Verge Credit powered by Stride Bank

Personal loans that fit YOU

Let's crush those financial goals.

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Your needs are unique.

A "one-size-fits-all" approach simply doesn’t work when it comes to personal loans. We believe in a different approach. The application process is 100% online so you can apply at home, on the road, or anywhere in between. Plus it only takes minutes to complete. If approved, you can select from up to five loan options personalized to you and your situation.

  1. Personalized loan amounts

    from $500 to $5,000.

  2. Personalized terms

    from 6 to 60 months.

  3. Personalized rates

    from 37% to 179% APR.

What do people use
personal loans for?

  1. Debt consolidation

  2. Medical bills

  3. Emergency home repairs

  4. Moving expenses

  5. Funeral costs

Before applying, you should weigh your needs against the cost of the loan. Feel free to poke around our rates and terms page to see an example of the cost of borrowing.

Common uses for personal loan funds provided by Experian.

How personal loans work:


Tell us about yourself.

Share some information (full name, email address, etc.) to help us get acquainted. You can save your progress and come back to the application anytime.


We like the REAL you.

No fraudsters allowed! For your protection, provide your government-issued ID, Social Security Number and birthdate.


Details are important.

Here's where the personalization magic happens. Tell us about your income, rent or mortgage amount, and loan payment information.


Options, options...

If approved, you'll receive personalized loan options same day (usually in seconds). Pick the best option to fit your needs, and carefully read all the things—APR, terms and payment schedule—to be completely comfortable before signing.


You're all set, goal getter.

Sign your loan agreement and your requested funds will typically be deposited the next business day or sooner. Now you're ready to achieve your goals.

What do I need to apply?

  1. Photo ID
  2. Social Security Number
  3. Verifiable income
  4. Bank account information
  5. Housing payment information
  6. Email address
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The Verge Advantage


No, that's not a typo. What You See Is What You Get. We want to be as transparent as possible about your loan. That's why you won't have ANY hidden fees—NO origination fees, NO late payment fees, and NO missed payment fees. You will know exactly how interest will accrue, when your payments will be due, how much your payments will be, etc. And since a great relationship depends on great communication, we will clearly communicate with you from all angles—on the website, over the phone and through email.

Risk-Free Guarantee

Whether you're just getting to know us or we're long-time friends, we want you to be satisfied. With our Risk-Free Guarantee, you can change your mind and cancel your loan within 5 calendar days. If you cancel, return the funds borrowed and you won't be charged any interest or cancellation fees.

Credit Building Opportunity

We know you have goals. We can help you achieve them, even if they are around improving your credit. Late or missed payments can negatively impact your credit. But on-time payments can help improve payment history, which makes up 35% of your credit score according to myFICO. Verge Credit and Stride Bank, N.A. report payment history to credit bureaus. So by making payments on time, your credit score could improve.*

Is a personal loan right for you?

Start your online personal loan application.

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Personal Loans Q&A

Get to know the personal loan process for yourself.

What is a personal loan, exactly?
A personal loan is...personal. At Verge Credit, it's a type of installment loan. That means you borrow a set amount for whatever (you don't have to tell us what!) and then make regular payments to pay back the loan, plus interest. No money down, no collateral. Your promise seals the deal.
How will I know if I'm eligible?
We don't like a lot of drama, so most people will receive a decision on their online loan application moments after pressing submit. We're all about safety, though. So if there's something that looks "off", we may ask you to provide some additional documentation (like a copy of your ID or bank statement).
How soon will I get my funds?

We're working around the clock to help you get your funds quickly, but actual funds availability will depend on your personal bank. That means that funding times will vary based on bank operating hours. So unfortunately you won't get your $$$ on weekends or banking holidays. Generally, though, you should get your funds within a few days—hopefully just one.

What will the loan cost?

Payments will vary based on your loan amount, loan term and Annual Percentage Rate (APR). APR ranges from 37% to 179%. If approved, you may be presented with a couple of different rates on the page where you will see your personalized loan options. Along with the APR, you wil see your monthly payment.

Do you offer personal loans near me?
That depends on where you live. Verge Credit initially launched in April 2020 and grew from there. Now we're in Alabama, Arizona, Florida, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nevada, New Mexico, North Carolina, Ohio, South Carolina, Tennessee, Utah, and Virginia.
Do you offer automatic payment options?

Yep! We call it AutoPay. Verge Credit services the loan, Stride Bank, N.A. provides the funds, and AutoPay takes care of payments automatically for each billing cycle. And the best part? Your on-time payments could positively impact your credit score.*