$5,000 loanThe top of the range.
Here's what it takes.
Five thousand is our maximum, and not every lender in our network goes there. The ones that do look harder at three things. This page shows you the bar, the payment at each term — and asks the question most $5,000 pages skip: do you need all of it?
24 months$7,085total
repaid
Representative 35.99% APR · APR from 5.99% for the strongest profiles
What $5,000 asks of your income
Lenders want the payment well under a fifth of monthly take-home. The track shows the payment at our representative 35.99% APR; the figure on the right is the income that clears it.
A guide, not a lender's rule. Lenders also subtract existing obligations they see on your statement. Requirements
Three things that decide a $5,000 offer
Income that clears the bar comfortably
Not just the payment — the payment plus rent, car, cards. At $295 a month, lenders generally want $1,500+ take-home with room to spare.
A checking account with months of history
Ninety days is the minimum most lenders read; six months of steady deposits and no returned items is what gets $5,000 instead of $3,000.
A state that allows it
Some states cap small-dollar loans below $5,000 or make larger loans uneconomic for lenders. Your offers show what's available where you live.
Do you need all five thousand?
Round numbers are expensive. A $4,200 problem borrowed as $5,000 costs about $1,100 more over two years. Slide to what you actually need.
Over 24 months, five APRs
At this amount the rate matters more than anywhere else in our range — the spread between best and representative is nearly $1,800. If your profile is strong, make lenders compete; a credit union may beat all of them.
Bars scaled to the 35.99% interest ($2,085). Rates & fees · Credit-union alternatives
Quick answers
Can I get a $5,000 loan with bad credit?
It's the hardest amount in our range for a bruised file. Lenders will want strong, documented income and a clean six months of banking; many will counter with $2,000–$3,000 first and raise the ceiling after on-time payments. Bad credit loans
What does a $5,000 loan cost per month?
$502 over 12 months, $364 over 18 or $295 over 24 at our representative 35.99% APR — total interest about $1,027, $1,543 or $2,085. At 5.99% the 24-month payment is $222. Your lender's APR may be lower or higher.
Is a $5,000 loan the same as a personal loan from a bank?
Same structure — unsecured, fixed payments — but banks and credit unions typically require a 640+ score and take days to fund, at lower rates. If you qualify there, go there. Our network funds next business day and considers scores banks won't.
Can I borrow more than $5,000?
Not through our network. Above $5,000, look at a credit union personal loan, or — for homeowners with equity and a project above $10,000 — a HELOC. Borrowing $5,000 here and the rest elsewhere usually costs more than one right-sized loan.
See what you qualify for
Soft check, real offers up to $5,000, funds next business day — and an honest counter-offer if $5,000 isn't the right number yet.
Checking your rate does not affect your credit score.