$10,000 Personal Loans For Good & Bad Credit

Compare $10,000 personal loan options from top lenders. Get pre-qualified in minutes.

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No credit score impact

Borrow up to $100,000

How PrimeRates Works

PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.

1

Apply in minutes

Simple pre-qual application in less than 1 minute. 

2

Select your loan offer

Choose the offer that best fits your needs.

3

Receive funds quickly

Finalize your loan offer, get approved, and receive funds.

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$10,000 Personal Loans

A $10,000 personal loan is one of the most common loan amounts, used for everything from debt consolidation and home improvements to medical expenses and major purchases. Most major lenders offer this amount with competitive rates and terms.

Compare $10,000 personal loan offers from top lenders below.

Best Lenders for $10,000 Personal Loans

These lenders all offer personal loans of $10,000 with online applications and fast funding.

LenderAPR rangeLoan amountsLoan terms
SoFi7.99% – 29.99%$5,000 – $100,00024 to 84 months
Upgrade6.94% – 35.97%$1,000 – $50,00024 to 84 months
Best Egg8.99% – 35.99%$2,000 – $50,00036 to 60 months
Marcus6.99% – 24.99%$3,500 – $40,00036 to 72 months
Prosper6.99% – 35.99%$2,000 – $50,00024 to 60 months
LightStream7.49% – 25.49%$5,000 – $100,00024 to 144 months

Frequently Asked Questions

What is the monthly payment on a $10,000 loan?

At 10% APR with a 36-month term, your monthly payment would be approximately $323. At 15% APR with a 60-month term, it would be about $238. Use a loan calculator to see exact payments for your specific rate and term.

Can I get a $10,000 loan with bad credit?

Yes. Lenders like Upgrade (580+), Avant (580+), and Upstart (AI-based, no strict minimum) work with lower credit scores. Expect higher interest rates, but approval is possible.

How fast can I get a $10,000 loan?

LightStream offers same-day funding. Upgrade, Best Egg, and Upstart typically fund by the next business day. Most lenders can have funds in your account within 1-3 business days.

Compare Personal Loan Rates

SoFi

  • Loan range: $5,000 – $100,000
  • APR: 7.99% – 29.99%
  • Min. credit score: 680

SoFi offers large loans up to $100,000 with no fees of any kind.

Visit SoFi

Upgrade

  • Loan range: $1,000 – $50,000
  • APR: 6.94% – 35.97%
  • Min. credit score: 580

Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000 with next-day funding.

Visit Upgrade

Best Egg

  • Loan range: $2,000 – $50,000
  • APR: 8.99% – 35.99%
  • Min. credit score: 640

Best Egg has funded over $24 billion in loans with next-day funding.

Visit Best Egg

Marcus by Goldman Sachs

  • Loan range: $3,500 – $40,000
  • APR: 6.99% – 24.99%
  • Min. credit score: 660

Marcus charges no fees — no origination, prepayment, or late fees.

Visit Marcus

Prosper

  • Loan range: $2,000 – $50,000
  • APR: 6.99% – 35.99%
  • Min. credit score: 600

Prosper is a peer-to-peer lending marketplace with loans from $2,000 to $50,000.

Visit Prosper

Other Personal Loan Types

Debt Consolidation

Credit Card Refinance

Home Improvement

Medical Expenses

Business Expenses

Vacation

Moving Expenses

Education Expenses

Wedding

Auto Expenses

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