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No Prepayment Fees

500,000 Customers

Flexible payments

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Our customers say Excellent Have a mail offer code?
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


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won't affect your credit score.

By clicking the button above, I am providing Express Written Consent for Lunna Loans to contact me by SMS, phone call or email. – Message and data rates may apply.

Al hacer clic en el botón de arriba, doy mi consentimiento expreso por escrito para que Lunna Loans se comunique conmigo por SMS, llamada telefónica o correo electrónico. - Se pueden aplicar tarifas por mensajes y datos.

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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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