Rocket Loans – Personal Loan
Rocket Loans, part of the Rocket Companies family, offers fast online personal loans up to $45,000 with same-day funding for qualified borrowers.
Applying does not obligate you to accept a loan offer.
Rocket Loans Personal Loan – Review 2026
Rocket Loans is the personal loan brand of Rocket Companies, the parent of Rocket Mortgage and one of the largest US fintech groups. Loans are originated through Cross River Bank and can be funded the same day the application is approved.
Loan Range
Loans run from $2,000 to $45,000 with fixed terms of 36 or 60 months. APRs typically range from 9.12% to 29.99%. An origination fee from 1% to 9% applies and is deducted from the loan proceeds.
Who It Fits
Rocket Loans works well for borrowers with good or fair credit who want fast funding and a familiar brand. Pre-qualification uses a soft credit check that does not impact your score.
✓ Pros
- Fast funding
- Pre-qualify without hard pull
- Strong customer support
- Fixed monthly payments
✗ Cons
- Origination fee 1%-9%
- Only 3 or 5-year terms
- Not available in all states
Loan Example
Example: $15,000 loan for 36 months at 14.99% APR with 6% origination fee = monthly payment of $519.59, total payable $18,705.24.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US citizen or permanent resident
- ✓ FICO 640+
- ✓ Annual income $24,000+
- ✓ Valid US bank account
Loan Features
- Same-day funding
- Loans up to $45,000
- Pre-qualification with soft pull
- Fixed-rate loans
- Trusted Rocket brand
Frequently Asked Questions
Same day after submitting your application.
The minimum amount at Rocket Loans is $2,000 USD.