5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Vancouver (WA)

We have found 115 personal loans to apply for in Vancouver, WA. Add more criteria to compare personal loans and find the best one for you.

By Myfin Team
Updated March 29, 2024
Showing 115 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
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On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
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.
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Showing 115 personal loans
Amount
$
Credit Score
City, state or Zip
  • Vancouver, WA
  • Alabama
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  • District of Columbia
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  • Vermont
  • Virginia
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming
Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Vancouver

Showing 5 banks
Sort by: Branches
Branches 11 bank branches
Total Assets (US$M)3,380,824,000
Salmon Creek
Friday: 9:00 AM - 5:00 PM
Andresen And 63rd
Friday: 9:00 AM - 5:00 PM
Vancouver
Friday: 9:00 AM - 5:00 PM
Show all departments
Branches 10 bank branches
Total Assets (US$M)582,252,757
Branches 9 bank branches
Total Assets (US$M)30,131,538
Vancouver International Branch
3301 E. Fourth Plain Boulevard, Vancouver, WA, 98661
Vancouver Downtown Branch
1400 Washington Street, Suite 200, Vancouver, WA, 98660
Vancouver Cascade Park West Branch
11515 S.e. Mill Plain Boulevard, Vancouver, WA, 98684
Show all departments
Branches 6 bank branches
Total Assets (US$M)2,440,022,000
Branches 5 bank branches
Total Assets (US$M)1,712,535,000
Fisher's Landing
Friday: 9:00 AM - 5:00 PM
Within Hazel Dell In-store  
Friday: 9:00 AM - 5:00 PM
Show all departments

How to Choose the Ideal Personal Loan in Vancouver, Washington?

Personal loans can serve as a valuable tool for addressing financial gaps and enhancing your overall financial well-being. It is crucial to employ effective strategies for comparing and choosing the right personal loan in Vancouver.

Annual Percentage Rates (APR)

When evaluating various loan options, it is crucial to focus on the annual percentage rate (APR). The APR provides a more accurate representation of the total cost of the loan, encompassing not only the interest rate but also any associated fees. By comparing APRs, you can determine which loan will lead to higher long-term expenses. In Vancouver, the range of APRs varies from 4.49% to 36%.

Loan Amount

Since you may not have an exact amount in mind, exploring loan amount options can be helpful. Look out for lenders that offer a variety of loan amounts so that you have access to a significant amount of funds should you need it. In addition, look out for lenders that allow for gradual withdrawals, allowing you to pay interest only on the amount used.

Monthly Payments

Selecting a loan with monthly payments that harmoniously align with your budget is of paramount importance. Ensure that you can meet your routine financial responsibilities while simultaneously managing the repayment of the loan principal and accrued interest.

Credit Requirements

Most lenders tend to favor borrowers with credit scores falling within the good to excellent range (typically 670 or higher). In Vancouver, the minimum acceptable credit score is classified as Poor (300 - 579). To maximize your loan terms, it's wise to tailor your search to align with your specific credit score.

Collateral

Typically, personal loans are unsecured, meaning they do not require collateral. However, some loans may require collateral, which can potentially lead to lower interest rates due to reduced risk for the lender. Conversely, unsecured loans often come with higher interest rates. If you aim to avoid higher interest rates, considering a secured personal loan could be a prudent option.

Origination Fee

Numerous lenders impose origination fees in addition to the interest payments. These fees, calculated as a percentage of the entire loan sum, differ from one lender to another.

Compare and choose the best personal loan in Vancouver

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

Increasing Personal Loan Approval Odds in Vancouver:

  1. Improve Your Credit. Elevating your credit score remains the most effective strategy for increasing your chances of loan approval. While Vancouver maintains a minimum credit score requirement of Poor (300 - 579), aiming for a higher score enhances your prospects. Consistently making on-time debt payments, practicing responsible credit utilization, limiting applications for new credit, and addressing discrepancies in your credit report all contribute to this improvement.
  2. Boost Your Income. Lenders carefully examine the debt-to-income ratio when assessing loan applications. Increasing your income positively affects this ratio and improves your approval chances. Negotiating for a salary increase or exploring part-time employment opportunities can augment your income and strengthen your loan application.
  3. Avoid New Debts. During your pursuit of a personal loan, it's prudent to refrain from taking on additional debt. Lenders view existing debt as a risk factor that may diminish your approval odds. Focus on settling your existing debts and steer clear of new financial obligations. Reducing your debt burden makes it easier to repay the personal loan.
  4. Loan Amounts. Lenders typically approach larger loan amounts cautiously due to the associated risks. In Vancouver, the maximum loan amount is set at $500,000; however, obtaining approval for this amount can be challenging. Opting for smaller loan amounts increases your likelihood of approval. Determine your precise funding needs and request the minimum required amount from lenders. In Vancouver, the minimum loan amount available is $100.
  5. Consider Joint Applicants. Exploring the option of a joint applicant or co-signer can bolster your chances of loan approval. Lenders assess the credit scores and incomes of both applicants in a joint application. Having a dependable joint applicant or co-signer strengthens your financial position throughout the loan approval process.

Conclusion

Choosing a personal loan is a big decision that requires careful preparation. By taking proactive steps now, you can improve your chances of getting a loan.

FAQ

What is the highest interest rate on a personal loan in Vancouver, Washington?

The highest interest rate on personal loan in Vancouver is 36%.

What is the biggest loan amount in Vancouver, Washington?

The biggest personal loan amount in Vancouver is $500,000.

What credit score do I need to have to get a personal loan in Vancouver, Washington?

To get approved for a personal loan in Vancouver you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

Author, editor

content@myfin.us

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