Core Financial Funds
Checking your rate won't affect your credit score

Borrow with a steady hand.

Fixed-rate personal loans from $2,000 to $500,000. Fill in the form, see a real estimate, and get a decision the same day.

2.5%
Representative APR
60 sec
To your estimate
Loan Application Form
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Bank-level 256-bit encryption · No hard credit check

Application received

Thanks, there — a loan specialist will email your personalized rate shortly.

Reference: AZ-000000
★ ★ ★ ★ ★  4.8/5 from 12,400 reviews
$1.2B+ funded to date
640+ minimum credit score
Funds as soon as the next business day
// The process

Three steps, no paperwork mountain.

Check, choose, and get funded — with a soft credit check that keeps your score untouched until you accept.

01

Check your rate

Fill in the form and see your estimated APR in about a minute. It's a soft pull with no effect on your credit score.

02

Choose your terms

Pick the amount and term that fit your budget. Your monthly payment is fixed for the life of the loan.

03

Get funded

Accept your offer and verify your details. Approved funds can land as soon as the next business day.

// Representative rates

Fixed rates you can plan around.

Your actual rate depends on your credit profile and term. Here's a $10,000 loan across terms.

Term
APR from
Est. / month
24 months
8.9%
$456
36 months
9.9%
$322
48 months
11.4%
$260
60 months
12.9%
$227
// Why Core Financial Funds

Built to be the dependable part of your finances.

No hidden fees

No origination fees, no prepayment penalties. The rate you see is the rate you pay.

Fast decisions

Most applicants get a decision the same day, with funds shortly after approval.

Fixed for life

Your rate and payment never change. Budget with certainty from first month to last.

Real support

Talk to a human loan specialist by phone or chat, seven days a week.

// From our borrowers

People who found their footing.

★ ★ ★ ★ ★
“I consolidated three cards into one Core Financial Funds loan. Same payment date every month and a rate that never moves.”
Marcus D.
Marcus D.
Consolidated $18,400 · Denver
★ ★ ★ ★ ★
“The form took two minutes and I had a real rate before lunch. No surprise fees when the money arrived.”
Hannah L.
Hannah L.
Home project · $12,000 · Seattle
★ ★ ★ ★ ★
“Funded the next business day. Being able to see the fixed monthly payment upfront made the decision easy.”
Thomas R.
Thomas R.
Major purchase · $8,500 · Boston
// Questions

Answers before you apply.

Will checking my rate hurt my credit? +

No. Checking your rate uses a soft inquiry that other lenders can't see and that has no effect on your score. A hard inquiry only happens if you accept an offer and move forward.

How much can I borrow? +

Personal loans range from $2,000 to $50,000. The amount you qualify for depends on your income, credit history, and existing debts.

How fast will I get my money? +

Once you accept your offer and pass verification, approved funds are typically deposited as soon as the next business day, though timing can vary by bank.

What do I need to qualify? +

You'll need to be a legal resident, at least 18, with verifiable income and a bank account. A minimum credit score of 640 applies to most products.

Are there any fees? +

No origination fees and no penalties for early payoff. A late fee may apply if a scheduled payment is missed — the exact terms are in your loan agreement before you sign.

// Ready when you are

See your rate without the guesswork.

It takes about a minute and won't touch your credit score.