$5,000 Personal Loans

Get personalized rates in 60 seconds for a $5,000 personal loan with no impact to your credit score
How much would you like to finance?

Get multiple $5,000 loan offers with no impact to your credit score.

How It Works: $5,000 Personal Loans With Acorn Finance

Check Offers With No Impact To Your Credit Score

Get Financed Quickly

Easy Monthly Payments

How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive funds in as little as one business day.

How To Get A $5,000 Personal Loan

All credit types can qualify for a $5,000 personal loan. Whether you have good credit or bad credit you should apply online with Acorn Finance. Acorn Finance partners with multiple reliable lenders that can provide guaranteed personal loans up to $100,000 for all credit types. You can use a personal loan for just about anything from home improvement to debt consolidation. This makes them a very attractive option for a variety of borrowers. Keep reading to learn more about $5,000 personal loans.

What credit score do I need for a $5,000 loan?

If you have a 580 or higher credit score you may qualify for a $5,000 personal loan. If you have bad credit or a credit score below 580 you should apply for a personal loan with a cosigner. Applying with a cosigner can increase your chance of approval while helping you lock in a lower rate. If you have bad credit you may not qualify for the lowest rates but borrowing and paying off a personal loan can help improve your credit rating.

Is it difficult to get a $5,000 personal loan?

Qualifying for a $5,000 personal loan is easy with Acorn Finance. Acorn Finance offers a secure platform that allows you to submit one easy application and receive multiple personalized personal loan offers within seconds. In addition, your credit will not be affected by submitting the initial application. Using Acorn Finance allows you to enjoy a stress-free shopping and research process while ensuring you lock in the best rate.

What would the monthly payments be on a $5,000 personal loan?

In order to determine your exact monthly payment, you need to know your approved rate, loan amount, and term. Paying 20% or more than your monthly payment can help you save money and pay your loan off faster. Most personal loans have no early payoff penalty. This means that if you can pay the loan off faster, you can save on potential interest charges. Below we have calculated some estimated payment using various rates and terms…

$5,000 loan amount @ 7.00% with 3 year term = $154/month

$5,000 loan amount @ 7.00% with 2 year term = $224/month

$5,000 loan amount @ 12.00% with 3 year term = $166/month

$5,000 loan amount @12,00% with 2 year term = $235/month

Can I repay my $5,000 loan early?

In most cases, you can repay a $5,000 personal loan early. Before signing into a personal loan you should make sure there is no early payoff penalty. If there is no early payoff penalty you should not be penalized or charge extra for paying the loan off early.

How long will it take to receive the funds for my $5,000 personal loan?

Some lenders offer same-day funding meaning you can receive loan funds the same day as approval. Other lenders may take 3-10 business days to fund your loan. Most lenders can tell you how fast you can expect to receive funds. If you need funds right away make sure you find a lender that offers same-day funding.

How to get a $5,000 personal loan with bad credit?

If you have bad credit you should apply for a personal loan with Acorn Finance. Applying with multiple lenders and websites can decrease your chance of approval. Acorn Finance can help connect you with lenders that you qualify for. In addition, adding a cosigner to your application can increase your chance of approval.

How to get a $5,000 personal loan with fair credit?

If you have fair credit, getting approved for a personal loan and making on-time payments can move you toward having good credit. Whether you have bad or fair credit you should apply for a personal loan with Acorn Finance. If you have good credit you may have more options including banks, credit unions, and online lenders. In most cases, online lenders are easier to qualify with compared to banks or credit unions.

Can I get a $5,000 personal loan if I’m unemployed?

If you are unemployed or cannot prove income it may be challenging to secure a $5,000 personal loan. In some cases, lenders may not ask for proof of income. Whether they request proof of income or not usually depends on your credit history and credit score.

Acorn Finance Icon

Where can I get a personal loan for $5K?

Acorn Finance is one of the best sources for $5,000 loans. You can compare multiple loan offers within seconds of submitting an application. Using Acorn Finance can save you time, money, and hassle.

What are the pros & cons of a $5,000 personal loan?

Let’s take a look at some pros and cons of a $5,000 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

Where do I get a $5,000 loan?

If you are looking for a $5,000 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 $5,000 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.

Are You A Contractor? Stop Thinking & Start Doing with Acorn Finance.

Offer customers the ability to finance their dreams with zero dealer fees.

Is a $5k personal loan right for me?

Whether you are a consumer or a contractor, Acorn Finance can help you with financing needs. Contractors can partner with Acorn Finance to provide customers financing options. This can help them increase revenue while helping customers with an affordable payment solution.

Need a $5,000 loan fast? Apply below now!


“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Consumer Financial Partners