See Your Personal Loan Rate Before You Commit.
Fund a home project, cover medical bills or handle a big expense with one fixed monthly payment. Checking your rate won't affect your credit.
★★★★★
Their education-first approach stood out — they took the time to clearly explain my options without pressure or judgment. Honest guidance and a real path forward. Highly recommend.
Pam E.
Verified client · Florida
Trustpilot
TRUSTED BY OUR CLIENTS ON
FREE RATE QUOTE
Get Your Free Rate Quote
No impact to your credit • No obligation
What happens next: a ClearPath specialist will call or text you with your options. Rates 5.40%–35.36% APR.
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OUR SOLUTIONS
One Loan for What Matters Most
Medical bills, a major purchase, moving costs, or a new roof, kitchen remodel or HVAC system. One application, one fixed monthly payment and no home appraisal, and you see your rate before you commit to anything.
HOME IMPROVEMENT
New roof, kitchen or HVAC
Fund the project now with one fixed monthly payment. No home appraisal and no equity required.
MEDICAL BILLS
Cover medical and dental costs
Pay off hospital, surgery or dental bills at a fixed rate instead of juggling payment plans.
CREDIT CARD PAYOFF
Consolidate card balances
Roll high-interest credit cards into one fixed monthly payment with a set payoff date.
How it works
How Getting Your Loan Works
No paperwork piles, no pressure. Here's what to expect from your free rate check.
Step 01
Tell us what you need
Share how much you'd like to borrow, what it's for and a few basics. It takes about 60 seconds, and our soft credit check won't affect your credit score.
Step 02
See your loan options
We review your request and show you the loan offer you qualify for. You'll see your rate, term and monthly payment in clear numbers before you decide.
Step 03
Choose your loan and get funded
Pick the offer that fits, or take time to think it over. Checking is always free, and there's never any pressure. Once approved, funds go straight to your bank account.
COMPARE YOUR OPTIONS
Personal Loan vs. Credit Cards vs. Home Equity
Each way to borrow trades off cost, speed and risk differently. Here's how they compare.
Option A
Personal Loan
Rate: Fixed
Payoff date: Set from day one
Time to fund: Often within days
Appraisal or closing costs: No
Home at risk: No, it's unsecured
Option B
Credit Cards
Rate: Variable, often much higher
Payoff date: None; minimums can last years
Time to fund: Instant, up to your limit
Appraisal or closing costs: No
Home at risk: No
Option C
Home Equity Loan or HELOC
Rate: Often lower
Payoff date: Depends on the loan
Time to fund: Usually weeks
Appraisal or closing costs: Yes
Home at risk: Yes, it secures the debt
ELIGIBILITY
Who Qualifies for a Personal Loan?
You may be a good fit if most of these sound like you. Final approval, rate and terms depend on your full application.
Your credit
Fair credit or better
We generally look for fair-to-good credit. Checking your rate uses a soft pull, so it won't affect your score.
Your income
Steady, verifiable income
A job, self-employment, retirement or other regular income that shows you can comfortably handle the monthly payment.
Where you live
Available in all 50 states
Loan availability, rates and terms vary by state.
5-star reviews
ClearPath Financial Network Reviews
Verified reviews from clients on Trustpilot and Google.
Rated 5 out of 5 stars
“ClearPath Financial Network is outstanding. The team was very professional and explained everything clearly from start to finish. I was a little hesitant at first, but reaching out turned out to be one of the best decisions I’ve made. I highly recommend working with them. Thanks again for all your help!”
Ben G., Florida
Verified Review
Rated 5 out of 5 stars
“Extremely professional and expert guidance. Felt very comfortable working with them. Feels like a breath of fresh air. Highly recommend.”
Derek W., New York
Verified Review
Rated 5 out of 5 stars
“I had a great experience with ClearPath Financial Network. They were patient, professional and took the time to clearly explain my options. I left feeling informed and confident about my next steps and would highly recommend them!”
Cristina H., New York
Verified Review
FAQ
Personal Loans: Common Questions
Straight answers to the questions we hear most. Still unsure? Checking your rate takes about 60 seconds.
Question 01
Will checking my rate hurt my credit score?
No. We use a soft credit check, which doesn't affect your score. A hard inquiry happens only if you accept an offer and formally apply.
Question 02
What can I use a personal loan for?
Most borrowers use one to consolidate credit card debt, pay for home improvements, cover medical bills or handle a major purchase. Certain uses, such as tuition or investing, aren't eligible.
Question 03
How much can I borrow?
It depends on your credit, income and existing debts. Your free rate check shows the loan amounts, rates and terms you're likely to qualify for before you commit to anything.
Question 04
Do I have to pay anything upfront?
No. Checking your rate is free. Your cost is the loan's APR, which may include an origination fee. You'll see both before you accept any offer.
Question 05
Can I use a loan to pay off credit cards?
Yes. Debt consolidation is the most common use. You can use your loan to pay off your cards, leaving you with one fixed monthly payment and a set payoff date.
Question 06
How fast can I get my money?
After you accept an offer and complete verification, funds typically arrive within a few business days. Timing depends on how quickly you send any documents we request.