new loan options for the future.

All loans are made by Cross River Bank, a New Jersey state chartered commercial bank, Member FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed. This is not a deposit product. Please refer to our disclosures and licenses page for state-required disclosures, licenses, and lending restrictions.

Qualified clients using Rocket Loans will see loan options for a 36 or 60 month term, and APR ranges from a minimum of 8.01% (rate with autopay discount) to a maximum of 29.99% (rate without autopay discount) depending upon their credit profile. An origination fee of up to 9.99% is charged for each loan. This fee is deducted from the balance before funds are disbursed to the client. For example, a 5-year $16,000 loan with a 14.55% interest rate and a 6.95% ($1,112) origination fee would have 59 scheduled monthly payments of approximately $376.83 and 1 final monthly payment of approximately $399.09 for an APR of 17.90%. Borrower must be a U.S. citizen or permanent U.S. resident at least 18 years of age. All loan applications are subject to credit review and approval and offered loan terms depend upon credit score, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate or highest loan amount. To qualify for the lowest rate, you must have excellent credit, meet certain conditions, and select autopay. To qualify for loan amounts from $45,001 to $75,000, you must be a returning Rocket Loans client in good standing or have an existing mortgage relationship in good standing with one of Rocket Loans' sister companies, Rocket Mortgage or Mr. Cooper (Mr. Cooper owned mortgages only). Rates and Terms are subject to change at any time without notice.

Ohio Residents: All loans to Ohio residents must be greater than $5,001. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Married applicants may apply for a separate account.

Same Day Funding available for clients completing the loan process and signing the Promissory Note by 4:00PM ET on a business day. Also note, the ACH credit will be submitted to your bank the same business day. This may result in same day funding, but results may vary and your bank may have rules that limit our ability to credit your account. We are not responsible for delays which may occur due to incorrect routing number, account number, or errors of your financial institution.

Please refer to our terms of use for additional terms and conditions, and to Rocket Loans' privacy notice and Cross River's privacy notice to learn more about what we do with your personal information. For California residents, please see the California financial privacy opt-out form.