$25,000 Loans: Find the Best in 2025
Personal loans of $25,000 are widely available from various lenders. Here are our top loan options:
Best $25,000 Loans: Quick Answer
Remember, choosing a loan is a personal decision. Only you can determine which option best suits your unique financial situation. To help you make an informed choice, we’ve prepared a comprehensive comparison of loan options.
| Company | Interest | Loan Term | Loan amount | Accepts bad credit: | |
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recommended
| 5.99% – 35.99% | 2 Months – 6 Years | $500 – $35,000 | Yes | Explore more |
| 7.80% – 35.99% | 3 Years – 5 Years | $1,000 – $50,000 | Yes | Explore more |
recommended
| 9.99% – 35.99% | 2 Years – 7 Years | $1,000 – $50,000 | Yes | Explore more |
| 5.99% – 35.95% | 2 Months – 6 Years | $100 – $35,000 | Yes | Explore more |
| 5.99% – 35.99% | 3 Months – 6 Years | $500 – $10,000 | Yes | Explore more |
| 15.00% – 1,564.00% | 7 Days – 1 Year | $200 – $10,000 | Yes | Explore more |
| 59.00% – 179.00% | 6 Months – 1 Year , 6 Months | $500 – $5,000 | Yes | Explore more |
recommended
| 173.00% – 307.00% | 1 Month – 1 Year | $200 – $2,500 | Yes | Explore more |
recommended
| 5.99% – 35.99% | 2 Months – 6 Years | $500 – $35,000 | Yes | Explore more |
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| Company | Overall Rating | Interest | Loan Term | Loan amount | Accepts bad credit: | Get Started |
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recommended
| 5.99% – 35.99% | 2 Months – 6 Years | $500 – $35,000 | Yes | Explore more | |
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| 7.80% – 35.99% | 3 Years – 5 Years | $1,000 – $50,000 | Yes | Explore more | |
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recommended
| 9.99% – 35.99% | 2 Years – 7 Years | $1,000 – $50,000 | Yes | Explore more | |
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| 5.99% – 35.95% | 2 Months – 6 Years | $100 – $35,000 | Yes | Explore more | |
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| 5.99% – 35.99% | 3 Months – 6 Years | $500 – $10,000 | Yes | Explore more | |
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| 15.00% – 1,564.00% | 7 Days – 1 Year | $200 – $10,000 | Yes | Explore more | |
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| 59.00% – 179.00% | 6 Months – 1 Year , 6 Months | $500 – $5,000 | Yes | Explore more | |
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recommended
| 173.00% – 307.00% | 1 Month – 1 Year | $200 – $2,500 | Yes | Explore more | |
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recommended
| 5.99% – 35.99% | 2 Months – 6 Years | $500 – $35,000 | Yes | Explore more |
Ready to explore your options? Use our LoanFinder™ to compare personalized loan offers from multiple lenders in minutes.
In-Depth Analysis of $25,000 Loans Top Options
Let’s dive deeper into our top three choices for $25,000 loans: 5KFunds, Upstart, and Upgrade. Each offers unique features that cater to different borrower needs.
5KFunds: Best for Competitive Rates and Flexible Terms
Chosen 81,052 times- Check Rates without Credit Impact
- No Minimum Credit Score
- Large Network of Lenders
5KFunds is an online lending marketplace that connects borrowers with multiple lenders, offering a range of personal loans including $25,000 loans.
Low starting APR of 5.99%: Potential for significant savings on interest
Multiple lender options: Increases your chances of loan approval
Soft credit check for pre-qualification: See potential rates without impacting your credit score
Quick online application process: Save time and effort when applying
Flexible loan terms: Choose repayment periods that fit your budget
No prepayment penalties: Pay off your loan early without extra costs
Pros
Maximum APR can be high: Borrowers with lower credit scores may face higher rates
Origination fee of 1-3%: Adds to the overall cost of the loan
Not a direct lender: May require additional steps to finalize loan with chosen lender
Cons
How Much Would a $25,000 Loan With 5KFunds Cost?
