$80,000 Personal Loans

Get personalized rates in 60 seconds for an $80,000 loan with no impact to your credit score
How much would you like to finance?

See $80,000 personal loan offers with no impact to your credit

Personal Loans for $80,000

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.

Acorn Finance Icon

How can I get a $80,000 personal loan?

Qualifying for an $80,000 personal loan may be easier than you think. In addition, you can pre-qualify for an $80,000 personal loan without affecting your credit at Acorn Finance. Once you are pre-qualified you can use your personalized loan details to use online payment calculators and estimate your monthly payment. Whether you have good credit or bad credit you may qualify for a personal loan up to $80,000.

How To Get a $80,000 Loan

If you want to get an $80,000 personal loan you will first need to qualify. In order to qualify, you should submit an application through Acorn Finance. Acorn Finance partners with dozens of reliable lenders, encouraging lenders to deliver the most competitive offers. You can submit one application at Acorn Finance which will not affect your credit score and receive multiple personalized personal loan offers within seconds. Borrowers can select the personal loan offer they would like to use and complete the approval process with the lender. Using Acorn Finance can also help minimize any risk involved with using online lenders. If you have excellent credit, plenty of time, and value face-to-face interaction you may want to use a bank or credit union for an $80,000 personal loan.

What are the pros and cons of $80,000 personal loans?

Let’s take a look at some pros and cons of an $80,000 personal loan…

Competitive interest rates and flexible terms
Funds can be used for just about anything
No collateral required
Fixed monthly payments

Taking on debt
Origination fees
Spending more on interest
Payment default may affect credit score

What are the monthly payments on an $80,000 personal loan?

To calculate an accurate monthly payment for an $80,000 personal loan you should know your loan amount, fees, interest rate, and term. If you want to estimate payments without affecting your credit, you can apply through Acorn Finance to prequalify. Once you pre-qualify you should have all the information you need to accurately estimate monthly payments. If you have good to excellent credit you may qualify for a low rate and long term. If you qualify for an $80,000 personal loan at 4.99% with a 12-year term you can estimate about a $740 monthly payment. If you use a lender with no early payoff penalty, you can pay your loan off early and save thousands in interest. Paying as little as 10% to 20% extra each month can help you save a lot of money.

What credit score do you need for an $80,000 personal loan?

Most lenders require a credit score of 660 or higher to qualify for an $80,000 personal loan. If you are open to borrowing less money, you may qualify for a personal loan with a 580 or higher credit score. If you are concerned about qualifying for a personal loan, you can add a cosigner to increase your chance of approval. Ideally, the cosigner should have good credit and consistent income. You may also want to consider a secured personal loan. Secured personal loans can be less risky for the lender because they require some type of collateral from the borrower.

Can I get an $80,000 personal loan with bad credit?

While it may be easier to qualify for a smaller loan amount with bad credit, you can qualify for an $80,000 personal loan with bad credit. As we mentioned in the section above there are things bad credit borrowers can do to increase the chances of approval. If you have credit challenges or less than perfect credit you may want to consider applying with a co-applicant. In addition, we highly recommend you use an online lender. Compared to banks and credit unions, online lenders usually have more lenient qualification standards. Some online lenders even specialize in helping bad credit borrowers with personal loans. Submitting multiple applications should be avoided as it can negatively impact your credit score. The best way to receive multiple personal loan offers without affecting your credit is by using Acorn Finance. Acorn Finance allows you to submit one application that does not affect your credit. Once you submit the application you should be connected to multiple lenders that can help you secure an $80,000 personal loan.

How do you qualify for an $80k personal loan?

To qualify for an $80,000 personal loan, you first need to apply. In addition, you should have a consistent income that you can prove and a decent credit score. It may be easier to qualify for a secured personal loan. However, if you use a secured personal loan you will be required to provide collateral or assets.

What should I consider before applying for an $80k personal loan?

Before applying for an $80k personal loan you should consider what you need the money for and what the monthly payment will be. Keep in mind, you will pay interest on the full loan amount. This means if you are not going to use the full amount you should request a lower loan amount. In addition, the less you borrow the lower the monthly payment should be.

How do you apply for an $80,000 personal loan?

The fastest and easiest way to apply for an $80,000 personal loan is through an online lender. Regardless of where you want to get a personal loan, you will most likely start by completing an application. If you use a bank or credit union you may have to go into a physical location to complete the application.

Can I get an $80,000 personal loan?

It is possible to get an $80,000 loan, but first you will need to qualify. Some lenders offer personal loans up to $100,000. You can discover some of these lenders through Acorn Finance’s network of top national lenders. Before you get ahead of yourself though, you should make sure you have a chance at qualifying before you actually apply. To qualify for an $80,000 loan, especially an unsecured loan, you should have excellent credit. In addition, you should have a low debt-to-income ratio and plenty of consistent income. In some cases, you may qualify for an $80,000 personal loan, but you might be stretching to cover the monthly payment. Before signing up for an $80,000 loan, you should be confident that you can cover the monthly payment. Otherwise, it may be a better option to borrow less money.

