Personal loans · 7.99–18.99% APR
Personal loans funded in 24 hours.
Crescent is a direct personal lender — no middleman, no collateral, no prepayment penalty. Soft-pull pre-qualification means seeing your real rate doesn’t affect your credit.
$5,000 – $100,000 loans · 2 to 7 year terms · No prepayment penalty · NMLS #2401508
Crescent in numbers
24 hrs
Average funding time
7.99%+
Starting APR
For excellent credit
180K+
Loans funded since 2018
Soft pull
To see your rate
No credit hit to check
Pre-qualify
See your rate in 60 seconds
Soft pull only — won’t affect your credit score. Pre-qualified offers are good for 30 days.
Pre-qualify in 60 seconds
Soft credit pull only — won’t affect your credit score. See your real rate before applying.
What’s the loan for?
Loan amount
Repayment term
Estimated credit score
Estimated total
$20,000
- What’s the loan for?: Debt consolidation$0
- Loan amount: $20,000$20,000
- Repayment term: 5 years$0
- Estimated credit score: Good (700–739)$0
Estimated APR9.99%
Estimated monthly payment$425
Funded in24–48 hrs
Why Crescent
What makes us different
Direct lender, not a marketplace
We’re actually the lender — your application goes to one place. Many "personal loan" sites are just lead-generators that share your info widely.
Soft-pull pre-qualification
See your real APR + monthly payment before applying. No hard inquiry until you accept the offer.
24-hour funding
Most accepted applications fund within 24 hours. Money in your account, not in a partner bank.
Fixed rates
Your rate doesn’t change. Your monthly payment doesn’t change. Whatever you sign is what you pay until paid off.
No prepayment penalty
Pay off early — anytime. We don’t penalize you for it.
Transparent fees
Origination fee 0–6% based on credit; deducted from your loan amount up front. No surprise fees ever.
How it works
From prequalify to money in your account
- 1Step 1Pre-qualify60 seconds. Soft pull. See your rate without affecting credit.
- 2Step 2Apply5 minutes. Hard pull happens here. Real-time decision in most cases.
- 3Step 3Sign + verifyE-sign the loan agreement. We may verify income or identity (typically same-day).
- 4Step 4FundedMoney in your account within 24 hours of signing. ACH direct deposit.
Reviews
Recent customer reviews
“Consolidated three credit-card balances into one Crescent loan. Cut my effective rate from 22% to 11%. Saving me $4K over the loan term.”
MT
Marcus T.
Debt consolidation · 2025
“Got pre-qualified in 60 seconds, applied, signed, funded the next morning. The whole experience was about 30 hours start to finish.”
JR
Jenny R.
Home improvement · 2025
“Tried a few other online lenders first — Crescent was the only one whose pre-qualified rate actually matched the final offer. Refreshing.”
DK
Daniel K.
Medical expenses · 2024
Common questions
Quick answers
- No — pre-qualification uses a soft pull, which doesn’t affect your credit score. A hard pull only happens if you proceed with the full application.