The table below illustrates the potential cost of a $25,000 loan from 5KFunds, assuming the minimum APR of 5.99% and an origination fee of 1% (the lowest in their range).
| 5KFunds: $25,000 Loan | Origination Fee (1%) | Monthly Payment (APR 5.99%) | Total Payment |
|---|---|---|---|
| 12 months | $250 | $2,149.21 | $26,040.52 |
| 24 months | $250 | $1,108.08 | $26,843.92 |
| 36 months | $250 | $760.69 | $27,634.84 |
| 48 months | $250 | $586.50 | $28,402.00 |
Remember, taking out a loan is a significant financial decision that comes with risks. This table is just an example, and actual loan offers may vary based on your individual financial situation.
Upstart: Ideal for Borrowers with Limited Credit History
Upstart is an online lender that uses artificial intelligence and machine learning to assess borrower creditworthiness, making it an excellent option for those with limited credit history.
AI-powered underwriting: Considers factors beyond credit score for approval
Quick funding: Many borrowers receive funds within one business day
No prepayment penalties: Save on interest by paying off your loan early
Flexible loan amounts: Borrow between $1,000 and $50,000
Soft credit pull for rate check: See potential rates without impacting your credit score
Educational resources: Offers tools to help improve your financial literacy
Pros
Higher starting APR of 7.80%: Not the lowest rates available in the market
Origination fee of 1-5%: Adds to the overall cost of the loan
Not available in all states: May not be an option depending on your location
Cons
How Much Would a $25,000 Loan With Upstart Cost?
Let’s examine the potential cost of a $25,000 loan from Upstart, assuming the minimum APR of 7.80% and an origination fee of 1% (the lowest in their range).
| Upstart: $25,000 Loan | Origination Fee (1%) | Monthly Payment (APR 7.80%) | Total Payment |
|---|---|---|---|
| 12 months | $250 | $2,172.92 | $26,325.04 |
| 24 months | $250 | $1,131.46 | $27,405.04 |
| 36 months | $250 | $783.84 | $28,468.24 |
| 48 months | $250 | $609.46 | $29,504.08 |
It’s crucial to understand that borrowing money carries financial responsibilities. This table provides an example, and actual loan terms may differ based on your personal financial profile.
Upgrade: Great for Quick Funding and Credit-Building Tools
Chosen 2,533 times- High Trustpilot Rating
- No prepayment fees
- Fast Funding
- Helpful Support Team
Upgrade is an online lender that offers personal loans along with credit monitoring and educational tools to help borrowers improve their financial health.
Fast funding: Receive funds within one day of approval in many cases
Credit health tools: Free credit monitoring and educational resources
Joint application option: Apply with a co-borrower to potentially get better rates
Direct payment to creditors: Option to send funds directly to pay off existing debts
Flexible loan amounts: Borrow between $1,000 and $50,000
Fixed rates and payments: Predictable repayment schedule
Pros
Higher starting APR of 9.99%: Not the lowest rates available
Origination fee of 1.85%: Increases the overall cost of borrowing
No physical branches: All services are online, which may not suit everyone
Cons
How Much Would a $25,000 Loan With Upgrade Cost?
Here’s an overview of potential costs for a $25,000 loan from Upgrade, assuming the minimum APR of 8.49% and an origination fee of 1.85% (the lowest in their range).
| Upgrade: $25,000 Loan | Origination Fee (1.85%) | Monthly Payment (APR 8.49%) | Total Payment |
|---|---|---|---|
| 12 months | $462.50 | $2,184.17 | $26,672.54 |
| 24 months | $462.50 | $1,142.50 | $27,882.50 |
| 36 months | $462.50 | $794.72 | $29,072.42 |
| 48 months | $462.50 | $620.21 | $30,232.58 |
Keep in mind that taking on a loan is a significant financial commitment. This table serves as an example, and actual loan offers may vary based on your individual financial circumstances.
How To Get a $25,000 Loan
Now that we’ve explored some top options, let’s dive into the process of obtaining a $25,000 loan, including requirements, considerations, and application steps.
