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Last updated: May 2026How we rate

Best $100,000 Personal Loans for Fair Credit

Lenders that fund $100,000 at fair credit.

Loan amount narrows the field of lenders — not every lender funds every size. The list below is filtered to lenders whose published amount range includes $100,000 and whose credit floor accepts fair. Pre-qualify with the soft credit pull to see your actual offer.

Are you eligible for a better rate?

1
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Alpha Lending (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

2
Theta Loans logo
Best for Lowest APR
Theta Loans951 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Theta Loans (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

3
Beta Financial logo
Best for Fast funding
Beta Financial1,363 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Beta Financial (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

4
Eta Lending logo
Best for Bad credit
Eta Lending1,775 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Eta Lending (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

5
Gamma Bank logo
Best for Large loans
Gamma Bank2,187 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Gamma Bank (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

6
Epsilon Direct logo
Best for Customer service
Epsilon Direct2,599 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Epsilon Direct (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

7
Iota Mortgage logo
Best for Soft credit pull
Iota Mortgage3,011 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Iota Mortgage (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

8
Zeta Capital logo
Best for No origination fee
Zeta Capital3,423 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Zeta Capital (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

9
Kappa Trust logo
Best for Repeat borrowers
Kappa Trust3,835 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Kappa Trust (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

10
Delta CU logo
Best for Branch network
Delta CU4,247 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Delta CU (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

Our Top Choice

Most Popular on comparebankloans
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Alpha Lending (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate

Frequently asked questions

  • What APR can I expect on a $100,000 personal loans?
    APRs at this loan size depend mostly on credit profile. The lenders above show their disclosed APR ranges; pre-qualifying with two or three lenders is the fastest way to see real offers for your situation.
  • What's the typical monthly payment?
    Payment varies with term length. A $100,000 loan at 12% APR runs roughly $2,220/month on a 60-month term, or $1,670/month on a 84-month term — but check the calculator for exact numbers.
  • Are there fees on a $100,000 personal loans?
    Most personal lenders charge an origination fee of 0-8% of the loan amount, deducted from disbursement. On a $100,000 loan that's $0 to $8,000 taken off the top. Check the origination fee column in the comparison above.