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$25,000 Personal Loans For Good & Bad Credit

Are you looking for the cheapest and fastest way to secure a $25,000 personal loan?

We have all the information you need to make an educated decision and secure the best $25,000 personal loan offers online.

Whether you have good or bad credit, you should keep reading to learn all the tips, tricks, and advice you need to get a $25,000 personal loan.

How can I get a $25K loan?

One of the best ways to get a $25,000 personal loan is through Acorn Finance. Acorn Finance partners with dozens of reliable lenders that offer competitive rates and fast funding.

You can compare loan offers and pre-qualify in minutes using Acorn Finance. In addition, your credit will not be affected by submitting an online application.

Acorn Finance can help all credit types qualify for a $25,000 personal loan.

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How To Get A $25K Loan

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How much is a monthly payment on a $25,000 personal loan?

The monthly payment for a personal loan can vary depending on your approved rate and term. If you have good to excellent credit and can qualify for entry-level rates you can have payments as low as $472 with a 5-year term. Paying more than your minimum monthly payment can be a good idea that can help you save money. Most personal loans do not have an early payoff penalty. This means if you pay the loan off faster you can save money on interest and not be charged any penalties. Paying an extra 10% to 20% per month can help you save hundreds of dollars.

Where can I get a $25,000 personal loan?

You can get a $25,000 personal loan using an online lender, bank, or credit union. If you value face to face interaction, you should use a bank or credit union. In most cases, the application, approval, and funding process takes longer with a bank or credit union. It can also be harder to qualify for a $25,000 personal loan with a bank or credit union.

What should I consider before applying for a 25K personal loan?

Before taking a $25,000 personal loan there are a few things you should consider. First of all, can you afford the monthly payment? You should estimate what your monthly payment will be after receiving your approved rate and terms. Once you have a fairly accurate estimate of monthly payment you can decide whether the personal loan can hurt or help you. Next, do you really need a personal loan? Using a personal loan for things such as home improvement or debt consolidation can be a wise investment that can improve your financial well being. It's important to make sure you are going to use the funds for a positive purpose.

What is required for a $25,000 personal loan?

If you have excellent and well-established credit some lenders may approve you without requesting any supporting documents. However, in most cases, you will need to be employed or have legitimate proof of income in order to qualify for a $25,000 personal loan. Lenders may also ask you for proof of residency, proof of employment, or other supporting documents.

How can I get a $25k personal loan fast?

The fastest way to get a $25,000 personal loan is online. Some online lenders offer same-day funding. This means that you can receive funds the same day that your loan is approved or within 24 hours. Most online lenders can offer instant approval. In some cases, you may be required to submit supporting documents. The sooner you submit the requested documents, the faster they can fund your loan. To save time shopping for the best rate and offer you should use Acorn Finance. You can submit a quick and easy application and receive multiple personalized personal loan offers within seconds. In addition, using Acorn Finance can reduce any risk associated with online lenders. Acorn Finance only partners with reliable online lenders.

Can I get a $25,000 personal loan with bad credit?

Yes, you can qualify for a $25,000 personal loan with bad credit. If you have bad credit your best chance of qualifying is most likely through an online lender. Online lenders usually have more lenient requirements than banks or credit unions. Adding a co-signer to your application can help increase your chance of approval if you have bad credit. It's important to submit accurate information during the application process. This way if the lender requests supporting documents such as proof of income, proof of residence, or proof of employment, you can prove what you submitted on your application. If you cannot prove what you submitted on your application the lender does not have to fund your loan.

How Can I Get A $25K Personal Loan Fast?

If you need a $25K personal loan fast you should consider Acorn Finance. Once you submit your application and receive personalized personal loan offers you can compare lenders. If you need the money the same day, make sure to select a lender that offers same-day funding.

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What are the best $25,000 loans in [October 2023]?

In general, there are two main categories of loans: secured and unsecured.

When we look at borrowing $25,000, requirements can become more strict, and options can become more narrow. To find the best loan, make sure you choose the right type of loan and position yourself properly. Checking your credit score before applying for offers or a loan can offer the opportunity for you to identify areas of improvement. Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. This is especially true as the loan amount increases. The larger the loan, the more the loan will likely cost. As you shop offers, be aware of the total loan cost. While the monthly payment may catch your attention, loans are not all about a monthly payment. Understanding the total cost of the loan and how it works can help you compare offers for what they are worth. It can also help motivate you to create a plan that can help you pay the loan off faster and potentially save on interest and fees.

