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APR
8.5–11.5%
Amount
$25k–$500k
Homeowner with sufficient equity
US resident (not available in NY, HI, UT)
Property appraisal required
Term: 60–360mo
APR
7.99–24.99%
Amount
$2.5k–$40k
US citizen or permanent resident
Age 18+
Valid SSN
Term: 36–84mo
APR
4.24–10.37%
Amount
$5k–$1000.0k
US citizen or permanent resident
Employed or have an offer starting within 90 days
Bachelor degree or higher from eligible school
Term: 60–240mo
APR
5.49–27.99%
Amount
$2k–$75k
APR
6.74–24.49%
Amount
$3k–$100k
US citizen or permanent resident
Age 18+
Valid SSN
Term: 12–84mo
APR
—
Amount
$2k–$250k
FICO score 660+
Business at least 1 year old
Average monthly revenue $3,000+
Term: 1–18mo
APR
5.5–7.5%
Amount
$50k–$3M
Minimum credit score 620
US property owner
Proof of income and employment
Term: 180–360mo
APR
7.74–35.49%
Amount
$5k–$100k
Minimum credit score 680
US citizen or permanent resident
Employed or have regular income
Term: 24–84mo
APR
4.49–8.89%
Amount
$5k–$300k
US citizen or permanent resident
Degree from accredited institution
Minimum annual income $36,000
Term: 60–240mo
APR
4.49–18.74%
Amount
$5k
US military member, veteran, or family
USAA membership required
Valid US SSN
Term: 12–84mo
APR
7.49–22.44%
Amount
$5k–$50k
US citizen or permanent resident
Age 18+
Valid SSN
Term: 36–84mo
APR
6.5–8.0%
Amount
$50k–$2M
US citizen or permanent resident
Valid income documentation
Property in eligible state
Term: —
APR
7.74–35.99%
Amount
$1k–$50k
Minimum credit score 580
US citizen or permanent resident
Verifiable income
Term: 24–84mo
APR
2.09–17.99%
Amount
Up to $1k
US citizen or permanent resident
Enrolled at eligible school
Creditworthy cosigner may be required
Term: 60–180mo
APR
4.14–17.99%
Amount
$500–$100k
PenFed membership (open to all)
US resident
Aged 18+
Term: 12–84mo
APR
8.74–18.0%
Amount
—
APR
5.99–7.5%
Amount
$10k–$500k
Homeowner with equity in property
Credit union membership required
Good credit history
Term: 60–240mo
APR
5.99–24.99%
Amount
$5k–$40k
SSN required
Minimum 640 credit score
Minimum $2,000 in credit card debt
Term: 24–60mo
APR
2.99–16.38%
Amount
$1k–$200k
US citizen or permanent resident (international students may apply with eligible cosigner)
Age 18+
Valid SSN
Term: 60–180mo
APR
3.99–24.99%
Amount
$8k–$100k
Figure HELOC offers flexible loan amounts and terms, but watch out for the high APR range. Is it the right choice for you?
Explore top personal loan options for April 2026, tailored to fit your needs, whether you're looking for low rates, fast approval, or bad credit solutions.
