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Transform your life with the power of a personal loan
Consolidate debt, fund home improvements, or cover unexpected expenses – all with same day funding.
Checking won’t impact your credit score
Why people love Rocket Loans℠
Fast funding, no hassle
After your loan closes, get your money deposited into your bank account as soon as today.
No hidden fees, ever
What you see is what you get – clear terms, no prepayment penalties and total transparency.
Our trusted name
Part of the Rocket Family of Companies, one of the most recognized names in homeownership and finance.
Rated 4.9/5.0
Real people.
Real success stories.
Getting my loan was simple. I finished the entire process within two hours of starting.
- bullockdetra
Rocket offered me a loyalty discount because we have our mortgage with them, and it was the lowest rate I found.
-Rik
As always, Rocket Companies are the easiest to deal with.
-Calan T.
Rocket never disappoints, whether it's loans or home mortgages.
-Kurtis
Getting my loan was simple. I finished the entire process within two hours of starting.
- bullockdetra
Rocket offered me a loyalty discount because we have our mortgage with them, and it was the lowest rate I found.
-Rik
As always, Rocket Companies are the easiest to deal with.
-Calan T.
Rocket never disappoints, whether it's loans or home mortgages.
-Kurtis
Getting my loan was simple. I finished the entire process within two hours of starting.
- bullockdetra
Rocket offered me a loyalty discount because we have our mortgage with them, and it was the lowest rate I found.
-Rik
As always, Rocket Companies are the easiest to deal with.
-Calan T.
Rocket never disappoints, whether it's loans or home mortgages.
-Kurtis
Getting my loan was simple. I finished the entire process within two hours of starting.
- bullockdetra
Rocket offered me a loyalty discount because we have our mortgage with them, and it was the lowest rate I found.
-Rik
As always, Rocket Companies are the easiest to deal with.
-Calan T.
Rocket never disappoints, whether it's loans or home mortgages.
-Kurtis
Client reviews may be edited for length and clarity.
Your personal loan can power almost anything
Ready to transform your financial future?
Join thousands of Americans who trust Rocket Loans.
Frequently asked
questions
How much can I borrow?
Will checking my rate affect my credit score?
How long does it take to receive my money?
Can I apply with a co-signer?
How are my rates and terms determined?
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% 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. To qualify for the lowest rate, you must have excellent credit, meet certain conditions, and select autopay. 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.