Now let’s take a look at secured loans vs. unsecured loans:

  • Secured loans are loans that are backed by collateral. Collateral can consist of your home, vehicle, or other assets, depending on what the lender permits. Some secured loans, such as auto loans, can require collateral and a down payment. While secured loans reduce the risk for the lender, which can allow them to relax requirements in some cases, they can be more complicated and risky for the borrower. However, in some cases they are more cost-effective and can make sense. 
  • Unsecured loans are loans that are not backed by collateral. Instead, they are extended based on your creditworthiness. While secured loans also examine a borrower’s creditworthiness, they are not solely based on it. With an unsecured loan the lender assumes more risk. If the borrower defaults on the loan it can damage their credit score, but there’s no collateral to be seized. For example, if you use an unsecured loan to build a swimming pool, and default on the loan, the lender should not come possess the swimming pool. While the funds were allocated toward the swimming pool, it really has no tie to the loan. 

Ultimately, the loan that’s best will depend on what you qualify for and what’s important to you. Offers are based on your qualifications and request, so comparing personalized offers can play a pivotal role in identifying a competitive offer, based on what you actually qualify for. Shopping loan offers are more complex than comparing the price of the same blue jeans offered for sale at two different stores. There are several factors that lenders can assess when making a loan decision. All of these factors can impact the offer received. 

How do you compare $25k personal loans in [October 2023]?

The internet can make comparing offers more convenient, while expanding options. However, you will want to ensure you are sharing information and or considering legitimate lenders. Since you may not qualify for every lender you apply with, and some may have more competitive offers than others, using Acorn Finance can help you compare offers. We partner with a network of top national lenders. By submitting information on our website, we can communicate with lending partners to generate personalized offers in seconds, all with no credit score impact. 

As you compare offers, consider the following components, in addition to the monthly payment:

  • APR: APR can play a big role in the total cost of the loan. APR represents the yearly interest charge generated by the loan. In most cases, the interest fee for the year will be bundled into monthly payments, so you may not even realize you're paying it. That is, until you do the math or look at the APR. If you take out a $20,000 loan with a repayment period of five years, the APR can add up year over year. 
  • Fees: On top of APR, you may encounter fees applied to your loan. Origination fees or late payment fees are a few examples of fees. Some loans may have higher fees than others, thus impacting the total loan cost. 
  • Total loan cost: Note what the loan will cost you over the duration of the loan. If there are no prepayment penalties, you may be able to pay the loan off sooner than the repayment period to save money on the total loan costs. 

What are $25k loans?

A $25,000 loan is a loan for $25,000. While that may be straightforward, understanding loans and offers can be rather complex. Additionally, with larger loan amounts, the commitment may be longer. 

How do $25,000 personal loans work?

Personal loans are installment loans. Installment loans are usually funded as a lump sum that is to be repaid in equal monthly installments over a predetermined period with interest. 

  1. FInd a lender or network of lenders that can offer $25,000 personal loans: Lenders typically have minimum and maximum loan amounts. You will need to find a lender that can offer a personal loan in the amount of $25,000. Secondly, you will need to qualify for the loan. 
  2. Get prequalified: The first step toward getting a $25,000 loan is to get prequalified. Some lenders can extend prequalified offers without doing a hard credit pull. A prequalified offer is usually contingent upon the underwriting process, where the lender will verify the details you submitted and perform a hard credit pull. With that being said, it’s important to submit accurate information from the start to avoid speed bumps during the process. Lenders can revise their prequalified offer or take it back together if they lose confidence in the decision. 
  3. Accept the offer: Accept the offer once you’ve found the loan offer you want to pursue. You may need to submit a final application for the lender and or submit supporting documentation. When the lender has what they need, they can decide to approve or deny your loan officially. 
  4. Get approved: Once approved, it’s time to get your funds. Some lenders can deposit funds directly into your bank account in as little as 1-2 business days, although funding times can vary.

When are $25,000 loans worth it?

Before borrowing $25,000, you’ll want to make sure it’s worth it. Additionally, you will want to ensure you can keep up with the payments. Loans are designed to help people get ahead, but the cycle of debt is an easy one to get trapped in. Just because you get an offer for a $25,000 loan, does not mean it’s worth it. Before committing, weigh the pros and cons as they relate to your situation. 

List pros & cons of $25,000 personal loans:


  • Fixed monthly payments
  • Funding in as little as 1-2 business days (although funding times may vary) 
  • Funded as a lump sum 
  • Few spending restrictions
  • Marketplace of lenders to consider 


  • Interest rates and fees
  • Risk of default 
  • Credit score impact 
  • Increase in project costs 
  • Increases debt 

Why choose Acorn Finance for comparing $25k personal loans?