$25,000 Loan Typical Requirements
Most lenders will look at the following factors when considering your loan application:
- Credit score: Generally, a score of 650 or higher is preferred, but some lenders work with lower scores
- Income: Stable employment and sufficient income to cover loan payments
- Debt-to-income ratio: Typically, lenders prefer a DTI below 36%
- Age and residency: Must be at least 18 and a U.S. citizen or permanent resident
- Valid ID and documentation: Proof of income, address, and identity
What To Consider Before Applying for a $25,000 Loan
Before you apply, evaluate these factors:
- Interest rates and APR: Compare offers from multiple lenders
- Loan terms: Choose a repayment period that fits your budget
- Fees: Look out for origination fees, late payment fees, and prepayment penalties
- Monthly payments: Ensure you can comfortably afford the payments
- Total cost of the loan: Calculate how much you’ll pay over the life of the loan
- Purpose of the loan: Ensure it aligns with your financial goals
- Your credit score: Check your credit report for errors before applying
How To Apply for a $25,000 Loan
Here’s how to get a $25,000 personal loan
Check your credit score
Request a free credit report from AnnualCreditReport.com.
Review it carefully for accuracy, looking for:
- Incorrect personal information
- Accounts you don’t recognize
- Late payments you believe were on time
Tip: Check your FICO score, as it’s still the most widely used by lenders
Research lenders
Use LoanFinder™️ to get an overview of current market offers.
For Quick Approval Consider
Chosen 81,052 times- Check Rates without Credit Impact
- No Minimum Credit Score
- Large Network of Lenders
Get pre-qualified
- Gather necessary information
- Submit this information to multiple lenders for pre-qualification
- Understand that pre-qualification uses a soft credit pull, which doesn’t affect your credit score
Choose a lender
Consider:
- APR (Annual Percentage Rate)
- Loan terms (length of repayment)
- Total cost of the loan over its lifetime
- Any special features or benefits offered by the lender
Complete the application
Prepare required documents, which may include:
- Government-issued ID
- Proof of income (pay stubs, tax returns)
- Bank statements
- Proof of residence
Be prepared for a hard credit pull at this stage, and answer all questions honestly and thoroughly.
Wait for approval
- Typical response times range from a few hours to a few business days
- Some online lenders offer same-day approval and funding
- Review your budget to ensure you can manage the loan payments
- Read the entire loan agreement
- Don’t rush this step; take time to understand all terms and conditions
- If anything is unclear, ask the lender for clarification
- Consider having a financial advisor or lawyer review the agreement if it’s a large or complex loan
Consider this before applying
Before finalizing your loan application, reflect on your long-term financial goals and ensure that taking on this debt aligns with your overall financial plan. Consider speaking with a financial advisor if you’re unsure about the impact of this loan on your financial health.
How To Get a $25,000 Loan With Bad Credit
If you have bad credit, getting a $25,000 loan can be challenging but not impossible. Here are some strategies:
- Improve your credit score: Pay down existing debts and correct any errors on your credit report
- Find a co-signer: A creditworthy co-signer can increase your chances of approval
- Offer collateral: Consider a secured loan, which may offer better rates
- Explore credit unions: They often have more flexible lending criteria
- Look into peer-to-peer lending platforms: These may be more willing to work with lower credit scores
- Demonstrate strong income or low debt-to-income ratio: This can offset a lower credit score
Alternatives to a $25,000 Personal Loan
If a personal loan doesn’t seem like the right fit, consider these alternatives:
- Home equity loan or HELOC: If you’re a homeowner, these options may offer lower rates
- 401(k) loan: Borrow from your retirement savings, but be aware of the risks
- Credit card balance transfer: For debt consolidation, this can provide a temporary 0% APR
- Peer-to-peer lending: These platforms may offer competitive rates
- Family or friends: A personal loan from someone you know could be an option, but proceed with caution
- Secured loans: Using collateral like a car or savings account can lead to better terms
What To Do Now
Remember, finding the right $25,000 loan is crucial for your financial wellbeing. Take the time to compare multiple options and understand the terms of each offer. Our LoanFinder™ tool can help you quickly compare personalized loan offers from various lenders.
