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 $80,000 personal loan is a significant amount typically used for major debt consolidation, large home renovations, business expenses, or major life events. Only a few lenders offer unsecured loans this large.
Compare lenders offering $80,000 personal loans below.
| Lender | APR range | Max loan | Min. credit | Funding |
| SoFi | 7.99% – 29.99% | $100,000 | 680 | Same day |
| LightStream | 7.49% – 25.49% | $100,000 | 660 | Same day |
| Upgrade | 6.94% – 35.97% | $50,000 | 580 | 1 day |
| Best Egg | 8.99% – 35.99% | $50,000 | 640 | 1 day |
| Prosper | 6.99% – 35.99% | $50,000 | 600 | 3 days |
Note: SoFi and LightStream are the only lenders above that offer loans up to $100,000. For an $80,000 loan from other lenders, you may need to combine two separate loans.
At $80,000, your options are limited to lenders with high maximum loan amounts. SoFi and LightStream both go up to $100,000 and are the best choices for loans of this size. Both require good to excellent credit.
For an $80,000 loan at 9% APR over 7 years, expect payments around $1,282/month. At 12% APR over 5 years, payments would be about $1,780/month.
You typically need 680+ for SoFi and 660+ for LightStream. For the best rates on a loan this large, aim for 740+.
Yes, but only from select lenders. SoFi and LightStream offer unsecured loans up to $100,000. Most other lenders cap at $50,000.
A home equity loan typically offers lower rates since it is secured by your home. However, a personal loan does not put your home at risk and requires no appraisal. Choose based on your risk tolerance and available equity.
Upgrade accepts lower credit scores and offers next-day funding.
SoFi charges no origination, prepayment, or late fees. Same-day funding available.
LightStream offers same-day funding, no fees, and a Rate Beat program.
Marcus offers fee-free loans with an on-time payment reward program.
Best Egg has funded over $24 billion in loans with next-day funding.
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