HomeBlogPersonal Loans85k Personal Loan

$85,000 Loans

Get personalized rates in 60 seconds for $85,000 personal loans with no impact to your credit score

How much would you like to finance?

See $85,000 personal loan offers with no impact to your credit score.

A woman is using the Fiona Template to control her smart home app on her phone.

$85K Personal Loans

An $85,000 loan could provide one with plenty of opportunities. In some cases, $85,000 personal loans are used to fund home improvement projects. However, personal loans can also be used to consolidate debt. If you have $85,000 student loan debt, in the form of various loans, you may be able to consolidate them into one personal loan. One benefit of doing this would be to only have one monthly payment to manage for student loans. Another potential benefit may be saving money on interest.

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 $85,000 personal loan.

Check Offers
Quick. Simple. Secure.

How To Get An $85,000 Loan

Check $85,000 Loan Offers With No Impact To Your Credit Score
A blue icon with a leaf on a monitor and a phone.


Fill out an easy online form to check for pre-qualified offers with no impact to your credit score
A mobile phone and a tablet with a list on it.

Select offer

Compare terms and payment options to select the offer that’s best for you
A mobile phone and a tablet with a building on it.

Finish application

Complete your application on your selected lender’s website
A hand holding a dollar sign.

Receive funding

After your loan is approved, your funds should arrive within 1-2 business days2

Check Offers For $85,000 Loans

Check offers
in seconds

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

Won't impact
credit scores

Checking offers will not impact your credit score

payment options

Compare rates from our network of lenders

funds quickly

Same-day and next-day available for certain offers2

How can I get an $85K personal loan?

If you want to learn more about getting a loan for $85000, then Acorn Finance is a great place to get started. At the minimum, you will quickly be able to see if your credit history and income will be suitable enough to qualify for a personal loan.
However, the monthly payment for a $85,000 personal loan may be uncomfortable. If you are hoping to stretch an $85,000 loan over 20 years, you may not want to use a personal loan. It may be near impossible to find a personal loan term longer than 12 years. If you need a longer loan term, you may need to search for a secured loan option.

How much would an $85,000 loan cost?

If considering an $85,000 loan you may be wondering two things. What does it cost on a monthly basis? What is the total loan cost including interest? The best way to get a definite answer for both of these questions is to see what rate and terms you qualify for. Or perhaps learn that you don't qualify for an $85,000 personal loan at all. In the next section we will help you estimate monthly payments and interest costs. But before we get into those details, let's talk about how you can save money on an $85,000 loan.
Paying your loan off early or paying more than the minimum payment each month can save you money on interest. Acorn Finance lending partners have no prepayment fees. This means you can pay your loan off early and save money on interest.

What would the monthly payment be on an $85,000 loan?

Monthly payments can vary depending on the terms. To estimate monthly payments you should first get prequalified. Once you are prequalified you should have an accurate idea of your interest rate and terms. Or perhaps you are exploring various interest rates and terms and how they may affect your monthly payment. Comparing offers and monthly payment can help you make better financial decisions. Below we will estimate some monthly payments. While you may use these as a rough estimate, you should use your own offers for estimation purposes. You can access personal loan payment calculators online to help you estimate monthly payments.

How much interest is paid on an $85,000 loan?

Some consumers may hone in on interest rates, which is good, but don't forget to pay attention to total loan costs. The loan term can impact the total interest paid.
For example, let's say you take a $85,000 personal loan with a 8.99% interest rate for 10 years. With a monthly payment of about $1,076, the total interest paid on the loan after 120 payments would be around $44,154.
Now let's compare this example to another example. Let's say you take a $85,000 personal loan with a 7.99% interest rate for 12 years. With a monthly payment of about $920, the total interest paid on the loan after 144 payments would be around $47,425.
While your monthly payment and interest rate are lower in the second example, the total interest paid is higher. As you compare offers you can use a personal loan calculator to help you estimate the total interest paid.

Do I need good credit for an $85K personal loan?

You will need good credit to qualify for an $85,000 personal loan. When you consider the fact that a lender is loaning out money with no collateral, you may see the risk involved for the lender. Therefore, lenders prefer borrowers with good credit. If you have bad credit, you should work on rebuilding your credit before you apply for a loan. In addition, you may need to adjust your expectations as it may be a while before you qualify for $85,000.

