Checking rates won't affect your credit

Finance for your
next chapter.

Personal loans from $1,000 to $100,000 with fixed rates, clear terms, and zero origination fees. Get pre-qualified in minutes.

Check my rate No commitment · No SSN required to start
Bank-grade security Same-day decisions Fixed rates
I want to borrow$15,000
$1,000$100,000

Estimated monthly payment

$498.14

36 mo · 11.99% APR

est. 17,933 total

$4.2B

Funded to date

560k+

Borrowers served

7.99%

Starting APR

4.8/5

Customer rating

How it works

Three steps to your offer

01

Check your rate

Tell us how much you need and what it's for. A soft check — your credit score stays untouched.

02

Verify your details

Confirm your identity and financial picture with a few quick questions. Encrypted end to end.

03

Get your offer

See your personalized terms and, once approved, funds land as soon as the next business day.

Why Vellum

Lending without the fine print

Fixed, transparent rates

Your APR is locked the day you sign — no variable surprises, no prepayment penalties, no origination fees.

Fast, fully online

Apply in minutes from any device. Most decisions are instant, with funding as soon as the next business day.

Your data stays yours

AES-256 encryption and strict privacy controls. We never sell your information to third parties.

Loans that flex

Borrow $1,000 to $100,000 across 24–84 months. Consolidate debt, fund a project, or cover the unexpected.

FAQ

Questions, answered

Ready to see your rate?

It takes about two minutes, and checking won't affect your credit score.

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