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Welcome to GoKapital

How GoKapital's Personal Loans Are Better

Get up to $30,000

Individuals with a fair credit score can access affordable personal loans up to $30,000 with great rates and flexible terms.

UP TO $30,000

Simple, and Secure

Apply today and choose your loan offer in just minutes; secure, encrypted process when providing the required documentation.

24 TO 48 MONTHS

Next Day Funding

Once your supporting documentation is received, the funds can be deposited into your account the next business day.

EASY PAYMENTS

The components of your credit score

Banks and alternative lenders in the United States use FICO credit score to assess your creditworthiness and your interest rates. A FICO credit score is simply a snapshot of a moment in your credit story.

We look beyond just your credit score. During the application process, we will consider
multiple factors to determine your creditworthiness such as your employment history, income, financial health, and credit behavior.

JOB HISTORY

A minimum of 1 year tenure at your current job is a plus

INCOME

Whether you're employed, retired or self-employed, verifiable income is key.

FINANCIAL HISTORY

We're looking for a positive banking and financial record.

CREDIT BEHAVIOR

As lenders, we need to assess your credit behavior over time to understand how you use credit.

Great loans, better rates, fast funding.

Here’s What You’ll Need

Having these documents at hand will help expedite the loan approval process.

Proof of employment and income
Recent bank statements (all pages) and a voided check
Current driver’s license or government/state issued ID

Save money when you take advantage of these secure verification and payment options

  Decision in minutes and fast funding: 

Our free online application provides multiple finance options for you to choose from. Best yet, you can receive money in your account as soon as the next business day.

  Auto Pay: 

Keep it simple with automatic payments from your checking or savings account.

  Bimonthly payments: 

Having two scheduled payments a month makes it easier to manage your budget.