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No Prepayment Fees

500,000 Customers

Flexible payments

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Nuestros clientes dicen Excelente ¿Tiene un código de oferta por correo?

A quick & transparent process

We have a simple online application:

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Check your rates

Fill out a form to check your rate in minutes

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Sign your contract online

Using our secure application, you can e-sign your contract if pre-approved. Trust & security is our #1 priority.

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Funds as soon as tomorrow

Money can be directly deposited into your bank account as soon as the next business day.

Save thousands with a low fixed-rate personal loans.

With credit card rates on the rise,see how you could save thousands on
interest by consolidating existing debt into a low fixed monthly payment.




















Personal finance that fits you

We've built a secure & personalized experience

Checking your rates won’t affect your credit score
Our rates are often lower than the banks
We have a simple online application
No early repayment fees, no hidden charges


Start the conversation. Please fill out the form below.

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By clicking the button below, I am providing electronic signature per the E-SIGN Act that I acknowledge, agree and consent to the Privacy Policy and Terms of Use which includes binding arbitration and I am providing express written consent for Lunna Loans to contact me by email, text or calls at the phone number and email provided regarding appointment scheduling, application and loan status using any automated telephone dialing system, prerecorded/artificial voice and/or use of an automatic dialing device or system (Data and msg rates may apply, msg frequency varies: Text HELP for help; STOP to cancel) even if my telephone number is listed on any state or federal Do-Not-Call list. I may revoke this consent anytime and consent is not required as a condition to purchase products or services. This consent will not be shared with third parties for their marketing purposes.

Al hacer clic en el botón a continuación, proporciono una firma electrónica según la Ley E-SIGN que reconozco, acepto y doy mi consentimiento a la Política de privacidad y los Términos de uso, que incluyen arbitraje vinculante, y doy mi consentimiento expreso por escrito para que Lunna Loans se comunique conmigo por correo electrónico, mensajes de texto o llamadas al número de teléfono y correo electrónico proporcionados con respecto a la programación de citas, solicitud y estado del préstamo utilizando cualquier sistema de marcación telefónica automatizada, voz pregrabada/artificial y/o uso de un dispositivo o sistema de marcación automática (se pueden aplicar tarifas de datos y mensajes, La frecuencia de los mensajes varía: envíe un mensaje de texto con AYUDA para obtener ayuda; DETENER para cancelar) incluso si mi número de teléfono figura en cualquier lista estatal o federal de No llamar. Puedo revocar este consentimiento en cualquier momento y no se requiere el consentimiento como condición para comprar productos o servicios. Este consentimiento no se compartirá con terceros para sus fines de marketing.

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98% of our customers left satisfied

You’re in good company

Our customers say Excellent
Nuestros clientes dicen Excelente

“These guys are always ready to help when you need it most. They helped cover school fees for my brother and I when I was a little low on cash.”

Jenifer Griffen, NY

“Their application process was quick and simple. In a short time, I had the funds I needed to complete some much needed improvements around the house.”

Chris Roll, SF

“I think that Lunna Loans has been of great help in my case and I think as a new client it was fast approved and professionally handled. It was fast and easy.”

Alicia Mendoza, CA


An unsecured personal loan is a money borrowed from a lender that is not secured by property such as a house or car over a fixed period of time. While most loans through Lunna Loans are unsecured, certain credit unions may place a lien on other accounts you hold with the same institution. It is important to review your promissory note for these details before accepting your loan.

Checking your rate on Lunna Loans will not affect your credit score. If you proceed with your application after receiving a rate your credit score may be impacted. When you check your rate, we make a “soft credit inquiry.” Soft credit inquiries on your report do not lower your credit score, but you may see when you view your report that this inquiry was made. If you are offered a loan and proceed with the application, a “hard credit inquiry” will be completed to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your credit score.

There is no prepayment penalty for paying off a loan on Lunna Loans early. You may pay off part or all of the loan at any time with no fee. By prepaying, you will pay less overall interest because the loan is outstanding for a shorter time.

Yes, in some instances we do accept co signers. Cosigners should be aware that becoming obligated on another person’s loan is treated as a debt obligation, and that person will be responsible for the loan if you do not pay it off.

Lunna Loans are unsecured loans. This means that you do not need to provide collateral for the loan.

Personal loans can be used for a variety of purposes, but are commonly used to consolidate high-interest credit card debt. When using a personal loan to pay off credit card debt, the loan funding is used to pay off the cards’ outstanding balances. Ideally, the new debt consolidation loans will have a lower interest rate, making payments more manageable or saving the person money from accrued interest. Click here to learn more about the pros and cons of using low interest personal loans to consolidate debt.

Many people apply for a low-interest personal loan to consolidate high-interest credit card debt. These loans can also be used to fund major life purchases or expenses, like home improvements, weddings, unexpected medical expenses, moving expenses, or funerals.

No, unsecured personal loans do not require a down payment, unlike a secured home loan.

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