Product from Rocket Loans

Personal Loan from Rocket Loans - see full info about rates, terms, credit score.

Updated May 04, 2026
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4.29 out of 5
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Check your personal loan rates

scorer
APR Range
7.51 - 29.49%
scorer
Amount
up to $45,000
scorer
Term
up to 60 months
scorer
Minimum credit score:
Fair (580-669)
scorer
No early payoff penalty
See full info about rates in different states

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Options

  • Loan purpose:
    Personal Loan
  • Lender:
    RockLoans Marketplace, LLC
  • Bank:
    Cross River Bank
  • Credit Level:
    Fair (580-669)
  • When funds are available:
    same day

Fees

  • Origination fee
    1 - 9.99%
  • Early payment fee
    No early payment fee.
  • Late fee
    $15

Pros & Cons

Pros:
  • No Prepayment Fee
  • Autopay Discount
  • Fast approval and funding
  • Simple application process
Cons:
  • Origination Fee
  • No secured loan options

Rates

Rates
7.51 - 29.49%
Term
36 - 60 months
Loan Amount
$2,000 - $45,000
Autopay
0.5%*
* In case of using Autopay service your rate is reduced by 0.5%
List of states where Rocket Loans loan is not available:
  • Iowa
  • Nevada
  • West Virginia
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • What you need to get approved (Qualifications)
    FICO® score 640 or higher.
  • Ages

    Borrower must be a U.S. citizen or permanent U.S. resident at least 18 years of age (in Nebraska and Alabama a borrower must be at least 19 years of age).

  • Requirements Description
    • Personal information (Name, Address, Phone Number, Date of Birth, Social Security Number)
    • Income Particulars (Income Type, Pay Method, Pay Frequency, Monthly Income)
    • Banking Details (Account Type, Account & Routing Numbers, Age of Account)

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Description

  • RocketLoans offers personal loans to qualified borrowers with fair to excellent credit score who need to borrow up to $45,000.

    The loan is not available in Iowa, Nevada, West Virginia.

    Rates range from 8.01% (with autopay) to 29.99% (without it). The loan origination fee ranges from 1% to 9.99%.

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