How to Get Large $10,000 to $100,000 Personal Loans in October 2024
Do you need a large personal loan of $10,000, $50,000 or $100,000? If so, we have great news. There are many options. And all of the lenders on our list offer unsecured loans, allowing you to use the proceeds for debt consolidation, home improvements, credit card refinance, unexpected expenses, etc.
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How to Get Large $10k to $100k Personal Loans in October 2024: Key Findings
Loan Amounts:
You can obtain a $100k to $250k personal loan in October 2024, but the highest limits and the lowest rates require a perfect credit score. Therefore, bad credit borrowers should apply for less and improve their credit scores before inquiring about a large loan.
Interest Rates:
Most $100k to $250k applicants obtain APRs of 5.99% to 15%. However, this guide will show you how to lower your APR.
Credit Scores:
You often need a credit score of at least 700 to obtain a $100,000 personal loan.
Income Requirements:
You must have a monthly income of $3,305 to qualify for a $100,000 personal loan. But cosigner, secured, or collateral loans can help you succeed. Large loans are considerable commitments, so ensure you can repay the funds and analyze your cash flow to determine the impact of financial emergencies.
Due Diligence:
Please read the agreement carefully before signing, and don’t be afraid to ask questions. Moreover, you can consult a lawyer for additional assistance.
Obtaining the Lowest Rates:
Shopping around is the easiest way to land the lowest rate after considering these variables. And our marketplace is an excellent place to start your search.
Best Large $10k – $250k Personal Loans in October 2024
There are hundreds of lenders in the marketplace. But some don’t provide enough financing to meet applicants’ needs. Therefore, we created this guide to show you how to get a personal loan of $100k. Our picks for the best large personal loans of October 2024 include:
| Lender: | Loan Amount: | APR: | Min. Credit Score: | Type: | Best For: |
|---|---|---|---|---|---|
| SuperMoney | $600 – $100,000 | 4.99% – 35.99% | 600 | Loan Comparison Site | Comparing multiple offers |
| Upstart | $1,000 – $50,000 | 4.6% – 35.99% | 300 | Peer-to-Peer Lender | Low credit scores, high DTI ratios |
| SoFi | $5,000 – $100,000 | 6.99% – 21.28% | 680 | Online Lender | No-fee personal loans |
| LightStream | $5,000 – $100,000 | 2.49% – 19.99% | 660 | Online Lender | Strong credit profiles |
| Wells Fargo | $3,000 – $100,000 | 5.74% – 19.99% | 660 | Bank | Wells Fargo customers |
| U.S. Bank | $1,000 – $50,000 | 5.99% – 18.49% | 660 | Bank | U.S. Bank customers |
| Upgrade | $1,000 – $50,000 | 8.49% – 35.99% | 560 | Online Lender | High DTI ratios |
| LendingTree | $1,000 – $50,000 | 2.49% – 35.99% | 600 | Loan Comparison Site | Obtaining a low APR |
| BestEgg | $2,000 – $50,000 | 5.99% – 35.99% | 550 – 600 | Online Lender | Wide range of credit scores |
| TD Bank | $2,000 – $50,000 | 6.99% – 18.99% | 700 | Bank | Good to excellent credit scores |
| Pentagon Federal Credit Union | $600 – $50,000 | 4.99% – 17.99% | 650 | Credit Union | High DTI ratios |
| Alliant Credit Union | $1,000 – $50,000 | 6.24% – 27.24% | 640 | Credit Union | Fast funding |
| Navy Federal Credit Union | $250 – $50,000 | 7.49% – 18.00% | Not Listed | Credit Union | Service members and affiliates |
| FreedomPlus | $7,500 – $50,000 | 7.99% – 29.99% | 620 | Online Lender | Debt consolidation |
| Laurel Road | $5,000 – $45,000 | 7.00% – 24.75% | 660 – 700 | Online Lender | Debt consolidation |
| LendingClub | $1,000 – $40,000 | 7.04% – 35.89% | 600 | Peer-to-Peer Lender | Good credit scores, low DTI ratios |
| Happy Money | $5,000 – $40,000 | 5.99% – 24.99% | 550 | Peer-to-Peer Lender | A stable credit history |
| Prosper | $2,000 – $40,000 | 7.95% – 35.99% | 640 | Peer-to-Peer Lender | Obtaining multiple personal loans |
| Marcus by Goldman Sachs | $3,500 – $40,000 | 6.99% – 19.99% | 660 | Online Lender | No-fee personal loans |
| LendingPoint | $2,000 – $36,500 | 9.99% – 35.99% | 580 | Online Lender | $25,000 annual incomes |
| PersonalLoans | $1,000 – $35,000 | 5.99% – 35.99% | 580 | Loan Comparison Site | Short and long-term personal loans |
| PNC Bank | $1,000 – $35,000 | 5.99% – 35.99% | 660 | Bank | Online and in-person service |
How We’ll Help You Land a $100,000 Personal Loan
Obtaining the best $100,000 personal loan requires research and careful planning. And we’re always searching the lending market to determine which companies offer the best bargains. As a result, this guide will help you with every step, regardless of your prior knowledge. So whether it’s contrasting similar products or calculating your monthly payments, we’ll show you how to get a large personal loan of $100k.
We begin by reviewing the pros and cons of several large personal loans. Then, we’ll discuss how to qualify for the cheapest rates. In addition, we’ll show you the importance of your credit score and debt-to-income (DTI) ratio and how to calculate other critical credit metrics. Also, we’ll explain financing solutions for bad credit borrowers and highlight comparable products to a $100,000 personal loan.
Furthermore, we analyzed more than 100 companies to determine the best advice for how to get a $100k loan. Many of the lenders on our list have high minimum credit score requirements, so large loans often require good or excellent credit. However, some bad credit lenders extend high-dollar financing, but the elevated APRs and fees often make the products tough to afford. Therefore, while we believe our reviews include a comprehensive assortment of the best $100k personal loans available, they’re not suitable for all borrowers.
Our marketplace also has options for borrowers of all credit scores. You can view dozens of products from lenders with the cheapest rates. Moreover, inquiring won’t hurt your credit score, and applying to several lenders helps you land the lowest APR.