Partnering with a trusted platform such as Acorn Finance can alleviate some of the stress associated with taking out a loan. At Acorn Finance, we work to streamline the process of checking personal loan offers with our safe and secure platform. At Acorn Finance, you can check rates in seconds with no credit score impact. Take advantage of our convenient portal with vetted and trusted top lending partners. With well-known names, you can expedite your way to finding the right $25,000 dollar personal loan. 

Additionally, we eliminate the frustration of sifting through the internet, verifying lenders, and researching for hours. Whether you are ready to take out a loan today or just shopping around - you have everything to gain by checking offers at Acorn. 

Plus, you can sign in and return to them at a later date if the offers are still available. Our lending partners can fund loans in as little as 1-2 business days, although funding times can vary, so when you’re ready to accept an offer, they are ready to help. Upon accepting the offer, you can complete the application and approval process with the lender of your choice. 

We take the overwhelming process of shopping loan offers and bundle them up into a nutshell (no pun intended). 

Pros and cons of lenders $25k Personal Loans:

Lenders typically have minimum and maximum loan amounts, but these are not guaranteed for everyone. Applicants will need to qualify. However, if you need to borrow $25,000, you will want to at the least apply with a lender that’s a possibility with. Here are some top lenders for personal loans. 


Best for home improvement loans 

Minimum qualifications: 

  • Minimum credit score requirement of 660 or above 
  • Minimum income requirement of $50,000/year


  • No origination fees
  • Funding as soon as one business day on approved loans, although funding times can vary
  • Competitive loan offers
  • Allows co-signer
  • Large personal loans available 
  • Flexible repayment periods up to 12 years


  • Strict qualification requirements
  • No access to pre-qualify through the LightStream website (When applying directly, you can get pre-approved but not pre-qualified, therefore, you may be subject to a hard credit pull. To get pre-qualified with LightStream, check offers through Acorn Finance to see if you qualify.)
  • No direct payment to creditors for debt consolidation loans


Best for online personal loans for borrowers with next-to-perfect credit

Minimum qualifications:

  • Minimum credit score requirement of 680 or above 
  • Minimum income requirement of $50,000/year


  • Flexible loan amounts and repayment terms
  • No origination fees
  • Competitive interest rates
  • Funding as soon as one business day on approved loans, although funding times can vary
  • Allows cosigner applications
  • Unemployment protection available


  • High credit score requirement
  • Approvals may take 3 days or more

Best Egg

Best for personal loans for borrowers with fair credit 

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • No minimum income requirement 


  • Fair credit scores can qualify
  • No minimum income requirement
  • Same or next day funding available, although funding times can vary


  • Not available in some states
  • Origination fees between 0.99% and 6.99%
  • Higher APRs


Best for peer-to-peer loans

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • No minimum income requirement 


  • Low threshold for credit score
  • No minimum income requirement
  • Flexibility to change payment dates
  • Offers peer-to-peer lending


  • Long funding times
  • Origination and late fees may apply
  • No rate discount for autopay is available
  • Restrictive repayment periods
  • Funding may take about 5 business days 


Best for bad credit personal loans 

Minimum qualifications:

  • Minimum credit score requirement of 560 or above 
  • No minimum income requirement


  • Low credit score requirement
  • No early payoff penalty
  • Joint applications allowed
  • Funding as soon as one business day on approved loans, although funding times can vary


  • Origination fees between 2.9% to 8%
  • Higher APRs, especially for subprime borrowers

Axos Bank

Best for refinancing existing personal loan

Minimum qualifications:

  • Minimum credit score requirement of 700 or above 
  • Minimum income requirement $48,000/year


  • Low origination fees
  • Mobile app to manage loans
  • Fast funding times
  • Funding as soon as one business day on approved loans, although funding times can vary


  • High credit score requirement
  • Origination fee up to 2%

OneMain Financial

Best for borrowers with less-than-perfect credit who need fast funding for a personal loan

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • Minimum income requirement $7,200/year


  • Low credit score requirement
  • Offers secured loan option
  • Low income requirement
  • Flexibility to choose your payment date
  • Fast funding times


  • High interest compared to similar lenders
  • Origination fee between 1% – 10% (or flat fee up to $500 depending on state)


Best for fair credit personal loans with fast funding

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • Minimum income requirement $30,000/year


  • Low origination fees
  • Relaxed credit score and income requirements
  • Same or next-day funding is available, although funding times can vary


  • No joint applications
  • High loan costs
  • Short repayment periods 

Check rates from these top lenders and more at Acorn Finance!