While this guide provides valuable information, it’s always wise to consult with a financial advisor before taking on significant debt. They can help you understand how a $25,000 loan fits into your overall financial picture and long-term goals.
Frequently Asked Questions About $25,000 Loans
What is the typical interest rate range for a $25,000 personal loan?
Interest rates for a $25,000 personal loan typically range from 5.99% to 35.97% APR.
Which lender offers the lowest starting APR for $25,000 loans?
5KFunds offers competitive rates starting at 5.99% APR.
What loan terms are available for a $25,000 personal loan?
Loan terms for a $25,000 personal loan usually span from 12 to 60 months.
How does my credit score affect my $25,000 loan application?
Your credit score significantly impacts loan approval and the interest rates you’ll receive.
What are some alternatives to a $25,000 personal loan?
Alternatives include home equity loans, 401(k) loans, credit card balance transfers, peer-to-peer lending, borrowing from family or friends, and secured loans.
What are the benefits of using 5KFunds for a $25,000 loan?
5KFunds offers competitive low starting APRs, multiple lender options, a soft credit check for pre-qualification, a quick online application process, flexible loan terms, and no prepayment penalties.
Can I get a $25,000 loan with bad credit?
It’s possible but challenging. You may face higher interest rates or need to secure the loan with collateral. Improving your credit score or finding a co-signer can increase your chances of approval.
What are the requirements to apply for a $25,000 personal loan?
Most lenders look at factors like a credit score of 650 or higher, stable income, debt-to-income ratio below 36%, being at least 18 years old and a U.S. citizen or permanent resident, and having valid ID and documentation.
How long does it take to get approved for a $25,000 loan?
The approval process can vary from a few minutes to several days, with online lenders often providing approvals within 24 hours.
What can I use a $25,000 personal loan for?
Personal loans can be used for debt consolidation, home improvements, major purchases, or unexpected expenses, though some lenders may have restrictions on loan use.
What fees are associated with a $25,000 loan?
Common fees include origination fees, which can range from 1% to 9.99%, depending on the lender.
How does 5KFunds compare to other lenders?
5KFunds offers competitive low APRs starting at 5.99%, flexible loan terms, multiple lender options, and a soft credit check for pre-qualification, making it a strong choice among lenders.
What steps should I take before applying for a $25,000 loan?
Before applying, check your credit score, research lenders, compare interest rates and APRs, consider loan terms and fees, evaluate monthly payments and total loan costs, determine the loan’s purpose, and ensure your credit report is accurate.
How do I apply for a $25,000 personal loan?
To apply, check your credit score, research and compare lenders, get pre-qualified with a soft credit pull, choose the best offer, complete the application by providing detailed financial information and required documents, wait for approval, and then review and accept the loan terms.
What should I consider before accepting a loan offer?
Consider the interest rates and APR, loan terms, associated fees, monthly payments, total cost of the loan, the purpose of the loan, and your credit score.
Are there any prepayment penalties for a $25,000 loan?
Some lenders, like 5KFunds, do not charge prepayment penalties, allowing you to pay off your loan early without extra costs.
What are the pros and cons of Upstart for a $25,000 loan?
Pros include AI-powered underwriting, quick funding, no prepayment penalties, flexible loan amounts, a soft credit pull, and educational resources. Cons are higher starting APRs, origination fees between 1-5%, and limited availability in some states.
How much would the monthly payment be on a $25,000 loan from Upgrade?
The monthly payment depends on the loan term and APR. For example, at 8.49% APR for 24 months, the payment would be approximately $1,142.50.
What documentation is required to apply for a $25,000 loan?
Typically, proof of income, address, and identity, such as pay stubs or utility bills, may be required.
Can I co-sign a loan to increase my chances of approval?
Yes, applying for a loan with a co-borrower can potentially help you get better rates and improve approval chances.
