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APR
8.5–11.5%
/yr
Amount
$25k–$500k
Term
60–360mo
Requirements
  • Homeowner with sufficient equity
  • US resident (not available in NY, HI, UT)
  • Property appraisal required
PenFed Credit Union
APR
4.14–17.99%
/yr
Amount
$500–$100k
Term
12–84mo
Requirements
  • PenFed membership (open to all)
  • US resident
  • Aged 18+
Sallie Mae
APR
2.99–16.38%
/yr
Amount
$1k–$200k
Term
60–180mo
Requirements
  • US citizen or permanent resident (international students may apply with eligible cosigner)
  • Age 18+
  • Valid SSN
APR
7.74–35.49%
/yr
Amount
$5k–$100k
Term
24–84mo
Requirements
  • Minimum credit score 680
  • US citizen or permanent resident
  • Employed or have regular income
SoFi
APR
7.74–35.49%
/yr
Amount
$5k–$100k
Term
24–84mo
Requirements
  • US citizen or permanent resident (or valid visa holder)
  • Age 18+
  • Valid SSN
APR
4.49–8.89%
/yr
Amount
$5k–$300k
Term
60–240mo
Requirements
  • US citizen or permanent resident
  • Degree from accredited institution
  • Minimum annual income $36,000
Rocket Mortgage
APR
6.875–7.148%
/yr
Amount
$50k–$3M
Term
180–360mo
Requirements
  • US citizen or permanent resident
  • Valid employment and income documentation
  • Minimum credit score applies
DCU (Digital Federal Credit Union)
APR
5.24–18.0%
/yr
Amount
$500–$150k
Term
12–84mo
Requirements
  • US resident
  • DCU membership (free to join)
  • Valid SSN

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