$5,000: the top of the range, and what it takes to get there.
A $5,000 personal loan at a fixed APR over 12 to 36 months. It's the largest amount in our network, so here's exactly what lenders look for — and what to do if the first offer comes in lower.
The $5,000 checklist
Each item lenders weigh for the maximum amount. Tick what applies.
$5,000 at 19.99% APR — pick a term
At 29.99% APR the same terms are $487.41 / $279.54 / $212.23 per month. No prepayment penalty on most loans.
If the offer comes in under $5,000
It happens often on a first request. Three ways to get there.
- Take what fits, pay on time. Many lenders raise the limit on a second loan after a clean first one.
- Clear any open short-term loan. An active payday-style balance caps most offers.
- Re-request after a full pay cycle. One more month of deposits can move the number.
$5,000 loan FAQ
Can I get a $5,000 loan with bad credit?
You can request offers — no minimum score — but $5,000 is the top of the network's range and lenders apply their strictest income and history checks. With fair credit, offers are often $2,000–$3,500 at first.
What income do I need for $5,000?
Typically $1,500–$2,000+ a month in verifiable income, 3+ months of deposits, and a checking account at least 90 days old.
What's the payment on $5,000?
At 19.99% APR: about $463 over 12 months, $254 over 24, $186 over 36. At 29.99%: about $486 / $280 / $212.
How long does $5,000 take to fund?
Usually 1–2 business days after e-signing — lenders verify larger amounts more carefully.
Is $5,000 the maximum?
Yes, through Bear Loan. If you need more, a credit union or bank personal loan is the next step.
Can I use $5,000 to consolidate debt?
That's one of the most common uses. Run the math on our personal loans page — it's worth it when the loan APR is below your cards'.
Ready for the full $5,000?
Request with a soft credit check. If you qualify for less today, you'll see that too — no obligation.