Grace Enfield, Content Writer
@grace_enfield
The smallest personal loan you can get is $250 from Navy Federal Credit Union. The company has an APR range of 8.99% - 18%, repayment periods of Up to 60 months (up to 180 for home improvement) and an origination fee of 0%. You do have to be part of the military community to qualify, though.
The minimum loan amount available from most other major loan providers ranges from $300 to $3,500. You might be able to find loan offers for $250 or less from some smaller companies, but we don’t recommend them because they tend to have very high interest rates and fees.
Smallest Personal Loans You Can Get in 2025
- Navy Federal Credit Union: Loans starting at $250
- Oportun: Loans starting at $300
- NetCredit: Loans starting at $1,000
- OppLoans: Loans starting at $500
- RISE: Loans starting at $300
- Integra Credit: Loans starting at $500
- Jora Credit: Loans starting at $500
- Plain Green: Loans starting at $200
- PenFed Credit Union: Loans starting at $500
- LendingClub: Loans starting at $1,000
To see more of the top-ranked offers, check out WalletHub’s complete picks for the best small personal loans.
If you're having trouble finding a small enough loan from a major loan provider, you should look into alternatives. Using a credit card or getting a loan from a friend or family member may be a better option for you.
People also ask
Where can I get a 500 dollar loan?
The best places to get a $500 loan are local credit unions or friends and family. A credit card is another good option for borrowing $500 for personal reasons. Credit cards with $500+ credit limits are usually available to people with good credit or better (though people with fair credit might have a chance). Unfortunately, the most popular and best-rated lenders on the market don’t offer personal loans below $1,000. And many of them won’t...
read full answer by Adam McCann, Financial WriterCan you get a personal loan for less than $1,000?
Yes, you can get a personal loan for less than $1,000 from select credit unions and online lenders. The best lender for personal loans under $1,000 is Navy Federal Credit Union because it offers loans starting at $250 with APRs of 8.99% - 18% and repayment periods of Up to 60 months (up to 180 for home improvement). To qualify for a loan, you must be a member of the credit union, which is open to active and former military members and their family.
Navy Federal Credit Union isn’t the only reputable...
read full answer by Grace Enfield, Content WriterWhere can I borrow a small amount of money?
You can borrow a small amount of money from banks, credit unions or online lenders, some of which offer as little as $250. Other options include getting a paycheck advance from a service such as Dave or Earnin, or getting a loan from a trusted friend or family member.
Payday loans and auto title loans can offer small amounts of money, as well. However, these loans often have expensive fees and very short repayment...
read full answer by Grace Enfield, Content WriterDid we answer your question?
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