How to Get Large $10,000 to $100,000 Personal Loans in February 2024

Last Update: September 20, 2023 Loans

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 February 2024: Key Findings

Loan Amounts:

You can obtain a $100k to $250k personal loan in February 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 February 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 February 2024 include:

Lender:Loan Amount:APR:Min. Credit Score:Type:Best For:
SuperMoney$600 – $100,0004.99% – 35.99%600Loan Comparison SiteComparing multiple offers
Upstart $1,000 – $50,0004.6% – 35.99%300Peer-to-Peer LenderLow credit scores, high DTI ratios
SoFi$5,000 – $100,0006.99% – 21.28%680Online LenderNo-fee personal loans
LightStream$5,000 – $100,0002.49% – 19.99%660Online LenderStrong credit profiles
Wells Fargo$3,000 – $100,0005.74% – 19.99%660BankWells Fargo customers
U.S. Bank$1,000 – $50,0005.99% – 18.49%660BankU.S. Bank customers
Upgrade$1,000 – $50,0008.49% – 35.99%560Online LenderHigh DTI ratios
LendingTree$1,000 – $50,0002.49% – 35.99%600Loan Comparison SiteObtaining a low APR
BestEgg$2,000 – $50,0005.99% – 35.99%550 – 600Online LenderWide range of credit scores
TD Bank$2,000 – $50,0006.99% – 18.99%700BankGood to excellent credit scores
Pentagon Federal Credit Union$600 – $50,0004.99% – 17.99%650Credit UnionHigh DTI ratios
Alliant Credit Union$1,000 – $50,0006.24% – 27.24%640Credit UnionFast funding
Navy Federal Credit Union$250 – $50,0007.49% – 18.00%Not ListedCredit UnionService members and affiliates
FreedomPlus$7,500 – $50,0007.99% – 29.99%620Online LenderDebt consolidation
Laurel Road $5,000 – $45,0007.00% – 24.75%660 – 700Online LenderDebt consolidation
LendingClub$1,000 – $40,0007.04% – 35.89%600Peer-to-Peer LenderGood credit scores, low DTI ratios
Happy Money$5,000 – $40,0005.99% – 24.99%550Peer-to-Peer LenderA stable credit history
Prosper$2,000 – $40,0007.95% – 35.99%640Peer-to-Peer LenderObtaining multiple personal loans
Marcus by Goldman Sachs$3,500 – $40,0006.99% – 19.99%660Online LenderNo-fee personal loans
LendingPoint$2,000 – $36,5009.99% – 35.99%580Online Lender$25,000 annual incomes
PersonalLoans$1,000 – $35,0005.99% – 35.99%580Loan Comparison SiteShort and long-term personal loans
PNC Bank$1,000 – $35,0005.99% – 35.99%660BankOnline 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.