Splash's Personal Loan Rates
We offer a variety of rates from lenders across the country.
Fixed
Personal Loans Or Credit Cards
Which is right for you?
Personal loans
Credit cards
Know exactly when your debt will be paid off.
Revolving debt that could last a lifetime.
Get a lump sum of cash, then spend it how you need to.
Limited to credit card maximums that may not meet your immediate needs.
Consistent monthly payments that you can easily budget for.
Variable monthly payments that are difficult to budget for.
Lower interest rates (on average) that could be more favorable than credit card rewards.2
Higher interest rates (on average) that could offset rewards.2
No promotional fine print to catch you off guard.
Promotional gimmicks with lengthy terms and conditions (if you miss a payment, they go away).
Consolidate, And PUT YOUR Debt in its place.
You deserve options. (Duh.) So we built a network of lenders to shop and compare rates.
Roll all your debts into one single payment a month
Pay off your old loans with a personal one. Then make one payment, once a month.
Loans from $1K to $100K
If approved, you could get funded in as little as one business day$.
We won't sell your data
Your sensitive information stays between us.
It's literally this Easy
Check your rate
Answer some questions, then browse the offers you qualify for across our network of lenders.
Apply online
Select an offer, then apply. We’ll guide you every step of the way.
Personal Loans FAQ
Most of the time, lenders look for credit that ranges from average to excellent. Typically, this means that you should have a credit score of 660 or higher. However, if your credit score is lower than that, you still may be able to qualify for a personal loan with a higher interest rate.
The amount of time you have to pay back a loan varies from lender to lender.
If your repayment period is longer, your monthly payment could be less than if it were a shorter time period. Longer term loans may make you repay more interest over the life of the loans and may charge a higher interest rate.
Aside from having a basic checking account or savings account, you may need to supply some pay stubs, a valid ID, and the reason why you want a personal loan. From there, the lender will decide whether or not they can approve you for a loan.
Your previous loan history may not automatically disqualify you from receiving a personal loan. Many people have student loans, auto loans or home loans in conjunction with a personal loan.
Your creditworthiness is an integral part of your personal loan application. Your credit score can affect the number of offers you receive along with the term and rate.
Refinancing your loans may transfer them to a different lender and could potentially give you a lower interest rate.
The interest rate refers to the annual cost of a loan to a borrower and is expressed as a percentage. APR refers to the loan’s annual percentage rate and represents the total cost of borrowing for a year. APR includes fees and interest rate. For example, your lender may charge an origination fee for processing your personal loan application, so APR would include both the origination fee and the interest rate.
We know that there are many possible reasons why you might need a personal loan, which is why funds can be used for a variety of purposes. Our borrowers commonly seek loans to consolidate existing debt, finance major purchases, or renovate their home. Some lending partners may provide funds even to start a business.
If you’re wondering how to get low personal loan rates, you’re not alone. While each lender evaluates borrowers differently and uses its own method to determine rates, all of our lending partners offer their lowest rates to only the most qualified borrowers for the shortest loan term.
Your online application, loan terms, credit score and approval, and other factors considered by the lender determine whether you qualify for a loan as well as the interest rate presented to qualified borrowers. You can shop and compare different lender options for you through Splash Financial’s personal loan marketplace.
We conduct a soft credit pull to get you pre-qualified rates. The soft pull allows us to quickly offer you an accurate estimate of your rates, and it does not affect your credit score. Once you have submitted your application, we or our lending partners complete a hard credit inquiry to verify the identity and information of all people signing the application. This allows Splash and our lending partners to ensure that you’re receiving the best rate possible on your loan! Note: A hard credit inquiry appears on your credit report and can influence your credit scores.