Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
Access funds for renovations, debt consolidation, or big goals with ease.
We connect you with the right loan to bring homeownership within reach.
Apply online now in just 3 minutes.
Most loans close in under a week.
Get a loan term up to 7 years.
Consolidate your credit cards into just one payment with a lower interest rate. You’ll pay it off faster and be debt-free sooner.
There’s no competition. The average credit card rate is 18.35% APR, while personal loans are nearly half that at 10.25% APR.* Boom—big savings for you.
Skip the high interest on credit cards and use your personal loan for a lower, quicker payment. You’ve got a new way to pay for major expenses.
Credible.com is licensed in all 50 states, so they can always help you find the right loan program.
Every lender is a little bit different, but users with good or excellent credit scores will have the best chance of qualifying.
You can borrow as little as $600, up to $100,000. The specific amount you qualify for will vary depending on the lender.
It's super quick. You can get your money in a matter of days. Most loans are funded in around 1-5 days.
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call 844-645-6937 for details and qualifying information.
© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | 2021 Lower Holding Co. Lower is a family of Companies. Conducts business as Lower.com, LLC in 38 States. Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts. Minnesota, Mississippi, Missouri, Montana (Lowerdotcom, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Lower, LLC provides personal loan content and comparison information for our visitors and does so in the form of free online research. Lower does not endorse any particular lender. Applicants must satisfy a lenders credit qualifying criteria when applying for a personal Loan. Lower does not approve or fund personal loans.
Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
Credible Personal Loan Best Rate Guarantee: Credible wants you to have confidence that you’re receiving access to the lowest interest rate in the market when you get a personal loan with a lender through the Credible Website. Read the full Terms and Conditions to ensure you understand and follow the requirements of this Promotion.
Credit card and personal loan rate comparisons can be found at Bankrate: https://www.bankrate.com/loans/personal-loans/average-personal-loan-rates/ and https://www.bankrate.com/finance/credit-cards/average-credit-card-apr/
More information about funding timelines for personal loans can be found here: https://www.credible.com/blog/personal-loan/time-to-fund/
