Capital One Personal Loan Alternatives

Capital One does not provide personal loans, but other lenders may offer alternatives.
Amrita JayakumarJun 18, 2021

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Capital One does not currently offer unsecured personal loans. You can get a personal loan from other lenders, including other banks, credit unions and .

and  are two banks that offer personal loans. To qualify, you must be a bank customer and meet minimum credit and income requirements.

Snapshot of a typical bank-issued personal loan:

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Online lenders cater to all kinds of credit profiles and most give you estimated rates without a hard inquiry on your credit. You can complete the application process online, and sometimes receive your funds within a day.

It pays to compare rates from multiple online lenders because companies use different formulas to set their rates. NerdWallet’s lets you check rates without affecting your credit.

Snapshot of a typical online personal loan:


Here are three online lenders to consider as alternatives to Capital One. NerdWallet recommends  for multiple loans to compare rates.

Local credit unions typically offer lower rates and more flexible terms than traditional banks or online lenders and do not require good credit to qualify. NerdWallet recommends a local credit union as a good first choice for a personal loan.

Snapshot of a typical credit union personal loan:

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 offers other types of loans, including:

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