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Personal loan rates starting from 5.49% APR

GET UP TO $15,000
as soon as tomorrow!
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Are you paying a high interest on your credit cards? Bonsai Finance can help you save thousands. With low personal loan interest rates and a fixed monthly payment, you can get loans to pay off credit cards, pay off high interest debt, or make a major purchase. It only takes minutes to apply.


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Serious Savings

Borrow from $1k-$15k at fixed rates that start at 5.49% APR
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Simple online application 7 days a week.
Get approved today. Receive money in your account as soon as the next business day!
Why a Personal Loan?
If you have a goal or project to accomplish and are looking for sources of cash, you’ve probably already considered the typical sources: credit cards, loans from friends and family, home equity loans and the like. But there is another option you might not have thought of – personal loans.

What is a personal loan?

A personal loan is a type of loan that involves borrowing a set amount of money and paying the creditor off with interest in a structured payoff schedule. Unlike mortgages or auto loans, personal loans aren’t earmarked for a specific purpose – you could theoretically take out a personal loan for any reason you want.
Personal loans are installment loans; if you’re approved, you’ll receive a lump sum of cash up front, then you’ll be expected to repay it in fixed amounts on a monthly basis until the loan’s term is up.
Because personal loans are unsecured, their interest rates are typically higher than secured loans. However, their rates are generally lower than most credit cards.

Reasons for getting a personal loan

One of the great things about personal loans is that they offer a lot of flexibility. You’ll have a lot of leeway in what you can use the funds for. Some common reasons for getting a personal loan are:
  • Consolidating or refinancing high-interest debt.
  • Making a large purchase (such as an appliance or electronic device).
  • Taking a vacation.
  • Making a home improvement.
  • Paying for a medical procedure or expense.
  • Paying for a wedding or engagement ring.


  • No. Our service is 100% free!

  • No. Lenders do verify credit scores, but only with a soft credit check. That’s why we’re here. We’ll provide the best loan option to fit your current situation without wasting your time with lenders we know will not approve.

  • You must meet the following underwriting criteria to be approved for a loan:
    • You are at least 18 years old. (19 in Alabama.)
    • You are NOT an active duty service member or a Dependent of an active duty service member.
    • You are employed and have been working for your current employer for at least 3 months.
    • You have a traditional bank account in your name with 90 days of history.
    • You receive your paychecks through direct deposit.

  • Typically, your personal loan will be deposited in your account as soon as the next business day once your application is approved.


Bringing clarity to an increasingly confusing personal finance world.

Bonsai Finance helps you improve your financial situation over time by being the one-stop shop for all your financial needs.

Disclaimers: The owner/operator of this website is not a lender and does not provide loans or make credit decisions. This website offers a service that attempts to connect potential borrowers with a loan offer. Loan amounts, rates, and terms will vary, and approval is not guaranteed. Loans may not be available in all states. By submitting your information through this site, you consent to having it shared with financial service providers and/or other third parties for the purpose of facilitating your request. BonsaiFinance strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding.

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