Cheapest $25,000 Personal Loans For Good & Bad Credit

A personal loan of up to $25,000 can be used to finance emergency expenses, vehicle down payments, major home repairs, medical expenses or consolidate debt. Because this is a mid-sized personal loan, it’s easier for borrowers who fall short of having excellent credit to qualify than with a larger loan.

What credit score do you need for a $25,000 personal loan?

To ensure approval for a loan of up to $25,000 with a low and affordable rate, and flexible repayment terms, borrowers should have a credit score of at least 620. Having a credit score of 680 is even better, however, and will give borrowers access to some of the lowest rates that lenders offer. Even if your credit score does not fall into this range, however, you still may be able to find a personal loan of up to $25,000 that is affordable and quick to fund.

How much would a monthly payment be on a $25,000 loan?

$25,000 loans often come with repayment terms ranging between one and five years, and APRs ranging between 5.99% and 35.99%. The minimum monthly payment is dependent on both the APR and repayment terms. For example, if you take out a $25,000 loan with a 12.4% APR and a two-year repayment term, your minimum monthly payment will be $1,181.51.

Why a personal loan is a better choice over other loan options

A personal loan can provide you with almost-immediate access to cash, and give you access to one lump sum that’s issued at a single time. This is ideal for borrowers who have tight budgets, because it means that you’ll be repaying the same amount of money each month and can plan ahead of time. Repaying a personal loan in a timely manner can also help boost your credit score and give you access to larger amounts with lower rates.

Best personal loans for $25k and above

Now that you’re looking for a $25,000 loan, you might be wondering which lenders you can start with. Let’s take a look at some of the best lenders offering $25,000 loans:

Lending Club

Loan amounts:$1,000–$40,000
Interest rate (APR):6.95%–35.89%
Minimum credit score:660
Repayment terms:3–5 years
Origination fee:1.00%–6.00%
Cosigners Accepted:Yes
Prepayment fee:None
Late fee:The greater of $15 or 15% of the payment amount
Hard or Soft Credit Check:Soft
Time to funding:Typically within one week
Click “Check Rates” to apply to LendingClub

Best For: LendingClub’s loans are best for borrowers with average to good credit who want to have access to multiple lenders and investors with just one application. Because their personal loans have a maximum of $40,000, this service is ideal for financing home improvement projects, renovations or vehicle down payments.


  • Loans of up to $40,000
  • APRs as low as 6.95%
  • No prepayment fee
  • Monthly repayments
  • Possibility of hardship plan for borrowers who are having trouble making timely payments
  • Option to apply with a co-signer
  • Option to pay creditors directly
  • Flexible repayment terms of three to five years


  • High origination fees, with a maximum of 6%
  • Late fee of $15 or 5% of the loan amount
  • Not ideal for borrowers who need immediate cash, as funding can take up to three business days


APR range:6.95%—35.97%
Available loan terms:36-60 months
Loan amounts:$2,000—$40,000
Time to fund:One day
Origination fee:2.41%–5%
Credit needed:620+
Income needed:Varies
Soft Credit Check?Yes
Best for:Those with a steady income
Click “Check Rates” to apply to Prosper

Best For: Prosper’s loans are often used to finance medical expenses or weddings, according to the lender. However, they can also be used for a wide range of purposes including financing major purchases or consolidating debts.


  • Personal loans of up to $40,000
  • APR as low as 6.95%
  • Funding in as little as one business day
  • Easy, online application


  • APR as high as 35.99%
  • Origination fee as high as 5%
  • Difficult for borrowers with less-than-stellar credit to qualify, with a minimum credit score requirement of 640
  • Difficult for new borrowers to qualify
  • Late fee of $15 or 5% of the unpaid amount (whichever is greater)


APR Range:5.99% — 16.49% (With AutoPay)
Loan Terms:2 to 7 years
Loan Amount:$5,000—$100,000
Time to Funding:Typically 7 days
Credit Score:680+
SoFi:Read Our Review
Click “Check Rates” to apply to SoFi

Best For: SoFi’s loans are ideal for high-credit borrowers who are looking to finance medium and large-sized personal projects. In addition to financing direct expenses such as renovations and medical expenses, SoFi can also provide student loan refinancing and mortgages.  


  • Loans of up to $100,000
  • APR as low as 5.99%
  • No origination fees, late fees or overdraft fees
  • Flexible repayment terms ranging between two and seven years
  • Autopay option


  • Not ideal for borrowers who need immediate access to cash, as loans take up to three days to fund
  • Difficult for average-credit borrowers to qualify, with a minimum credit score requirement of 680


APR range5.99% – 35.89%
Available loan terms36 – 60 months
Loan amounts$1,000 – $50,000
Time to fundOne business day
Origination fee0% – 8%
Credit needed620+
Income neededN/A
Soft Credit Check?Yes
Best forNew Borrowers, Borrowers With Thin Credit, Fair Credit
Click “Check Rates” to apply to Upstart

Best For: UpStart is best for borrowers who have low annual incomes and are looking for quick cash to fund emergency expenses, vehicle down payments or major home repairs.


  • Loans of up to $50,000
  • Possibility of no origination fee
  • Rates as low as 7.69%
  • Loans fund within as little as one business day
  • Monthly repayments
  • No prepayment fee
  • Flexible repayment terms between three and five years
  • No minimum credit history requirement
  • Low minimum income requirement of $12,000


  • Late fee of $15 or 5% of the overdue amount (whichever is greater)
  • Difficult for borrowers with average credit to qualify, with a minimum credit score requirement of 620
  • Rates as high as 35.99%
  • Origination fee as high as 8%


APR Range:4.99 — 16.99% with AutoPay
Loan Terms:2 to 7 years
Loan Amount:$5,000 — $100,000
Time to Funding:As soon as same day
Credit Score:660+
LightStream:Read Our Review
Click “Check Rates” to apply to LightStream

Best For: LightStream offers loans with long repayment terms and low annual percentage rates, making their loans ideal for borrowers with excellent credit scores who are looking to consolidate debts or finance home improvements or renovations.


  • Allows co-signers
  • APRs as low as 3.99%
  • No origination, late fee or prepayment fees
  • Maximum APR of 16.99%
  • Autopay option
  • Rate beat program


  • Difficult for borrowers with average credit to qualify, with a minimum credit score requirement of 660
  • Hard credit pull on loan applications


Whether you’re looking to finance large medical expenses, home renovations or a vehicle down payment, taking out a personal loan of $25,000 can help you meet those goals. In addition, many online lenders offer access to fast cash and very flexible repayment terms to fit the needs of your budget. Lenders like LightStream, UpStart and SoFi offer easy, online applications and short times to disbursement. No matter what your qualifications look like, make sure to compare multiple lenders and offers before making a final decision on the $25,000 personal loan that’s right for you.

The offers that appear on this site are from third party advertisers from which PrimeRates receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). PrimeRates strives to provide a wide array of offers, but our offers do not represent all financial services companies or products.

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