While you may have a relationship with your bank, you shouldn’t assume that they will offer you the best rate and terms. You should always compare loan offers, especially with larger amounts like $80,000. So how do you compare personal loan offers?

When you shop for lenders on the Acorn Finance platform, you instantly have access to dozens of lenders throughout the country who are all competing for your business. Consumers can check personal loan offers in 60 seconds or less with no impact to their credit score. In some cases, you can receive funds in as little as 1 day, although funding times may vary.

How much is a $80,000 home loan?

When you borrow money, you will likely end up paying more than the amount you applied for. To determine how much it will really cost you to borrow $80,000, you’ll need to know the interest rate, term, and fees associated with the loan. Once you have this information, you can use a personal loan payment calculator to estimate total loan costs. With a larger personal loan amount like $80,000, it’s likely that you will need a long term to afford the monthly payment. That’s where things can start getting expensive. A longer term, usually equals a higher total loan cost, even if the rate is lower than a short term.

As we mentioned earlier, you will need to comfortably afford the monthly payments, but if it’s possible, you should go with the shortest term and lowest interest rate possible. For example purposes, let’s say you borrow $80,000 at 9.99% for 8 years. After 96 payments, you would have paid about $36,497 just in interest charges. If you can pay an extra 10% each month, you could potentially save as much as $5,300 in interest.

What is a good interest rate on a $80,000 personal loan?

What is considered a good interest rate may depend on your evaluation as a borrower. Think about what the lender looks at. Even if you have very good credit, the lender may still identify some additional risks. For example, if you have a high debt-to-income ratio. The lender now has to consider that you owe several other debts, in addition to what they are considering loaning you. When you have more debt, it’s more likely that you may become financially overwhelmed, resulting in late payments or defaulted loans. Excellent is considered as a FICO between 720 to 850. If you fall in this category, you may be able to find $80,000 personal loans with interest rates around 9% to 13%, depending on the lender.

What can I use an $80,000 loan for?

In most cases, personal loans do not have spending restrictions. This means, you can spend the money however you need to. Be careful though, this is a lot of freedom, especially when we are talking about an $80,000 loan. In addition, the more you borrow, the more you will pay in interest and other potential fees. Keeping this in mind, you should drill down exactly how much money you need to borrow and how it will be spent. You should do this before you apply for a personal loan. Utilizing a personal loan to better your financial future can be a smart idea. So what do we mean by that? How can borrowing money enhance your financial future?

Consider using a personal loan for debt consolidation or home improvements. If you use a personal loan for debt consolidation, you may be able to pay off debts that you once thought were impossible to get rid of. In addition, you may be able to save money on interest.

If you use a personal loan for home improvements, you can increase the value of your home. While you can use a personal loan for just about anything, spend wisely and do plenty of research.

Where to get an $80,000 personal loan

First, you’ll need to find a lender that offers personal loans for $80,000. Next, you will need to see if you qualify. Most banks, credit unions, and online lenders offer personal loans. However, only a handful of them can offer loan amounts as high as $80,000. To save yourself some time, you may want to start the process online.

In some cases, you can complete the entire process from start to finish online. Shopping online for a $80,000 personal loan can be a smart idea, especially if you use a platform like Acorn Finance. Acorn Finance allows consumers to check personal loan offers from several top national lenders with no impact to their credit score.

Having that kind of access is beneficial for borrowers because it allows them to review many offers at the same time to see which loans come with the best terms, interest rates, and monthly payments for their financial situation. Acorn Finance has lending partners that can offer personal loans between $1,000 and up to $10,000, depending on credit score.

What to consider when comparing $80,000 loans

Now this is a great question, so read carefully. Comparing loan offers is critical if you want to ensure you get a fair deal. Comparing loan offers can also help you find one that is most financially suitable for you. As you compare loan offers, focus on total loan costs. While the interest rate and monthly payment are important, a low interest rate and low monthly payment does not always equal a low total loan cost. In addition, compare fees. Terms are important too but first zoom in on the elements with a dollar sign in front of them.

Alternatives to an $80,000 personal loans

An $80,000 personal loan may sound like a great idea. In some cases, it may be the best or only idea. However, borrowing $80,000 unsecured can be costly. An alternative way to borrow $80,000 is to use a secured loan or secured line of credit. You may want to consider a home equity loan or home equity line of credit (HELOC). However, you will need to own a home and have equity in it to qualify. Secured loans do require collateral. Alternatively, if you are borrowing an amount like $80,000 to purchase a car or another asset, check to see if there is a specific secured loan option for the purchase.


In conclusion, a personal loan can be a smart way to borrow $80k. While other options may cost you less money, a personal loan may be one of the easiest and fastest to qualify for. In addition, unsecured personal loans do not require any collateral or assets. This makes them less risky compared to other options. Acorn Finance offers services that cost you $0 and can save you tons of time while helping you lock in the best personal loan offer. Submitting an online application does not affect your credit score and gets you access to multiple personalized loan offers within seconds.

Pre-qualify for an $80,000 personal loan… apply online today!

#1. Complete and submit a short loan application online

#2. Receive multiple pre-qualified offers

#3. Get connected with lenders to obtain your pre-qualified loan

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

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

“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)