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Welcome to GoKapital

Get a personal loan with GoKapital to achieve your financial goals.

Whether you need to pay for an unexpected expense, consolidate
your existing debt, or fund a major purchase. 

GoKapital has your back. We lend from $2,000 up to $30,000


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Reviewing your offer won't affect your credit score!

How our personal loans work:

Apply online in just minutes.

It takes a few minutes to fill out the online form. Doing this will not impact your credit score.

Receive an offer.

Once we analyze your loan application along with the documentation required, our loan processors will send you an offer with the approved amount and the terms of the loan.

Get the funds in your bank account.

After we have received all the required documents and if we approve your loan. You can get funded in as fast as the next business day.


  • Get a personal loan for up to $30,000.
  • Get funded as fast as the next business days.
  • Flexible terms and affordable payments.
  • No fees for early payoff

Requirements and documentation

  • Must be at least 18 years old and must be able to provide a government-issued photo ID
  • Your minimum annual income must be $30,000
  • The applicant must have a verifiable personal bank account in his or her name
  • Driver’s license
  • Bank statements and a voided check
  • Proof of income


Is my credit score important? And what’s the minimum credit score to apply?

Yes, it is. We use your credit score to make a decision on your loan application. While your credit score is not the only qualifying criteria, it is important that you have a good credit score. The minimum credit score we require on a personal loan is 600 or above.  

Does applying affect my credit score?

Not at all. Applying for a personal loan with GoKapital will not affect your credit score whatsoever. When you fill out our application form, we generate a soft credit inquiry (soft pull) that is only visible to us and we use it to evaluate your creditworthiness. When you accept the offer, however, we perform a hard credit inquiry to verify the information provided. That hard pull will be reflected on your credit report.

What happens after I submit my loan application?

If you qualify for a loan, you will receive an offer. It will include the loan amount, rate, APR, monthly payments, and loan term. If you accept the offer, your money will be automatically deposited into your bank account.

Do you lend in all states?

We currently lend in 43 states and Washington, DC. Find below a list of states where our loans are NOT currently available:

  • Iowa
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • NorthDakota
  • RhodeIsland
  • SouthCarolina

How does GoKapital keep my information safe?

We take major precautions to protect your personal and business information. Our site uses encryption and security certificates (SSL) to ensure that your information is safe. Also, we never share your information with third-party sites.

Can I apply if I have a discharged bankruptcy?

Yes, you can apply, as long as more than 12 months have been discharged.

What are your Personal loan amounts

We lend from $2,000 to $30,000 USD.

Do you offer joint or co-signed loans?

Not at this moment. We offer personal loans based on your individual credit picture. Only your information will be taken into account.

How can I use the proceeding of my loan?

You may use your loan proceedings for whatever legal personal expense or purchase you choose.

How long does it take to receive an approval decision?

Based on the information provided on your loan application, we’ll return an offer in just minutes. If you accept our offer, we will ask you to provide some additional information and documents. Once we receive and verify all the documentation, a final underwriting review can be completed in just a few hours.

The whole process could take up to a week on average. In some cases, it could take be faster or take longer. That will depend on how fast the applicant can deliver the required documentation.

How fast can I get the funds deposited?

We will transfer the funds into your bank account as soon as the next business day after final loan approval.

When are my payments due?

Your loan agreement will state when your payments are due.

Is there an easy way to make my payments?

AutoPay (ACH): Most customers like to take advantage of this simple option. It can be set up during the application process, and we’ll work with you to determine the best due date.

Can I make extra payments?

Yes, you can make any extra payments any time you like.

Is there a penalty for paying off my loan balance early?

Not at all.

Do you report to the credit bureaus?

Yes, we report to credit bureaus.


Loan offers, loan amounts, terms, and annual percentage rates (“APR”) may vary based upon GoKapital’s scoring and underwriting system that reviews your credit, financial condition, and supporting documents or information you provide.

  • Origination fees from 0% to 6% may apply depending on your state of residence.
  • Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $30,000, at rates ranging from 15.49% APR to 35.99% APR, with terms from 24 to 48 months.
  • Example: A $10,000 loan with an origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and rate depend on credit history, income, and other factors).