Annie Millerbernd
Jackie Veling
Kim Lowe
Compare lenders offering personal loans for moving and relocation, whether you have good or bad credit, need fast funding or are looking for a small loan.
This service is free and will not affect your credit score.
Best for Moving loans with fast funding
2025 NerdWallet award winner
6.49 - 24.89%
$5K - $100K
660
2 to 7 years
Our take on LightStream
LightStream is a solid option for good- and excellent-credit borrowers, with no fees and a promise to beat competitors’ rates. Read our review of LightStream
Best for Small moving loans
6.70 - 35.99%
$1K - $75K
None
3 to 5 years
Our take on Upstart
Upstart personal loans offer fast funding and may be an option for borrowers with low credit scores or thin credit histories. Upstart is a solid financing choice for large purchases. Read our review of Upstart
Best for Moving loans for good credit
2025 NerdWallet award winner
8.99 - 35.49%
$5K - $100K
None
2 to 7 years
Our take on SoFi Personal Loan
SoFi offers large online personal loans with consumer-friendly features for good- and excellent-credit borrowers. Read our review of SoFi Personal Loan
Best for Moving loans for good credit
2025 NerdWallet award winner
7.99 - 24.99%
$2.5K - $40K
660
3 to 7 years
Our take on Discover® Personal Loans
With competitive rates and no origination fees, Discover personal loans are good options for borrowers with good and excellent credit. Read our review of Discover® Personal Loans
Best for Moving loans for fair credit
6.99 - 35.99%
$2K - $50K
600
3 to 5 years
Our take on Best Egg
Best Egg is worth considering for borrowers looking for a secured loan or to consolidate debt. Read our review of Best Egg
Best for Moving loans for fair credit
2025 NerdWallet award winner
7.90 - 35.99%
$1K - $60K
600
2 to 7 years
Our take on LendingClub
A LendingClub personal loan is a standout option for qualified borrowers who want to pay off debt with flexible terms. Read our review of LendingClub
Best for Joint moving loans
8.99 - 29.99%
$5K - $50K
640
2 to 5 years
Our take on Achieve Personal Loans
Achieve personal loans can be a good debt consolidation option for borrowers with fair credit or better who qualify for a rate discount. Read our review of Achieve Personal Loans
Best for Moving loans for bad credit
9.95 - 35.99%
$2K - $35K
550
2 to 5 years
Our take on Avant
Avant personal loans are a solid option for fair- and bad-credit borrowers who need fast funding, but their rates and origination fees can be high. Read our review of Avant
Best for Moving loans for bad credit
2025 NerdWallet award winner
7.74 - 35.99%
$1K - $50K
600
2 to 7 years
Our take on Upgrade
Upgrade accepts lower credit scores than similar lenders, and it offers multiple rate discounts for its personal loans. Read our review of Upgrade
Our team of consumer lending experts follows an objective and robust methodology to rate lenders and pick the best.
30+
Lenders reviewed
We review over 35 lenders, including major banks, top credit unions, leading digital platforms, and high interest installment lenders operating across multiple states.
25+
Categories assessed
Each lender is evaluated across five weighted categories and 27 subcategories, covering affordability, eligibility, consumer experience, flexibility, and application process.
60+
Data points analyzed
Our team tracks and reassesses hundreds of data points annually, including APR ranges, fees, credit requirements, and borrower tools, ensuring up to date, accurate comparisons.
We evaluate more categories than competitors and carefully weigh how each factor impacts your experience.
NerdWallet’s review process evaluates and rates personal loan products from more than 30 financial technology companies and financial institutions. We collect over 60 data points and cross-check company websites, earnings reports and other public documents to confirm product details. We may also go through a lender’s pre-qualification flow and follow up with company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.
Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education. Our ratings award fewer points to lenders with practices that may make a loan difficult to repay on time, such as charging high annual percentage rates (above 36%), underwriting that does not adequately assess consumers’ ability to repay and lack of credit-building help. We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. We weigh these factors based on our assessment of which are the most important to consumers and how meaningfully they impact consumers’ experiences.
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A moving loan is an unsecured personal loan used to pay for moving expenses, such as movers and new furniture. A personal loan used for relocation comes in a lump sum that you repay, plus interest, in fixed amounts usually over a few years.
These loans are available from online lenders, credit unions and many banks. Online loans typically fund faster, but you may get a better rate from a local bank or credit union.
» MORE: Compare the best unsecured personal loans
The cost to move depends on several factors, such as how far you’re moving and where to, how much you’re bringing and how you’ll get there.
On average, a move across town costs about $1,710, while a cross-country relocation can cost anywhere from $2,700 to $10,000, according to HomeAdvisor .
Your moving expenses could include:
Make sure to budget for the move before applying for a moving loan, since you won’t be able to request more money once the loan is funded.
» MORE: How much does it cost to move?
Taking a personal loan for moving expenses is just one financing option. Here are the main pros and cons of getting one for a big move.
A personal loan is one of a few financing options for your move. Because there aren’t many restrictions on how to use a personal loan, you can spend the funds on moving expenses and things like new home furnishings.
A personal loan may be the right choice if you don’t have savings or cheaper financing options, like a 0% interest credit card or a relocation package from a new employer.
Borrowers with strong credit and a low debt-to-income ratio have the best chances of qualifying for a low rate on a moving loan, although requirements vary by lender. Building your credit and improving your debt-to-income ratio are good ways to boost your chances of qualifying for a moving loan.
Here are the steps to apply for a personal loan.
» MORE: Pre-qualify with multiple lenders on NerdWallet
Moving loans are available to borrowers even if they have bad credit. Some online lenders, like Upstart, Upgrade, Avant and Universal Credit, have a low minimum credit score requirement, but it’s still best to shop around and pre-qualify with multiple lenders to get the lowest rate.
» COMPARE: Best loans for bad credit
Credit union loans are another good option, since they tend to offer lower rates and more flexible terms for borrowers with lower credit scores. Federal credit union loans can start under $1,000 and have a maximum APR of 18%.
» COMPARE: Top credit unions for personal loans
Savings are the cheapest way to pay for a move, so if you have an emergency fund or time to budget beforehand, you could avoid borrowing as much or getting a loan altogether.
If not, compare these alternatives with a personal loan to find the financing option that’s best for your plans:
Relocation package: If you’re relocating for a new job, ask your new company about paying for some or all of your moving expenses. If you didn’t discuss it during the negotiation process, it could be worthwhile to ask before going into debt for the move.
Credit cards: Borrowers with good or excellent credit may qualify for a 0% APR credit card, which charges no interest if the balance is paid off within the promotional period — usually 15 to 21 months.
Family and friends: Getting a loan from family or friends can be a low- or no-interest way to borrow money that won’t affect your credit score. Tread lightly with this option if borrowing money would mean risking your relationship with the lender.
Sell your stuff: Do you really need that piano? Selling larger items like a couch or pool table puts cash in your pocket and reduces moving costs. List items for sale online or hold a moving sale.
» MORE: Where to sell stuff online
