Low rates. Easy process.

Loan Amounts: $25,000 up to $500,000 |  Terms: 1 to 5 years with monthly payments  |  Rates: Range from 6%-18%

Why a GoKapital Personal Loan?

Request a Loan Online

Best rates and loans up to $500,000 with low monthly payments

Fast Decision

Know within 24 if your are approved with a soft credit check.

Minimal Documentation

Once approved, we’ll need basic documents like tax returns or pay stubs.

Personal Loans

Personal loans offer a convenient way to borrow money when you need to pay an unexpected bill, invest in new cabinets for your kitchen, take a memorable trip to your favorite vacation spot or pay for moving expenses.

Choosing to utilize one can also be a prudent move if you’ve got high-interest credit card balances you’d like to bundle together.

Repaying the loan involves making scheduled payments, including principal and interest. If you’d like to have the flexibility to make one or more purchases outside of your usual spending range, using this financial tool may be what you need.

Personal Loans
Personal Loans

Collateral Usually Isn't Required

Utilizing personal loans usually doesn’t require you to put up collateral, which means you won’t have to worry about losing your house, a vehicle or priceless family heirloom. However, having the convenience and privilege of using this type of loan can have severe penalties if a default occurs. There are different types of loans available these days, including secured loans, which require some form of collateral, such as your home. The risks involved with secured loans if you default is why it is important to ensure affordability and use a secured loans calculator to ensure you can keep on top of repayments.

Neither you nor your lender wants to see this happen, which is why a thorough analysis of your ability to make scheduled payments will be completed.

Doing so helps ensure you’ve got the capital needed to pay for your expenses and still have a comfortable way to repay the loan over a scheduled period.

Requirements Needed to Qualify for a Loan

Having a good credit history and steady income are two requirements you’ll need to qualify for a loan. This helps ensure you’ve got a way to make payments comfortably and a history showing your creditworthiness and ability to correctly follow payback terms.

Your Repayment Schedule Is Predictable

One of the advantages you’ll have by obtaining the cash you need with this method is the ability to make predictable, scheduled payments. After a loan is approved, the amount you’ll need to repay will be clear. You won’t find this transparency with financial tools like credit cards or revolving credit lines.

They only keep the monthly payment due date constant, which requires you to keep a steady eye on the amount of credit you use. Knowing you’ve got a regular personal loan payment to make should help create a routine, making it easier and more efficient to pay back.

Pre-Qualifications Are Done With a Soft Credit Pull

You likely understand how important your credit score is in the financial world. This program is for well-qualified customers who have a credit score of around 680+. Our preapprovals are completed in approximately 24 hours by using a soft credit pull. Using this method allows us to gather the appropriate data without affecting your credit score.

If you’re approved for a loan amount between $25,000 up to $500,000 and decide to pursue this option, more documentation will be required. Typically, this may involve pay stubs, tax returns, and utility bills.

Offers an Excellent Way to Avoid Prepayment Fees

Choosing to use this method to obtain the money you need is available without having to burden your wallet prepayment penalties. If you’d like to make any additional payments on your loan, it will go toward paying accrued interest first and then the principal balance.

Otherwise, you’ll need to pay the interest and principal balances, which are based on the rate and term you utilize for your loan.

Apply Now & Choose the Best Online Personal Loan Option For You.

Allows You Time to Pay

One big problem you’ll find with some financial tools, such as a payday loan, is the inability to spread payments over time, which allows you to pay back the money owed comfortably.

Personal loans aren’t as restrictive in this respect, which can enable you to take the time needed to make scheduled payments without having to feel burdened by the money you’ve borrowed. More resources and an in-depth explanation of how personal loans work can be found here.

When your costs are broken down into manageable, small allotments, it allows you to take care of your needs in the short-term without having to feel pressured in the future.

If you are looking for a Startup Business Loan,  the credit requirements as the same as the personal loans. Our loan consultants are here to help you, call us and we will love to answer any questions you may have before applying.


We’re here to help. Send us an email or call our experts at 1-866-257-2973