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.
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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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Finalize your loan offer, get approved, and receive funds.
A $4,000 personal loan can help cover expenses ranging from medical bills and car repairs to home improvements and debt consolidation. Many lenders offer quick online applications with funding as fast as the next business day.
Compare your options below to find the best rate and terms for a personal loan of $4,000.
These lenders offer personal loans that include $4,000 in their available range.
| Lender | APR range | Min. loan | Min. credit |
| Upgrade | 6.94% – 35.97% | $1,000 | 580 |
| Upstart | 6.40% – 35.99% | $1,000 | 300 (AI) |
| OneMain Financial | 18.00% – 35.99% | $1,500 | None |
| Prosper | 6.99% – 35.99% | $2,000 | 600 |
| LendingPoint | 7.99% – 35.99% | $2,000 | 580 |
At 12% APR with a 36-month term, your monthly payment on a $4,000 loan would be approximately $133. Your actual payment depends on your APR and chosen term length.
Yes. Lenders like Upgrade (580+ score), Upstart (AI-based, no strict minimum), and OneMain Financial (no minimum) work with borrowers who have lower credit scores. Rates will be higher, but approval is possible.
Many online lenders offer same-day or next-business-day funding after approval. LightStream offers same-day funding, while Upgrade, Best Egg, and Upstart typically fund by the next business day.
Upgrade accepts credit scores as low as 580 and offers loans starting at just $1,000 with next-day funding.
Upstart uses AI to evaluate borrowers beyond credit scores. Loans start at $1,000 with next-day funding.
OneMain Financial offers secured and unsecured loans with no published minimum credit score.
Prosper is a peer-to-peer marketplace with loans from $2,000 to $50,000.
LendingPoint looks at your complete financial picture, not just your credit score.
Core inflation cooled to 2.4 percent in August, the lowest since March 2021, but a 0.3 percent monthly gain pushed September Fed hike odds above 65 percent.
Treasury sold $22 billion of 30-year bonds at 5.308 percent on September 10, the highest stop since 2001, and indirect bidders took a record 79.3 percent.
Treasury sold $39 billion of 10-year notes at a 4.834 percent high yield on September 9, 2026, the highest 10-year auction stop since August 2007, on a 2.71 bid-to-cover ratio.
The Federal Reserve’s G.19 release shows consumer credit rose $18.1 billion in July 2026, pushing revolving card balances to a record $1.3572 trillion a week before the September 16 FOMC decision.
Treasury held $967.9 billion at the Fed in the week ended September 2, a four month high, pulling bank reserves to $2.895 trillion, their lowest in 39 weeks.
The U.S. prime rate has held at 6.75% for 270 days. After August payrolls rose 162,000, futures price roughly even odds of a hike on September 16.