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Income-focused personal loans

Income-based personal loans

5 stars
4.9 out of 5Excellent

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 46 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

*Don't worry - you can adjust your terms laterThis calculator is provided for illustrative purposes only.

Pennie Financial in the News

See why our clients love us

  • Team

  • Service

  • Process

Our Team1,569 reviews
Our Service1,084 reviews
Our Process900 reviews
Our Team1,569 reviews
Our Service1,084 reviews
Our Process900 reviews
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What to know before you apply

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  • Share a few details about your loan request

    A 60-second application with no impact to your credit score. Pennie's platform matches you with financial partners based on your income and financial profile.

  • Get matched with available loan offers

    Pennie's industry-leading network of 1,000+ exclusive financial partners reviews your profile and returns pre-approved and pre-qualified personal loan offers in minutes — with no impact to your credit score.

  • Compare your offers and move forward

    Review personal loan offers side by side — rates, terms, and monthly payments — and move forward only with the offer that works best for you. No pressure, no obligation.

  • 01
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    Join over 46 million people who have been funded
    • $250kBorrow up to
    • 12 yearsAt terms up to
    • 5.99%With APR starting at

    Millions of dollars funded for everycredit scoreincome range

    • By credit score

    • By income range

      Check my rate — no credit impact
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      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
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      Apply in 60 seconds