Compare Offers and Find the Best $25,000 Loans in 2025
— Comparison updated Jul 2025
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Personal loan
Personal loan
Personal loan
Personal loan
Personal loan
$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:
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.
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 offer unique features that cater to different borrower needs.
5KFunds is an online lending marketplace that connects borrowers with multiple lenders, offering a range of personal loans including $25,000 loans.
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 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.
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 financial profile.
Upgrade is an online lender that offers personal loans along with credit monitoring and educational tools to help borrowers improve their financial health.
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 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.
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
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.
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 well-being. 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.
Disclosures
1. Your loan amount will be determined based on your credit, income, and certain other1. Your loan amount will be determined based on your credit, income, and certain otherinformation provided in your loan application. Not all applicants will qualify for the fullamount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).information provided in your loan application. Not all applicants will qualify for the fullamount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
2. Although educational information is collected as part of Upstart's rate check process,2. Although educational information is collected as part of Upstart's rate check process,neither Upstart nor its bank partners have a minimum educational attainmentrequirement in order to be eligible for a loanneither Upstart nor its bank partners have a minimum educational attainmentrequirement in order to be eligible for a loan
3. The full range of available rates varies by state. A representative example of payment3. The full range of available rates varies by state. A representative example of paymentterms for an unsecured Personal Loan is as follows: a borrower receives a loan of$10,000 for a term of 60 months, with an interest rate of 18.60% and a 8.51%origination fee of $851, for an APR of 23.07%. In this example, the borrower will receive$9149 and will make 60 monthly payments of $258. APR is calculated based on 5-yearrates offered in December 2024. There is no downpayment and no prepayment penalty.Your APR will be determined based on your credit, income, and certain otherinformation provided in your loan application. Not all applicants will be approved.terms for an unsecured Personal Loan is as follows: a borrower receives a loan of$10,000 for a term of 60 months, with an interest rate of 18.60% and a 8.51%origination fee of $851, for an APR of 23.07%. In this example, the borrower will receive$9149 and will make 60 monthly payments of $258. APR is calculated based on 5-yearrates offered in December 2024. There is no downpayment and no prepayment penalty.Your APR will be determined based on your credit, income, and certain otherinformation provided in your loan application. Not all applicants will be approved.
4. If you accept your loan by 5pm EST (not including weekends or holidays), you will4. If you accept your loan by 5pm EST (not including weekends or holidays), you willreceive your funds the next business day. When the funds will be available to you willdepend on your bank’s transaction processing time and policies. receive your funds the next business day. When the funds will be available to you willdepend on your bank’s transaction processing time and policies.
5. While most loans through Upstart are unsecured, certain lenders may place a lien on5. While most loans through Upstart are unsecured, certain lenders may place a lien onother accounts you hold with the same institution. There may be an option to secureyour personal loan through Upstart with your vehicle, which will require a lien to beplaced on the vehicle. It is important to review your promissory note for these detailsbefore accepting your loan.other accounts you hold with the same institution. There may be an option to secureyour personal loan through Upstart with your vehicle, which will require a lien to beplaced on the vehicle. It is important to review your promissory note for these detailsbefore accepting your loan.
6. When you check your rate, we check your credit report. This initial (soft) inquiry will not6. When you check your rate, we check your credit report. This initial (soft) inquiry will notaffect your credit score. If you accept your rate and proceed with your application, wedo another (hard) credit inquiry that will impact your credit score. If you take out a loan,repayment information may be reported to the credit bureaus.affect your credit score. If you accept your rate and proceed with your application, wedo another (hard) credit inquiry that will impact your credit score. If you take out a loan,repayment information may be reported to the credit bureaus.
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.
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