Personal loans, made simple

The loan that finally says yes.

$1,000 to $50,000. Funded as soon as the next business day. No credit score minimum. Real people, real answers.

Check my rate How it works

up to 8.99% APRFixed rates

$50,000Max amount

4.6★Trustpilot · 43,000+

See your rate in 60 seconds

No credit check. No personal details yet.

Loan amount $15,000

Term 48 months

Est. monthly

$372

APR

8.99%

Check my rate

Soft credit check · Won't affect your score

As featured in

Why Nationwide

Built for the moments that actually matter.

Next-day funding

Funds in your account as soon as the next business day after approval. No paper checks, no waiting.

$0 origination fees

What you borrow is exactly what you pay back, plus interest. Zero hidden costs at any step.

No minimum score

We look at the whole picture, not just a number. Approvals for people other lenders said no to.

How it works

Three steps to a real answer.

Tell us about you

Answer a few quick questions about the loan you want. No SSN needed yet.

~2 min

See your real rate

Soft credit check only. Your score stays untouched until you decide.

~30 sec

Funds in your bank

E-sign and we send funds via ACH as soon as the next business day.

~24 hrs

Popular reasons

Whatever you need it for.

Debt consolidation

One fixed monthly payment instead of multiple credit cards. Most borrowers save 30%+ on interest.

$5,000 - $40,000 36 - 60 months

Home improvement

Renovate without dipping into your equity. Faster than a HELOC, no home as collateral.

$5,000 - $50,000 48 - 84 months

Medical bills

Pay providers in full, avoid collections, and consolidate medical debt at one fixed rate.

$2,000 - $25,000 24 - 60 months

Auto repair

Major car repair when you need the car to get to work. Funded as soon as the next business day.

$1,000 - $10,000 24 - 48 months

Wedding

Lock in your vendor deposits without juggling six credit cards or borrowing from family.

$5,000 - $30,000 36 - 60 months

Major purchase

Appliances, furniture, electronics — get a fixed-rate loan instead of high-APR store credit.

$1,000 - $15,000 24 - 60 months

Real stories

What our customers actually say.

★★★★★

I had been turned down by three banks for a debt consolidation loan. Nationwide actually listened and got me approved at a rate I could afford.

Sarah Mitchell

Project manager · Austin, TX

★★★★★

Funds in my account the next morning. No drama, no upsell, just a real person who explained every step.

Marcus Allen

Electrician · Columbus, OH

★★★★★

My credit was rough after a divorce. Nationwide didn't pretend that didn't matter — they just looked at the whole picture and said yes.

Janelle Hayes

Nurse practitioner · Charlotte, NC

Real Help

When you call, you get a person.

Lending decisions don't have to be a black box. Our specialists pick up, explain your options in plain English, and tell you exactly where you stand. Whatever the answer is.

Talk to a specialist 1-888-628-4669

FAQ

Questions, answered.

What credit score do I need to qualify?

We have no minimum credit score. Our underwriters look at the whole picture: income, debt-to-income ratio, banking history, and employment stability. People turned down elsewhere often qualify here.

Does checking my rate hurt my credit?

No. Checking your rate is a soft credit pull — invisible to other lenders, no impact on your score. A hard pull only happens after you accept an offer.

How much can I borrow?

Loans range from $1,000 to $50,000. Most approvals fall between $5,000 and $25,000.

What is your APR range?

APR ranges from 6.99% to 8.99% based on your creditworthiness, loan amount, and term. We cap rates at 8.99% — we will never charge you more than that.

Are there any fees?

We charge zero origination fees. No application fee. No prepayment penalty. The only thing you pay is principal plus interest.

How fast can I get my funds?

Most approved borrowers receive funds via ACH as soon as the next business day after signing.

Ready when you are

Find out in 2 minutes — without touching your credit.

Soft check. Real answer. Then decide.

Check my rate