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Income-focused personal loans

Income-based personal loans

You’re more than your credit score.

Unlock loan offers with your income.

Discover loan options with terms based on what you earn, not just your credit.

  • iconBorrow up to$250k
  • iconRates from5.99%
  • iconTerms up to12 years
  • iconNo fees
  • iconYour info is never sold
  • iconFunding as soon as next day
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Join over 32 million people who have been funded

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How much would you like to borrow?

$
Enter amount between $1k and $250k

Estimated Monthly Payment

$0/ month
Apply in 60 seconds
No credit impact

Loan term:

84 months

Interest rate:

5.99% APR

This calculator is provided for illustrative purposes only.

What to know before you apply

What to know before you apply

Your income tells a story your credit score doesn't. Three things most borrowers ask.

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  • Who is eligible for income-focused loans?

    US adults over the age of 18 with stable income which can be verified through pay stubs, bank statements or tax returns, subject to underwriting approval.

  • What type of income qualifies for a loan?

    W-2 employment, self-employment, gig work, benefits, retirement income — if it's consistent and verifiable, it typically qualifies.

  • Does applying affect my credit score?

    No — checking your options won't impact your credit. We use a soft pull to verify your info, not to judge your score.

    • Check my rate
    Apply in 60 seconds

Millions of dollars funded for everycredit scoreincome range

  • By credit score

  • By income range

    Check my rate — no credit impact
    Check my rate
    user
    Join over 32 million people who have been funded
    • $250kBorrow up to
    • 12 yearsAt terms up to
    • 5.99%With APR starting at

    As seen in

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    nerdwallet logothe street logoeconomic insider logotech times logoapple new logobusiness insider logoyahoo finance logoassociated press logointernational business logodigital journal logoreuters logotph logo

    Don't take it from us. Our clients say it best.

    Don't take it from us. Clients say it best.

    trustpilot rating
    trustpilot rating
    • Total customer inquiries in 2025275M+
    • Loan offers through platform350M+
    • Total credit products in 2025$2.3B+

    Pennie was awesome. I had a phone call to verify my income and they mapped out a plan and explained everything to me.

    Michael O.
    $36Kloan amount received

    Fast and easy. I was able to payoff a really high interest loan with the loan I received through Pennie. Very pleased!

    Alex D.
    $28Kloan amount received

    Online application was straight forward. Loan offers came quickly. They walked me through my multiple offers personally.

    Jerry W.
    $85Kloan amount received

    I had a quick need. I was able to get offers instantly through pennie and was funded in under 48h. Gave me flexibility pick my payments terms and date.

    Jamie B.
    $17Kloan amount received

    The web site was super easy and took us step by step. If we can do it, any one can. Thanks for the speedy, easy process.

    Zoe A.
    $56Kloan amount received

    Extremely fast and easy. I was traveling while going through my application process and the entire process was smooth. I got immediate approval.

    Logan F.
    $39Kloan amount received
    Check my rate — no credit impact
    Check my rate
    Apply in 60 seconds