To help lead Delaware residents in a money-saving direction, WalletHub’s editors have selected several good personal loan options, including offers from our partners, that are available to people in Delaware.
Popular Personal Loans in Delaware
- Quick Approval: Best Egg
- Bad Credit: LendingPoint
- Fair Credit: Upgrade Personal Loan
- Long-Term Loans: Discover
- Low Rates: Louviers Federal Credit Union
The average credit score in Delaware is 676, and getting a personal loan without an origination fee requires a score of at least 660. That means the average Delaware resident has a good chance to qualify for a personal loan with a $0 origination fee. Personal loans with origination fees have score requirements between 580 and 660, so they’re easier to get.
Below, you can compare personal loan offers in Delaware from our partners. It’s also a good idea to use WalletHub’s free personal loan pre-qualification tool to get a better sense of your approval odds and potential APRs with various lenders.
- Excellent Credit
- Good Credit
- Fair Credit
- Bad Credit
- No Credit/Limited History
- Any
- 1 day
- 3 days or less
- 7 days or less
SoFi $5,000 Loan • 36 Months
- Loans between $5k - $100k, state restrictions apply¹
- 3, 4, 5, 6, or 7 year repayment terms
- No fees required
- Personal loans can be used for a variety of reasons, like paying off credit card debt and investing in home improvements
- Additional state restrictions may apply regarding maximum interest rates and minimum loan amounts. See SoFi.com/eligibility for more state eligibility details. Information as of July 2022 and subject to change.
Fixed rates from 8.99% APR to 23.43% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 03/06/23 and are subject to change without notice. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.
Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.
Axos $5,000 Loan • 60 Months
Axos $5,000 Loan • 36 Months
LendingPoint $5,000 Loan • 60 Months
- Minimum FICO credit score required: 620
- Minimum gross income required: $20,000
- Minimum credit history: None
- Maximum debt-to-income ratio: Less than 50%, not including mortgage
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 8% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.90% and origination fee of 8% will have a payment of $331.01 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
Happy Money $5,000 Loan • 60 Months
- The only personal loan with added peace of mind to cover your monthly loan payment (Loan Payment Insurance) for up to 3 months due to job loss or disability – continuing to reduce your principal balance on every Happy Money loan
- Quickly check your rate without affecting your credit score
- No prepayment, late, or check-processing fees
APR (est) includes a discount ranging from .25 – 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements
Happy Money $5,000 Loan • 36 Months
- The only personal loan with added peace of mind to cover your monthly loan payment (Loan Payment Insurance) for up to 3 months due to job loss or disability – continuing to reduce your principal balance on every Happy Money loan
- Quickly check your rate without affecting your credit score
- No prepayment, late, or check-processing fees
APR (est) includes a discount ranging from .25 – 1.00% based on credit quality, term, and use of loan proceeds. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements
Universal Credit $5,000 Loan • 36 Months
- Fixed rates and payments with a clear pay off date.
- Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
- Fast Funding. Money is sent to your bank account within a day of clearing any verifications.
- Automatic payments and ability to customize the due date: manage your account online or via the mobile app.
- No prepayment penalties.
- Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit.
*Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.93%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit's bank partners. Information on Universal Credit's bank partners can be found at https://www.universal-credit.com/bank-partners/.
Upgrade Personal Loan $5,000 Loan • 60 Months
- Fixed rates and payments with a clear pay off date
- Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline
- Automatic payments and ability to customize the due date: manage your account online or via the mobile app
- No prepayment penalties
- Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit
**Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.
**Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.97%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.
Upgrade Personal Loan $5,000 Loan • 36 Months
- Fixed rates and payments with a clear pay off date
- Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline
- Automatic payments and ability to customize the due date: manage your account online or via the mobile app
- No prepayment penalties
- Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit
**Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.
**Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.97%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.
The best personal loans in Delaware are from LightStream, whose loans are available nationwide and have APRs ranging from 