What do lenders look for when approving an $85K personal loan?

When you apply for a personal loan, lenders usually consider a few factors. When financial institutions loan money, they want to do everything they can to ensure they make good loans. While credit score and credit history can impact loan decisions, other factors lenders may consider include:
Your credit score
Your credit history
Your debt-to-income (DTI) ratio
Most people seeking personal loans up to 85K will have a good or excellent credit score, minimal dings onto their credit history, and more than enough monthly income to comfortably cover the monthly payments. Otherwise, they will likely have a hard time getting their loan approved.

Is a personal loan the best way to borrow $85,000?

When we start looking at personal loans for higher dollar amounts such as $85,000, there may be better options, if you can qualify. While a personal loan may take less time to secure, interest rates may be higher compared to secured loans such as home equity loans. When considering an $85,000 loan for any purpose you may want to consult a financial professional that can provide customized advice.

Where can I get approved for an $85K personal loan?

The maximum amount offered for personal loans is usually $100,000. While some lenders may offer personal loans up to $100,000, others may cap out at much smaller amounts. Therefore, your options may be limited when it comes to finding lenders that can offer $85,000 personal loans. So when it comes to getting approved for a $85K personal loan, first you have to figure out where to apply.

The thought of researching for hours trying to figure out who to apply with, may be exhausting. The good news is that Acorn Finance has lending partners that can offer personal loans up to $100,000. This means you can apply just once to check $85,000 personal loan offers.

When shopping for a personal loan, you want to compare offers but should avoid applying to several lenders if they are going to pull your credit. So imagine if you could compare several personal loan offers at once with no impact to your credit score? You can at Acorn Finance. If you are looking to get approved for a $85K personal loan you should apply at Acorn Finance and work with one of our top-rated lending partners.

How long of a loan can I get for $85,000?

When applying for an unsecured personal loan for $85,000, you will have to decide how long you will want the loan repayment period to be. Common personal loan periods are 3, 5, and 7-years, with some people taking loans out for as long as 12-years. You will have to pick a loan period that provides a comfortable enough monthly payment for you, but at the same time, balance it with how much interest you will pay throughout the loan period. The longer you choose to take a loan, the lower the monthly payments, but the higher the cost of the overall interest.

For loan amounts as high as $85,000, a personal loan is not always the best option. While you can qualify for a personal loan with no collateral, the interest rates might be higher. In addition, it may be harder to find lenders that offer personal loans up to $85,000. While some Acorn Finance lending partners can offer personal loans up to $100,000, you should always compare your options. If you need to borrow $85,000 you may want to consider a secured loan such as a home equity loan. Regardless of the type of loan you try to qualify for, lenders will likely have a strict evaluation process.

A personal loan for $85,000 is a significant amount of money, therefore lenders will likely be looking at your credit history and sources of income with some scrutiny. They may be looking for any red flags such as car repossession, bankruptcy, or missed mortgage payments. They will also make sure you have a steady flow of income and that you already do not have too many debts. Your debt to income ratio will be crucial, and it will need to be low in order to qualify for an unsecured personal loan of $85,000.

The higher your credit score and the less debt you already have, the higher your chances are to not only be approved, but to get the best interest rates as well. Even if you get the best interest rates, the amount of interest you will pay to borrow a loan as large as $85,000 will still be significant. If you are looking to borrow a significant amount of money, it will be not only difficult to qualify, but fees and interest charges can add up quickly.

How Can I Get A $85K Personal Loan Fast?

If you need a $85K 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.

Check Offers

What are my options for a $85,000 personal loan?

If you are looking for a $85,000 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 $85,000 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 $85,000 personal loan?

Let’s take a look at some pros and cons of a $85,000 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

Compare Rates From Lenders in Our Network

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

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

Get Started

$85,000 Personal Loan Calculator

Frequently Asked Questions

Read More


Is an $85,000 personal loan worth it?

