Pennie: Personal loans | Over 32 million clients funded

Better rates, no fees, personalized loans offers in 60 seconds

You're more than your credit score - our clients are evaluated using multiple factors to get you the best rates and terms

Fast funds
Up to
$250K
Fast funds
Our application takes less than 60 seconds and you can receive funds as soon as the next business day.
Fixed payments
Up to
10 Years
Fixed payments
No surprises. Save big by converting high-rate debt into one fixed payment.
No credit minimum
APR starting at
5.99%
No credit minimum
You're more than a number - get exclusive offers regardless of credit score or income.

Millions of dollars funded for everycredit scoreincome range

2024

A few stats from our best year yet

Get loan offers in as little as 60 seconds

You deserve options. So we built an industry leading platform to compete for your business.

Your info is never sold

Personalized loan offers

For all financial situations regardless of credit score or income

Save thousands with a single fixed-rate payment

Starting at

5.99%

Loan terms that can flex with all of life's demands

Terms up to

10 Years

Get the funds you need, when you need them

Borrow up to

$250,000

Answers to common questions

Our personal loan product allows you to borrow up to $250,000.
No - Pennie's application does not impact your credit score. After completing the form, and with your consent, a "soft-pull" may be run on your credit. This has no impact on a consumer’s credit score. The “soft check” is used to help get you real-time personalized pre-qualified offers.
Loans may be funded as soon as the next business day.
Our platform funds over $1 billion in credit products annually. We pride ourselves on providing the only financial marketplace built for everyone regardless of credit score or income.