One Capital One Personal Loan Options

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


Updated on June 18th 2021

Many or all of the products featured here are provided by our partners, who pay us. This influences which products we review and where and how the product is featured on a page. But this doesn't influence our opinions. Our views are our own. Here is a list of and .



Capital One does not currently offer unsecured personal loans. It is possible to get an individual loan from other lenders, like banks, credit unions and .
Individual loan options to Capital One
Banks
and are two banks that provide personal loans. To be eligible, it is necessary to be bank customer and meet the minimum requirements for income and credit.
Photo of a typical, personal loan:
Credit scores accepted: .
APR range from 5% to 29%.
The loan amount is $1,000 up to $100,000.

>> MORE:
Online lending
Online lenders cater to all types of credit profiles and most give you estimated rates without a hard inquiry about your credit. The application process online, and sometimes receive your funds within one day.
It's beneficial to compare rates from multiple online lenders, as they employ different formulas to determine their rates. NerdWallet allows you to compare rates without impacting your credit.
Photo of a typical online personal loan:
Credit score accepted: poor to excellent.
APR range between 6% and 36 percent.
Amounts of loans: from $1,000 to $100,000.

>> MORE:
See if you pre-qualify for an individual loan without impacting your credit score
Simply answer a few questions to get an estimate of your personal rate from a variety of lenders.



Compare personal loans
There are three online lenders that you can look into as alternatives for Capital One. NerdWallet recommends multiple loans to compare rates.
The NerdWallet ratings are decided by our team of editors. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit scores, rates and fees, customer experience and responsible lending practices.


NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.


The ratings of NerdWallet are based on the opinions of our team of editors. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and ethical lending practices.


Est. APR 6.99-24.99%

Est. APR 6.99-23.99 %

Est. APR 7.99-23.43 percent

A loan term of 3-to-6 years

A loan term ranging from 2-7 years

The loan term is between 2 and 7 years

Loan amount $3,500-$40,000

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

Loan amount $5,000-$100,000

Min. credit score 740

Min. credit score 660

Min. credit score None






Credit unions
Local credit unions generally have lower rates and more flexible terms than traditional banks and online lenders and do not require a high credit score to qualify. NerdWallet suggests the community credit union for a suitable first option for a personal loan.
Snapshot of a typical credit union personal loan:
Accepted credit score: poor to excellent.
APR range APR range: Average 8.86% at Federal credit unions, for a 3 year loan.
Loan amounts: $250 to $50,000.

>> MORE :
Other types of Capital One loans
There are other kinds of loans, including:



About the author: Amrita Jayakumar is a former writer at NerdWallet. She was previously employed by The Washington Post and the Miami Herald.







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