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.
An $8,000 personal loan is a popular amount for consolidating credit card balances, covering medical procedures, financing home repairs, or purchasing a used vehicle. Most online lenders offer competitive rates at this loan size.
Compare the top lenders for $8,000 personal loans below.
| Lender | APR range | Loan range | Min. credit | Funding |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 580 | 1 day |
| Upstart | 6.40% – 35.99% | $1,000 – $50,000 | 300 | 1 day |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 640 | 1 day |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 600 | 3 days |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 680 | Same day |
| LightStream | 7.49% – 25.49% | $5,000 – $100,000 | 660 | Same day |
At $8,000, you have access to virtually every major online lender. This amount is large enough to make a meaningful dent in credit card debt or finance a significant purchase, while still being manageable with monthly payments typically between $150 and $300 depending on your rate and term.
For an $8,000 loan at 10% APR over 3 years, expect payments around $258/month. At 15% APR over 5 years, payments would be about $190/month. Shorter terms mean higher monthly payments but less total interest paid.
Most lenders require 580-660 for an $8,000 personal loan. Upstart accepts scores as low as 300. For the best rates under 10%, you typically need a score of 720 or higher.
Yes. Upgrade accepts scores from 580, and Upstart uses AI-based underwriting that looks beyond credit scores. Expect APRs of 20-36% with lower credit scores.
SoFi and LightStream offer same-day funding. Upgrade, Upstart, and Best Egg typically fund the next business day after approval.
Upgrade accepts lower credit scores and offers next-day funding with fixed rates.
Upstart uses AI underwriting that considers education and employment, not just credit score.
SoFi offers same-day funding with no origination, prepayment, or late fees.
LightStream offers same-day funding, no fees, and a Rate Beat program that beats competing offers.
Best Egg has funded over $24 billion in personal loans with fast, simple applications.
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