Lenders outside the Acorn network to consider:

Lending USA

LendingUSA is best for one-time purchases or uses, such as cosmetic surgery financing, pet financing, funeral financing, and more. LendingUSA offers loans for a variety of industries. Loans can be obtained through the LendingUSA website or through a merchant partner that refers to LendingUSA. Additionally, if you pay your loan off within six months, no interest will be charged to the principal. With fast approval decisions and loans as small as $1,000 available, Lending USA is another lender to consider for a  personal loan. 

Reprise Financial

Reprise Financial can help borrowers find personal loan offers that meet their needs. In order to help borrowers obtain funds quickly, Reprise works to streamline the personal loan process. With customized payment options and fixed rates, check personal loan offers at Reprise Financial. 

Universal Credit

For borrowers with bad credit, Universal Credit may be your golden ticket to the funds you need. With a minimum credit score requirement of only 560, Universal Credit is a top choice for subprime borrowers. While loan costs may be higher, they usually are when it comes to borrowing money with bad credit.

What are my options for a $25,000 personal loan?

If you are looking for a $25,000 personal loan, you should explore your options. If you have excellent credit you may be able to qualify for all of the sources listed below. However, if you have bad or decent credit we recommend you use an online lender. In most cases, online lenders are the easiest to qualify for. Let's take a look at where you can get a $25,000 personal loan...

Online Lenders

Online lenders offer some of the most competitive rates and they may be the easiest to qualify for.


Banks may be the second easiest to qualify for. However, their application process can take much longer than most online lenders.

Credit Unions

While credit unions may offer great rates, they can be difficult to qualify for. Most credit unions require borrowers to have good to excellent credit. In addition, their application and approval process can take longer than banks and online lenders.

What are the pros and cons of a $25,000 personal loan?

Let’s take a look at some pros and cons of a $25,000 personal loan…


Competitive interest rates and flexible terms

Use the money for just about anything

No collateral required

Fixed monthly payments


Taking on debt

Origination fees

Interest rates may be higher than other options

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Is a $25K personal loan the right choice?

In conclusion, you should visit Acorn Finance if you are looking for a $25,000 personal loan. Their services cost you $0 and can save you tons of time while helping you get the best interest rate available. Once approved for a personal loan you can use the funds for anything you would like. Some of the most common uses are debt consolidation or home improvement. Whether you have good credit or bad credit, Acorn Finance can help you qualify for a $25,000 personal loan.

Can you get a $25,000 personal loan with bad credit?

While it may be possible to qualify for a $25,000 personal loan with bad credit, it will not come along with favorable terms. If you have bad credit your best option is to use a secured loan or rebuild your credit before taking out a loan. Whether you use a secured or unsecured loan, a good credit score can help you qualify and lock in competitive terms. Alternatively, if you have a cosigner with good credit, this can help you qualify for a $25,000 personal loan. Online lenders typically have less strict requirements than traditional banks. As a bad credit borrower, you may want to apply with an online lender first.

If you do decide to apply, be sure to submit accurate information when you apply. This is so that if the lender asks for proof of any information you put down, you can provide it. With bad credit, lenders may be more likely to ask for supporting documents such as proof of income or employment.

If you have no way to prove what you wrote down on your application, the lender is not required to fund your loan.

In some cases, you may just have to accept that you don't qualify for a personal loan. If this is the case, you may want to consider borrowing from a friend or family member, pawnshop, or auto title lender. These are various ways to borrow money without a credit check.

If you borrow from friends and family, there is no limit on how much you can borrow. It all comes down to what the friend or family member is willing to loan and what you can afford to repay. If you go this route, make sure to create a payment plan upfront. Borrowing money from friends and family members is an easy way to ruin relationships if things go south. Pawn Shops may be another option. Pawn Shops usually offer 25% – 60% of an item's value and will give you time to repay the money with interest. If you pay the money back within the allowed time, you can get your item back. The downside is that you risk losing your item and pawn shops usually charge high interest rates. Auto title lenders may be able to loan 25% to 50% of your vehicle's value for a short term. Terms are usually 2-4 weeks. If you fail to repay the loan, they can take possession of your vehicle. Similar to pawn shop loans, auto title loans can come with high interest rates too.

With an auto title lender, you can get a loan for half a month or a month of 25% – 50% of what your car is worth. If you can't pay it back you can lose your car. This also has high interest.

