$4,000 Loan: Find the Best in 2025
— Comparison updated Jun 2025
- Compare the best $4,000 loans
- Learn the requirements
- Get step-by-step application tips to secure your ideal loan
All unsecured personal loans through Upstart offer a fixed rate and range between 6.6% - 35.99% APR based on 5-year rates offered in March 2025. The lowest rates are only available to the most qualified applicants. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Looking for a $4,000 loan? This guide will help you navigate your options and find the best lender for your needs in 2025
Here are our top loan options for a $4,000 loan:
While these are our top picks, remember that the best loan depends on your unique financial situation and needs. It's crucial to compare multiple options before making a decision.
Our full loan comparison table below provides a comprehensive overview of lenders offering $4,000 loans.
In-Depth Analysis of $4,000 Loan Top Options
Let's take a closer look at our top three options for $4,000 loans: 5KFunds, Upstart, and Upgrade. Each of these lenders offers unique features that cater to different borrower needs.
5KFunds is an online lending platform that connects borrowers with multiple lenders, offering a range of loan options, including $4,000 loans.
How Much Would a $4,000 Loan With 5KFunds Cost?
The table below illustrates the potential cost of a $4,000 loan from 5KFunds, assuming the minimum APR of 5.99% and an origination fee of 1%:
| 5KFunds: $4000 Loan | Origination Fee (1%) | Monthly Payment (APR 5.99%) | Total Payment |
|---|---|---|---|
| 12 months | $40 | $345.47 | $4,185.64 |
| 24 months | $40 | $177.38 | $4,297.12 |
| 36 months | $40 | $121.55 | $4,415.80 |
| 48 months | $40 | $93.66 | $4,535.68 |
Take note, taking out a loan is a serious financial commitment. This table is just an example, and your actual loan offer may vary based on your credit score, income, and other factors.
Upstart is an AI-powered lending platform that uses alternative data to evaluate borrowers, making it an excellent choice for those with limited credit history.
How Much Would a $4,000 Loan With Upstart Cost?
Let's look at the potential cost of a $4,000 loan from Upstart, assuming the minimum APR of 7.80% and an origination fee of 1%:
| Upstart: $4000 Loan | Origination Fee (1%) | Monthly Payment (APR 7.80%) | Total Payment |
|---|---|---|---|
| 12 months | $40 | $349.53 | $4,234.36 |
| 24 months | $40 | $181.51 | $4,396.24 |
| 36 months | $40 | $125.76 | $4,567.36 |
| 48 months | $40 | $97.95 | $4,741.60 |
This table provides an estimate based on Upstart's minimum APR. Your actual loan terms may differ depending on your financial profile and current offers.
Upgrade is an online lender that offers personal loans with a focus on helping borrowers improve their financial health.
How Much Would a $4,000 Loan With Upgrade Cost?
Here's an example of what a $4,000 loan from Upgrade might cost, assuming the minimum APR of 9.99% and an origination fee of 1.85%:
| Upgrade: $4000 Loan | Origination Fee (1.85%) | Monthly Payment (APR 9.99%) | Total Payment |
|---|---|---|---|
| 12 months | $74 | $354.31 | $4,325.72 |
| 24 months | $74 | $186.40 | $4,547.60 |
| 36 months | $74 | $130.77 | $4,781.72 |
| 48 months | $74 | $103.08 | $5,021.84 |
Keep in mind that this is an example based on Upgrade's minimum APR. Your actual loan offer may vary depending on your creditworthiness and current promotions.
How to Get a $4,000 Loan
In this section, we'll explore the typical requirements for a $4,000 loan, what to consider before applying, and the application process itself.
What to Consider Before Applying for a $4,000 Loan
Before you apply, take these factors into account:
Interest rate and APR: These determine the overall cost of your loan.
Loan term: This affects your monthly payment amount and total interest paid.
Fees (origination, late payment, etc.): Be aware of all potential costs associated with the loan.
Monthly payment amount: Ensure the payments fit comfortably within your budget.
Total cost of the loan: Calculate how much you'll pay over the life of the loan.
Prepayment penalties: Some lenders charge fees for early repayment.
Impact on your credit score: Taking out a loan can temporarily affect your credit.
Alternative options (e.g., savings, credit cards, borrowing from family): Consider if there are less expensive ways to obtain the funds.
How to Apply for a $4,000 Loan
Consider this before applying
Before submitting your application, ensure you have a clear plan for repaying the loan. Late payments can severely impact your credit score and lead to additional fees.
Alternatives to a $4,000 Loan
Before committing to a $4,000 loan, consider these alternatives:
0% APR credit card balance transfer
Home equity line of credit (if you're a homeowner)
Borrowing from friends or family
Negotiating with creditors for better terms
Seeking assistance from non-profit credit counseling agencies
What To Do Now
Finding the right $4,000 loan requires careful consideration of multiple factors. Use our LoanFinder™ tool to compare personalized offers from various lenders and find the best option for your needs.
Remember, while this guide provides valuable information, consulting with a financial advisor before taking on any significant debt is a wise decision. They can help you understand the long-term implications of a loan and ensure it aligns with your overall financial goals.
Disclosures
1. 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).
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 loan
3. 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.
4. 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.
5. 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.
6. 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.
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