Skip to content
Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

Advertiser disclosure: some links on this page earn us a commission. It never changes what we publish, and it costs you nothing. How we make money

Large personal loans: $75,000 or more

Only some lenders go above $50,000, and the largest amounts usually require strong credit and income.

11 lenders. Rates and terms checked on each lender's website on October 16, 2026. For reference, the Federal Reserve's average 24-month personal loan rate at commercial banks was 11.90% (August 2026).

Alliant Credit Union

Credit union

APR
From 9.49%
Loan amounts
$1,000 to $100,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Same-day funding
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

BHG Financial

Online lender

APR
6.49% to 28.89%
Loan amounts
Up to $250,000
Origination fee
Varies
  • Loans of $75,000 or more
See details

Happen Bank

Bank

APR
5.96% to 35.99%
Loan amounts
$1,000 to $75,000
Origination fee
0.00% to 8.00%
  • Banks
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

LightStream

Online lender

APR
9.99% to 25.44%
Loan amounts
$5,000 to $100,000
Origination fee
None
  • No origination fee
  • Same-day funding
  • Loans of $75,000 or more
See details

Navy Federal Credit Union

Credit union

APR
8.74% to 18.00%
Loan amounts
$250 to $150,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Same-day funding
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

Patelco Credit Union

Credit union

APR
6.99% to 17.90%
Loan amounts
$300 to $100,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

Rocket Loans

Online lender

APR
7.99% to 29.99%
Loan amounts
$2,000 to $75,000
Origination fee
Up to 9.99%
  • Same-day funding
  • Loans of $75,000 or more
See details

SoFi

Online lender

APR
6.99% to 35.49%
Loan amounts
$5,000 to $100,000
Origination fee
0%-7%
  • Same-day funding
  • Loans of $75,000 or more
See details

Upstart

Online lender

APR
6.30% to 35.99%
Loan amounts
$1,000 to $75,000
Origination fee
Varies
  • For fair or bad credit
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

USAA

Bank

APR
From 9.99%
Loan amounts
$2,500 to $100,000
Origination fee
Varies
  • Banks
  • Loans of $75,000 or more
See details

Wells Fargo

Bank

APR
6.74% to 26.74%
Loan amounts
$3,000 to $100,000
Origination fee
Not stated
  • Banks
  • Same-day funding
  • Loans of $75,000 or more
See details

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

How we make money

Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

What we are not

Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.