Whether or not an $85,000 personal loan is worth it is really up to the borrower. If the $85,000 is going to be used to help you consolidate debt or make home improvements then it may easily be worth it. Perhaps you are going to finish your basement and rent it out. In a situation like this, an $85,000 personal loan may very well be worth it. We all have a different perceived value as to what something is worth so you'll need to run your own evaluation.

If you have credit challenges then an $85,000 personal loan may be near impossible to qualify for. If you do qualify, you can expect to pay a lot of money toward interest. If you have credit challenges and need funds for home improvements, you may want to consider using an FHA loan. Borrowers with good to excellent credit may have an easier time justifying an $85,000 personal loan.

You should always take a close look at your finances before borrowing any sum of money, however, a significant sum like $85,000 should be a decision not taken lightly. Can you afford the monthly payments? Is there even the slightest chance you could start falling behind on payments and accrue additional fees and penalties? Do you really need the money right now? These are all questions you should be asking yourself.

If you are good to go to take out an unsecured personal loan of $85,000, then it may be worth it to you to pay for some large renovations. Or maybe you want to fix up an investment property or purchase an RV to spend your retirement in. There are many good reasons to use a personal loan to acquire $85,000, you should just make sure the benefits outweigh the costs.

What can I do with an $85K personal loan?

If you are considering an $85K personal loan, it could be because you already know that most personal loans do not have spending restrictions. This means you can do just about anything with the funds. However, borrowing money without a plan can be a bad financial move. Before you take out an $85,000 personal loan you should know exactly how the money will be spent. Whether you need to make home improvements to your primary residence or an investment property, you can use a personal loan. You could rip up all the flooring and install hardwood floors and new carpeting, update the home with energy-efficient appliances, install a new HVAC system, install new cabinets and kitchen lighting, paint the interior and exterior walls of the house, and so much more. You could even use one personal loan to fund several of these projects. Unlike construction loans, personal loans are funded as a lump sum all at once. This gives borrowers more freedom. A personal loan of 85K can really go a long way to making your dream home become a reality, and if you have some carpentry experience or handy skills, you can stretch your dollar even further by only purchasing materials and doing much of the work yourself. In addition to home improvements personal loans are often used for debt consolidation, weddings, honeymoons, education, and more.

What is the best way to get an $85K personal loan?

The first step toward securing the best personal loan is to compare offers. If you have a good relationship with a local bank or credit union you may want to see what they can offer. Banks and credit unions may be able to offer more lending products compared to online lenders. If you want to use a personal loan, you may need to use an online lender to find personal loan amounts up to $85,000. 
At Acorn Finance you can get prequalified for $85,000 with no impact on your credit score. With a top rated network of lenders, you can receive multiple personal loan offers and compare them all in one place.

Browse each of the lenders to see what kind of terms, interest rates, and special features they can offer you for your loan. When you find an offer that looks good to you, you can then work out all the final details directly with the lender.
Once the loan is approved, you could see the money deposited into your bank account in as little as one business day, although funding times may vary.

Can I get a personal loan for $85,000 online?

Yes, shopping online for a personal loan has become extremely popular. Its rise in popularity has to do with its convenience and how fast you can receive your money. Also, online lending has been proven safe and secure through positive experiences from millions of Americans each year. Your online loan experience can have a lot to do with the lender you decide to work with. Always verify the legitimacy of an online lender before submitting any information. While most lenders offer an online application process, you may be able to complete the entire process online in some cases.

Closing Thoughts
It's likely that your commitment to repay an $85,000 loan will last for years to come. Therefore, you want to make sure you get a fair deal and that you can cover the monthly payment. Being able to prove you have more than enough income to cover your monthly payment along with other living expenses will increase your chance of approval. If you are ready to dive in and check $85,000 personal loan offers, visit Acorn Finance.
Acorn Finance has trustworthy lending partners that can offer APRs as low as 6.99% depending on your credit score. Individuals can discover simple and competitive payment options through Acorn Finance. At Acorn Finance, you can submit one application and receive loan offers in 60 seconds or less with no impact to your credit score. Once you have claimed the best offer and finalized the loan, you can receive funds quickly.
Check $85,000 personal loan offers with no impact to your credit score. . . get started online today!

Compare Rates From Top Lenders

Popular Home Improvement Projects

Barn Financing Options

One home, endless possibilities


Personal Loan Information