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Simple. Fast.
Personal Loans.

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Why Rocket Loans?

Completely Online
Completely Online

Simple and secure online process

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Rocket Fast

Now offering Same Day Funding!

Instant Offers
Instant Offers

Pre-approved offers within seconds

No Hidden Fees
No Hidden Fees

No pre-payment penalties

How You Can Use Your Loan

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About Our Personal Loans

Personal loan

What is a Personal Loan?

A personal loan is an unsecured installment loan with a fixed interest rate that is repaid in equal monthly payments. You may be able to receive up to $45,000 by the next business day to take control of your financial goals - whether that's consolidating debt, making home improvements, or making a major purchase.

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Benefits of Rocket Loans

Our Rocket Loans process is simple, convenient, and completely online to get you the money you need as quickly and efficiently as possible. A personal loan allows you to simplify your finances with a single, fixed monthly payment. There are no pre-payment penalties or hidden fees.

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What Should I Know?

Rocket Loans platform works by sharing data electronically, so we'll need you to:

  • Verify your identity electronically
  • Verify your income electronically
  • Log into and validate your bank account electronically

If I Get a $10,000 Loan...

A finance charge is the total cost of the loan, including all interest and fees incurred at the time of origination (i.e. fees that are financed). See below for an example:

Rocket Loans Personal Loan

Loan Amount

$10,000.00

Monthly Payment

217.42

Interest Rate

11.00%

APR

13.26%

Time to Pay Off

5 years

Finance Charge

$3,545.45

-$2,048.78

Less in interest

High-Interest Credit Cards

Loan Amount

$10,000.00

Monthly Payment

217.42

Interest Rate

12.99%

APR

16.00%

Time to Pay Off

6 years

Finance Charge

$5,594.23

+$2,048.78

More in interest

Rocket Loans Personal Loan

Loan Amount

$10,000.00

Monthly Payment

217.42

Interest Rate

11.00%

APR

13.26%

Time to Pay Off

5 years

Finance Charge

$3,545.45

-$2,048.78

Less in interest

High-Interest Credit Cards

Loan Amount

$10,000.00

Monthly Payment

217.42

Interest Rate

12.99%

APR

16.00%

Time to Pay Off

6 years

Finance Charge

$5,594.23

+$2,048.78

More in interest

Credit card example above assumes a $10,000 balance making a monthly payment of $217.42 at 16.00% APR as calculated using the CreditCards.com Minimum Payment Calculator versus a Rocket Loans Personal Loan of $10,000 including interest and a 5% origination fee and making a monthly payment of $217.42 based on an interest rate and APR with an autopay discount. Actual savings may vary based on the actual APR of existing credit cards and the APR of a personal loan you may obtain through Rocket Loans.

Overview of a $10,000 Loan

Origination Fee (2.99%)* Net Funds Deposited Into Your Account Term Monthly Annual Percentage Rate (APR) Interest Rate Total Interest Total Finance Charge
$299
$9,701
60 Months
$214.94
11.86%
10.5%
$3,204.03
$3,503.03
Origination Fee (2.99%)*
$299
Net Funds Deposited Into Your Account
$9,701
Term
60 Months
Monthly
$214.94
Annual Percentage Rate (APR)
11.86%
Interest Rate
10.5%
Total Interest
$3,204.03
Total Finance Charge
$3,503.03

The interest represented assumes full payments each month for the entire term of the loan using autopay repayment. Rocket Loans personal loans never have pre-payment penalty, so the loan can be repaid at any time by making a full payment of the remaining balance and incurred interest at the time of payoff.

Qualified clients using Rocket Loans will see loan options for 36 or 60 month term, and APR ranges from a minimum of 7.161% (rate with autopay discount) to a maximum of 29.99% (rate without autopay discount).

*An origination fee of 1% - 6% is charged to each loan. The fee will be deducted from the balance of the loan before the funds are disbursed to the client.

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