Borrow smart at 7.99% APR.

$1,000 to $50,000 in one fixed-rate loan, with one predictable monthly payment. No collateral required, no hidden fees, and checking your rate never affects your credit score.

Check your rate
7.99%Starting APR
$1K–$50KLoan amount
60sTo check your rate
Personal Loan
36-month term · 11.99% APR
Loan amount
$15,000
▲ Funded in 1 business day
Rate lockedFixed for the life of the loan
Monthly payment
$498.21 · Due on the 1st
No prepayment penalty
Pay it off early, anytime
No collateral needed
Unsecured, based on your credit
Funded in 1 dayOnce approved
Soft credit checkTo see your rate
DEBT CONSOLIDATION · ONE PAYMENT

I rolled four credit cards into one fixed payment. Same total debt, half the interest, and I finally know my payoff date.

Built for clarity

A loan that's actually simple.

One rate, one term, one monthly payment — for the life of the loan. No teaser rates, no surprise fees.

Fixed monthly payment

Your rate and payment never change, so budgeting is easy from month one to your final payment.

No collateral

Personal loans are unsecured — no need to put your car, home or savings on the line.

Funded fast

Get a decision in minutes and funds deposited directly to your account as soon as the next business day.

No prepayment penalty

Pay off your balance early anytime and pay less interest overall — we never charge you for it.

Check your rate free

See your real rate and payment with a soft credit check that never affects your credit score.

Use it for anything

Debt consolidation, medical bills, home improvement, a major purchase — it's your money, your call.

Debt consolidation
Home improvement
Auto repair
Medical expenses
Wedding & events
Major purchase
Interactive calculator

See your monthly payment.

Adjust the loan amount and term to see an estimated fixed monthly payment. Your actual rate depends on your credit profile.

Loan amount$15,000
$1,000$50,000
Loan term36 months
12 months60 months
Estimated monthly payment
$498
At an estimated 11.99% APR over 36 months.
Total interest
$2,935
Total repayment
$17,935
Protection

Borrow with confidence.

Every FutureBank personal loan comes with a fixed rate for the life of the loan and full transparency on fees — before you ever apply.

Soft credit checkChecking your rate never affects your score.
Fixed rate, alwaysYour APR never changes once you're approved.
No origination feeKeep 100% of what you borrow — no fees deducted.
Bank-grade encryptionYour application data is encrypted end-to-end.
FAQ

Personal loans, explained.

Will checking my rate hurt my credit?
No. Checking your rate uses a soft credit inquiry, which never affects your credit score. A hard inquiry only happens if you formally accept a loan offer.
How fast do I get the money?
Most applicants get a decision in minutes. Once approved and you accept your offer, funds are typically deposited into your account as soon as the next business day.
What's the difference between interest rate and APR?
Your interest rate is the cost of borrowing, expressed as a percentage. APR (Annual Percentage Rate) includes any additional fees, giving you the true annual cost — we don't charge origination fees, so ours are the same.
Can I pay off my loan early?
Yes, anytime. There's no prepayment penalty, and paying early reduces the total interest you pay over the life of the loan.
What credit score do I need to qualify?
We consider your full financial picture, not just your score, but most approved applicants have a credit score of 640 or higher. Checking your rate shows your real offer, with no obligation.
What happens if I miss a payment?
Contact us as soon as possible — we offer hardship options including short-term deferment. Late payments may be reported to credit bureaus and can affect your score.
DEBT-FREE JOURNEY Priya Nair
Priya Nair
Consolidated $22K in credit card debt · Austin
I went from juggling four minimum payments to one fixed bill at half the interest. I can finally see my payoff date on a calendar.
Priya NairAustin · Borrowing with FutureBank since 2024
Not sure how much to borrow?Ask our AI to help you compare loan amounts, terms and estimated payments.
Apply in minutes

Ready to apply?

Check your rate with no impact to your credit score, and get funded as soon as the next business day.

Starting APR7.99%
Loan amount$1K–$50K
Funding time1 business day
Credit impact to checkNone