The interest rate on a $35,000 loan from a major lender could be anywhere from 7.49% to 35.99%. It’s difficult to pinpoint the exact interest rate that you’ll get for a $35,000 loan since lenders take many factors into account when calculating your interest rate, such as your credit score and income. If you have a high credit score and income, you will likely get a low interest rate on a $35,000 loan.
LightStream has the lowest interest rates for a $35,000 loan, starting at $5,000. LightStream isn’t your only option, though. Below you can see the best $35,000 personal loans and the interest rates associated with them.
Best $35,000 Personal Loans
| Company | Loan Amounts | APRs |
| $5,000 - $100,000 | 7.49% - 25.99% | |
| $1,000 - $50,000, typically | 6.4% - 35.99%, typically | |
| $2,000 - $50,000 | 8.99% - 35.99% | |
| $5,000 - $100,000 | 8.99% - 29.99% Fixed APR with all discounts | |
| $3,000 - $100,000 | 7.49% - 23.24% |
Some lenders will let you pre-qualify to see your potential rates before you apply. To pre-qualify with multiple lenders at once, check out the free pre-qualification tool on WalletHub.
Upstart Disclosure: Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
The full range of available rates varies by state. A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 21.58% and a 9.84% origination fee of $984, for an APR of 26.82%. In this example, the borrower will receive $9016 and will make 60 monthly payments of $275. APR is calculated based on 5-year rates offered in December 2023. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
This answer was first published on 07/08/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
