Personalized loan offers
For all financial situations regardless of credit score or income
Get loan offers
Personal loans made easy
Apply online, get instant offers, and receive your funds. It's that simple!
We never sell your information
No credit impact
How much are you looking to borrow?
$0/moPayment
84Months
7.99%Interest rate
Apply in 60 seconds
This calculator is provided for illustrative purposes only.
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
$100K
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
7 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
By credit score
By income range
2024
A few stats from our best year yet
Total loan offers made through our platform
63M+
Total customers funded through our platform
14M+
Total credit products through our platform
$1.9B+
Get loan offers in as little as 60 seconds
You deserve options. So we built an industry leading platform to compete for your business.
Loans up to $100,000
APR starting at 5.99%
Repayment terms up to 7 years
Your info is never sold
No matter what your needs, Pennie has you covered
How to get started?
- 1
Tell us what you need
Enter your loan request information. - 2
Share some details
Build a basic profile and sit back. - 3
Let us find your match
Our matching algorithm takes it from here. - 4
That's it. Compare and get funded
Receive your funds as soon as the next day.
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
7 Years
Get the funds you need, when you need them
Borrow up to
$100,000
Learn more about Pennie
Answers to common questions
Our personal loan product allows you to borrow up to $100,000.
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.