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Compare trusted US lenders side by side. Borrow $500–$50,000 with competitive APRs, funded as fast as same day.
Personal loans available in your state
All lenders displayed are licensed to originate unsecured personal loans in your state. APRs, origination fees, and maximum loan amounts comply with your state consumer-credit statutes and the federal Truth in Lending Act.
Information is educational, not legal advice. Terms and eligibility vary by lender and applicant profile.
Compare Personal Loans
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1-2 DaysAbout personal loans on Kreditify
Kreditify makes it easy to shop personal loans across all 50 states. Our partner network posts real APRs, fees, and terms for amounts between $500 – $50,000, so you can weigh trade-offs before you apply. It's an especially strong fit for first-time borrowers looking for a soft-pull check.
Kreditify is a comparison marketplace rather than a lender. Listed partners make their own credit decisions, quote their own APRs, and service the loan directly — Kreditify's role is to show them side by side so you can pick the one whose criteria you already meet.
Borrowing $3,000: rates, terms and payments
A $3,000 personal loan is the most commonly requested amount in the unsecured market, which is good news for borrowers: nearly every lender covers it, including several that specialise in fair and rebuilding credit. Terms run from 12 to 60 months, and because the balance is small, the term you pick moves the monthly payment far more than a point of APR does.
Watch origination fees at this size. A 5% origination on $3,000 is $150 taken out before funding, so the amount that hits your account is $2,850 while you repay the full $3,000 — a difference that a headline rate comparison hides. Compare the APR, which includes the fee, rather than the interest rate alone.
- Typical term
- 12–60 months
- Origination fee
- 0–8% deducted before funding
- Funding speed
- Same day to 3 business days
- Credit range served
- 580+ with options for fair credit
What credit score do I need for a $3,000 loan?
Many lenders start at 580, and 640+ opens up materially better pricing. Below 580 you can still borrow $3,000, usually through a shorter-term or secured product at a higher rate.
What is the monthly payment on a $3,000 loan?
Term drives the answer: a 24-month payoff has roughly double the monthly payment of a 48-month one, but costs far less in total interest. Use the personal loan calculator to compare both before applying.
How fast can I get $3,000?
Several lenders in our network fund the same business day after approval; most others deposit within one to three business days.
How James from the US Saved Money
Before
APR
After
APR
Total savings over loan term
"I was paying almost 19% on my credit cards. Kreditify helped me consolidate everything into one low-rate loan. The process took less than a week from application to funding!"
James
the US
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