Personalized loan offers
For all financial situations regardless of credit score or income
Get loan offersYou'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
Personalized loan offers
For all financial situations regardless of credit score or income
Get loan offersSave 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
Apply online, get instant offers, and receive your funds. It's that simple!
We never sell your information
No credit impact
$0/moPayment
84Months
7.99%Interest rate
Apply in 60 seconds
This calculator is provided for illustrative purposes only.
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.