How do you get a $25,000 personal loan with bad credit?

Getting a $25,000 personal loan with bad credit may not be the best idea, even if you qualify. If you need a personal loan, for any amount, you should start by checking your credit score. Is it really as bad as you think? If your credit score is below 600, you should invest some time into rebuilding your credit score. If you need money ASAP, you should cut right to the chase and check personal loan offers. With a fragile credit score you will want to be careful checking offers. If a lender needs to do a hard credit pull to generate a loan offer, you should avoid applying. You will only want your credit pulled when you know you want to accept the terms. At Acorn Finance you can check personal loan offers without impacting your credit score. With a network of top national lenders, it's likely that you will be able to find a lender with competitive terms at Acorn Finance. You can also apply to lenders who specialize in giving borrowers with bad credit the loans they need. Be careful with lenders who give loans to people with bad credit though, as they often have very high interest and very high APR. Make sure you review all your lending options and shop around before choosing one. Remember that bad credit is considered to be under 580. Fair credit might give you a few more options when it comes to lending. Fair credit ranges will be 580-669. Online personal loans are one of the best ways to get loans with bad credit.

What is the minimum credit score for a $25,000 personal loan?

It is truthfully difficult to get a $25,000 personal loan with bad credit, at least one with a reasonable APR. A bad credit score is between 300 and 629. Fair is between 630 and 689. Good is between 690 and 719. Excellent is between 720 and 850.

There are a lot of different factors that a lender looks at when deciding if they are going to give you a loan. The first is usually your FICO credit score. Other lenders may develop their own scoring model based on data they collect about you.

Lenders also look at your credit history, and prefer to see a long credit history. Even if they say they only require two or three years, they probably prefer longer, especially for a $25,000 loan. If you have multiple accounts that you have successfully paid off, that is good credit history. It is also good if you have multiple credit cards, a mortgage, or an auto loan for which you have all successfully made on-time payments.

Lenders will likely also look at your debt-to-income ratio. They want to make sure you have enough income to meet the financial obligations that you already have, on top of paying off the new loan. They use your debt-to-income ratio to see if an additional loan would be too much for you to afford.

Lastly, they may look at your free cash flow. Your debt-to-income ratio doesn't cover things like your gas, groceries, or rent. Some lenders will look at your transactions to see how much money you have left after other spending. This is called your free cash flow.

What is considered bad credit when looking for a $25,000 personal loan?

So in general it's recommended that borrowers have a minimum credit score of 610 if applying for a personal loan. However, as we creep into higher loan amounts such as $25,000, the minimum credit score requirements may change. The more money a lender loans, the more risk they take. If you have a 610 credit score, this is classified as fair credit. Very poor or bad credit is usually in the 300-579 range. Regardless of the loan amount you apply for, if your score is what it is, the lender should classify it the same. The difference is that you just may not qualify for a certain loan amount. Lenders may have general minimum credit score requirements and additional requirements as they relate to loan amounts and terms. Other factors such as debt-to-income ratio and length of time since your last loan default may help lenders approve loans that don't entirely meet their requirements.

What lenders provide $25,000 personal loans for bad credit?

If you have bad credit and need to borrow money, you may start to feel desperate. While this is an understandable way to feel, be careful if you are in a desperate state. Taking a loan for an illegitimate lender or taking a loan that is going to cost you a lot of money may cause more financial problems than you already have. When you have bad credit and get the opportunity to borrow money, you want to do everything in your power to make sure the loan is repaid on-time. At some point if you repeatedly default on loans, lenders will stop giving you chances. Even though a personal loan with bad credit may be expensive when you look at total loan costs, if all goes well, a personal loan can improve your credit score. This means that next time you need to borrow money, you should be able to qualify for more competitive terms. Bad credit borrowers should consider SoFi. SoFi can offer $25,000 personal loans and is an Acorn Finance lending partner. SoFi is a top national lender that you should work with if you get the chance to. SoFi has interest rates between 5% to 20%, depending on credit score.

SoFi has a 4.5 star rating. For a loan amount of $25,000, your APR with them will be between 5% and 20% depending on your credit score. If you have a bad credit score, it will be closer to 20%. You would have to pay back around $600 for four years, or 48 months.

5K FUNDS has a 4.3 star rating. For a loan amount of $25,000, your APR would be between 6% and 36%. With a bad credit score, it will likely be in the 36% range. To pay it back in four years, or 48 months, you would pay around $600 every month.

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