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

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Small personal loans: $1,000 or less

Small loans are where costs climb fastest: a flat fee or a high APR weighs more on a small balance. Compare the total cost, not just the monthly payment.

13 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

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

LendingPoint

Online lender

APR
7.99% to 35.99%
Loan amounts
$1,000 to $36,500
Origination fee
Varies
  • Loans of $1,000 or less
See details

Mariner Finance

Online lender

APR
15.99% to 35.99%
Loan amounts
$1,000 to $25,000
Origination fee
Varies
  • Loans of $1,000 or less
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

Oportun

Online lender

APR
Up to 36.00%
Loan amounts
$300 to $10,000
Origination fee
Varies
  • For fair or bad credit
  • Loans of $1,000 or less
See details

OppLoans

Online lender

APR
Up to 195.00%
Loan amounts
$500 to $5,000
Origination fee
None
  • No origination fee
  • For fair or bad credit
  • Same-day funding
  • Loans of $1,000 or less
  • APR above 36%
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

U.S. Bank

Bank

APR
9.24% to 24.99%
Loan amounts
$1,000 to $50,000
Origination fee
None
  • No origination fee
  • Banks
  • Same-day funding
  • Loans of $1,000 or less
See details

Universal Credit

Online lender

APR
11.69% to 35.99%
Loan amounts
$1,000 to $50,000
Origination fee
5.25%-9.99%
  • Loans of $1,000 or less
See details

Upgrade

Online lender

APR
7.74% to 35.99%
Loan amounts
$1,000 to $50,000
Origination fee
1.85%-9.99%
  • Loans of $1,000 or less
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

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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.

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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.