How to Get a Personal Loan Without Collateral in 2025
How to Get a Personal Loan Without Collateral in 2025 Need extra cash but don’t have assets to pledge? In 2025, it’s entirely possible to get a personal loan without collateral—even if your credit isn’t perfect. These are called unsecured personal loans , and they’re a great solution for emergencies, debt consolidation, or major purchases. What Is an Unsecured Personal Loan? Unlike secured loans (which require assets like a car or home), unsecured loans rely on your creditworthiness. That means the lender doesn’t require collateral—but may charge higher interest or require a better credit score. Who Can Qualify in 2025? Qualification depends on a few key factors: Your credit score (typically 580+ is the minimum) Debt-to-income ratio Stable income and employment history Length of credit history Top Lenders Offering No-Collateral Loans in 2025 1. Upstart Accepts fair credit (580+) AI-powered approval process Loans from $1,000 to $50,000 2. Len...