Best $100,000 Personal Loans for Good & Bad Credit

Compare $100,000 personal loan offers from top lenders. Get pre-qualified in minutes without affecting your credit.

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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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Smartphone loan pre-qualification app interface

$100,000 Personal Loans

A $100,000 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 $100,000.

Best $100,000 Personal Loans — Compare Lenders

These lenders offer personal loans that include $100,000 in their available range.

LenderAPR rangeMin. loanMin. credit
Upgrade6.94% – 35.97%$1,000580
Upstart6.40% – 35.99%$1,000300 (AI)
OneMain Financial18.00% – 35.99%$1,500None
Prosper6.99% – 35.99%$100,000600
LendingPoint7.99% – 35.99%$100,000580

Frequently Asked Questions

What is the monthly payment on a $100,000 personal loan?

At 12% APR with a 36-month term, your monthly payment on a $100,000 loan would be approximately $2,124. Your actual payment depends on your APR and chosen term length.

Can I get a $100,000 loan with bad credit?

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.

How fast can I get a $100,000 personal loan?

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.

Compare Personal Loan Rates

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 starting at just $1,000 with next-day funding.

Visit Upgrade

Upstart

  • Loan range: $1,000 – $50,000
  • APR: 6.40% – 35.99%
  • Min. credit score: 300 (AI)

Upstart uses AI to evaluate borrowers beyond credit scores. Loans start at $1,000 with next-day funding.

Visit Upstart

OneMain Financial

  • Loan range: $1,500 – $20,000
  • APR: 18.00% – 35.99%
  • No minimum credit score

OneMain Financial offers secured and unsecured loans with no published minimum credit score.

Visit OneMain

Prosper

  • Loan range: $100,000 – $50,000
  • APR: 6.99% – 35.99%
  • Min. credit score: 600

Prosper is a peer-to-peer marketplace with loans from $100,000 to $50,000.

Visit Prosper

LendingPoint

  • Loan range: $100,000 – $36,500
  • APR: 7.99% – 35.99%
  • Min. credit score: 580

LendingPoint looks at your complete financial picture, not just your credit score.

Visit LendingPoint

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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