2025 Laurel Road Personal Loan Review
Laurel Road personal loans offer up to $45,000 in funding, with APRs ranging from 8.99% - 23.25%. It takes a credit score of 660+ to qualify for a Laurel Road personal loan. However, people whose credit scores don’t make the cut can rely on a co-signer with a higher credit score to help them qualify. Another benefit of Laurel Road personal loans is that there is a 0% origination fee.
Laurel Road Personal Loan Review Highlights:
- Laurel Road rates: 8.99% - 23.25%
- Loan amounts: $5,000 - $45,000
- Origination fee: 0%
- Late fee: 5% of payment (min $28)
- Funding time: Up to 7 days
- Time to pay off: 3, 4 or 5 years
- Co-signer policy: Co-signers allowed
- Loan requirements: 660+ credit score, at least 18 years old, U.S. citizen or permanent resident, SSN or an I-551 with 10 years of residency
- BBB rating: Laurel Road is not accredited by the BBB but has an A+ rating. KeyBank, the company that owns Laurel Road, also has an A+ and is accredited. Laurel Road has an average user rating of 4.3/5 on WalletHub.
Laurel Road’s 0% origination fee combined with a low maximum APR make them a good choice for people with a credit score of 660+. The fact that they allow co-signers gives people with lower credit scores a chance to get a loan from Laurel Road, too. If you’re interested in getting a personal loan from Laurel Road, you can see if you’re pre-qualified on the lender’s website.
Finally, it’s useful to note that Laurel Road also offers loans for refinancing existing student loans and buying a home.
Below, you can see how WalletHub rates Laurel Road personal loans in our three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Laurel Road Ratings by Category:
| Category | Editor’s Rating |
|---|---|
| Terms | 4.6/5 |
| Requirements & Application | 3.8/5 |
| Reviews & Transparency | 3.8/5 |
| Overall Score | 12.2/15 |
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
