Your APR will be between 7.99% and 24.99% based on creditworthiness at time of application for amounts between $2,500-$40,000 and loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 12.99% APR for a term of 72 months, you'll pay just $301 per month.

You must have a minimum individual or household annual income of $25,000, be over 18 years of age, and have a valid US SSN to be considered for a Coastal finance personal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements.

Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select. State restrictions may apply.

For debt consolidation, even with a lower interest rate or lower monthly payment, paying debt over a longer period of time may result in the payment of more in interest. A Coastal finance personal loan is intended for personal use and cannot be used to directly pay any Capital One account (including any Coastal finance or Capital One credit card), secured loan, or post-secondary education loan or expense.

If your application is approved, we will send funds after you accept the loan. Your bank or creditor may take more days to process the funds

After you check your rate, if you move forward with an application for a new Coastal finance personal loan, you will need to consent to a hard credit inquiry that will appear on your credit report.