Personal Loans
Fast and competitive personal loans.
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◀ Easy Fixed Rate Loans
We have a personal loan type to meet your specific requirements.
Debt Consolidation
Consolidate your high-interest personal and credit card debt into one low-interest loan amount, a lower payment, or a longer time to repay. This can significantly reduce your monthly payments and save you money over time.
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Home Improvement
From the repairs to remodeling the home of your dreams without breaking the bank. Charter Funding can connect you to lenders who will fund anything you can dream up to do to your home.
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Special Event
Plan a wedding or vacation like you've always wanted. A Charter Funding personal loan for your perfect occasion. Experience a fast and simple online process. Plan memorable family events and craft memories that last forever.
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Major Purchase
A personal loan from Charter Funding can help you make a major purchase. Think about a new car? A Charter Funding personal loan will help make it a reality! Find an easy online application process at Charter Funding. Apply now to get the funds you want in as fast as 24 hours.
Check my rateA path that's easy to follow
A simple, straightforward path from start to finish.
Check Your Rate
Tell us a little about yourself so we can aim to find a qualifying rate.
Choose Your Plan
You choose the plan that works best for you from the options our trusted partners offer.
Receive Your Funds
Your money could be deposited into your account in as little as 24 hours.
We're committed to fast, on us, and accessible personal loans for our customers. Your money could be deposited into your account in as little as 24 hours.
Check ratePersonal Loan Questions
How much can I borrow with a personal loan?
Loan amounts vary by lender and depend on your credit profile, income, and the offers available in our network. Check your rate to see the specific amounts you're eligible for, with no impact to your credit score.
Will checking my rate affect my credit score?
No. Checking your rate uses a soft credit pull, which does not affect your credit score. A hard inquiry only happens if you choose to move forward with a full application.
How fast can I get funded?
Funding timelines vary by lender, but many borrowers see funds deposited in as little as 24 hours after accepting an offer and completing verification.
Do I need good credit to qualify?
Not necessarily. We work with a network of lenders that consider a range of credit profiles, though your credit score does affect the rate and terms you're offered.
What can I use a personal loan for?
Common uses include debt consolidation, home improvement, major purchases, and planned expenses like a wedding or move — most personal loans give you flexibility in how you use the funds.