One Capital One Personal Loan Options

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Capital One Personal Loan Alternatives
Capital One does not provide personal loans however, other lenders may offer alternatives.


Last updated on Jun 18, 2021.

Many or all of the products featured here are provided by our partners who pay us. This affects the products we feature and the location and manner in which the product is featured on a page. But, it doesn't influence our evaluations. Our opinions are entirely our own. Here's a list of and .



Capital One does not currently provide unsecured personal loans. You can obtain an individual loan from other lenders, such as banks, credit unions and .
Individual loan options to Capital One
Banks
They Two banks offer and offer personal loans. To qualify you must be a bank customer and satisfy the minimum criteria for credit and income.
Snapshot of a typical personal loan:
Credit scores accepted: .
APR range between 5% and 29%.
The loan amount is $1,000 up to $100,000.

>> MORE:
Online lending
Online lenders can accommodate every type of credit profile and most give you estimated rates, without conducting a formal inquiry about your credit. The application procedure online and you will receive your funds in a day.
It is beneficial to compare rates across multiple online lenders because companies use different formulas for setting their rates. NerdWallet allows you to compare rates without impacting your credit.
Snapshot of a typical personal online loan:
Credit score accepted: low to excellent.
APR range: 6% to 36%.
Amounts of loans: from $1,000 to $100,000.

>> MORE:
See if you pre-qualify for a personal loan - without affecting your credit score
Answer a few simple questions to receive customized rate estimates from several lenders.



Compare personal loans
Here are three online lenders you should think about for alternatives for Capital One. NerdWallet recommends for several loans to compare rates.
The ratings of NerdWallet are based on the opinions of the editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score fees and rates as well as the customer's experience and responsible lending practices.


NerdWallet's ratings are determined by the team of editors. The scoring formula is based on the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees customers' experience, and ethical lending practices.


NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.


Est. APR 6.99-24.99 Percentage

Est. APR 6.99-23.99 percent

Est. APR 7.99-23.43%

Loan term 3 to 6 years

A loan term ranging from 2 to 7 year s

A loan term ranging from between 2 and 7 years

Amount of loan $3,500-$40,000

Loan amount $5,000-$100,00 0

Amount of loan: $5,000-$100,000.

Min. credit score 740

Min. credit score 660

Min. credit score None






Credit unions
Local credit unions typically have lower rates and flexibility than banks or online lenders. They don't require good credit to qualify. NerdWallet suggests the community credit union for a great option for a first loan.
Photo of a typical union personal loan:
Accepted credit score: poor to excellent.
APR range: Average 8.86% at federal credit unions for a 3 year loan.
The loan amount is $250 up to $50,000.

>> MORE:
Other types of Capital One loans
There are other kinds of loans that include:



About the writer: Amrita Jayakumar is a former writer for NerdWallet. She has previously worked for The Washington Post and the Miami Herald.







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