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Last Updated: 03/16/2026

Rocket Loans Personal Loans

in Personal Loans from RockLoans Marketplace LLC

Last Updated: 03/16/2026

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham

Verified by:

RockLoans Marketplace LLC
Rocket Loans Personal Loans logo
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Strongly recommended14 total votes
11 users recommend
1 users are unsure
2 users don't recommend
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Compare personal loan offers from Rocket Loans Personal Loans and their competitors.

Compare personal loan offers from Rocket Loans Personal Loans and their competitors.

Discover your lowest eligible rate in minutes.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

See how much you qualify for and what your monthly payment will be.

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It's quick, easy, and won't hurt your credit score.

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Highlights

Community Rating

Strongly recommended

APR (Fixed APR)

8.01% - 29.99%(Verified 03/16/2026)
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Amount Range

$2,000 - $45,000
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Loan Term (Months)

36 - 60

Number of Reviews

14
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Rocket Loans Personal Loans Review

Rocket Loans Personal Loans is offered by RockLoans Marketplace LLC, a direct lender founded in 2016 and based in Detroit, MI. RocketLoans are available in 46 states.

Key Takeaways

  • APRs starting at 8.01%** (for APR terms see terms and conditions). Personal loan interest rates typically range between 9% and 36%. The starting rates for Rocket Loans Personal Loans are on the lower end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Large loan amounts. You can apply for loan amounts of up to $45,000 with Rocket Loans Personal Loans .
  • Prequalified rate. You can check your prequalified rate at RockLoans Marketplace LLC with a soft pull that will not affect your FICO or VantageScore.
  • Origination fees of up to 9.99%. This is on the high end for lenders on SuperMoney's database. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.

RocketLoans Pros & Cons

RocketLoans FAQ

What interest rates and personal loan terms does RocketLoans offer?

What interest rates does RocketLoans offer?

RocketLoans offers a fixed APR personal loan product that ranges from 8.01% APR up to 29.99% APR.

How much can you borrow via RocketLoans?

Personal loan amounts start at $2,000 and go up to $45,000

What is the maximum loan term you can get with RocketLoans?

RocketLoans offers loans with terms of up to 60 months.

What fees does RocketLoans charge?

Does RocketLoans charge an origination fee?

RocketLoans may charge a personal loan origination fee of up to 9.99% of the personal loan amount .

Does RocketLoans charge a late fee?

Yes, RocketLoans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $15.

Does RocketLoans charge prepayment fees?

No, RocketLoans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

What do you need to qualify for Rocket Loans Personal Loans?

Applicants with a credit score that ranges above 660 may be eligible for Rocket Loans Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Rocket Loans Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Rocket Loans Personal Loans.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Proof of citizenship or residence permit

What is the estimated funding time for a personal loan via RocketLoans?

RocketLoans will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.

Does Rocket Loans Personal Loans report your account activity to credit bureaus?

Yes, Rocket Loans Personal Loans reports to the following credit bureaus:
  • Equifax
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does RockLoans Marketplace LLC perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
RocketLoans allows you to check your rates with a soft credit pull.

Are Rocket Loans Personal Loans legit?

RocketLoans was founded in 2016, it is a well-established company that has been in business for 10 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

Rocket Loans Personal Loans Disclosure: Qualified clients using Rocket Loans will see loan options for a 36 or 60 month term, and APR ranges from a minimum of 8.01% (rate with autopay discount) to a maximum of 29.99% (rate without autopay discount) depending upon their credit profile. An origination fee of up to 9.99% is charged for each loan. This fee is deducted from the balance before funds are disbursed to the client. For example, a 5-year $16,000 loan with a 14.55% interest rate and a 6.95% ($1,112) origination fee would have 59 scheduled monthly payments of approximately $376.83 and 1 final monthly payment of approximately $399.09 for an APR of 17.90%. Borrower must be a U.S. citizen or permanent U.S. resident at least 18 years of age. All loan applications are subject to credit review and approval and offered loan terms depend upon credit score, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate or highest loan amount. To qualify for the lowest rate, you must have excellent credit, meet certain conditions, and select autopay. To qualify for loan amounts from $45,001 to $75,000, you must be a returning Rocket Loans client in good standing or have an existing mortgage relationship in good standing with one of Rocket Loans' sister companies, Rocket Mortgage or Mr. Cooper (Mr. Cooper owned mortgages only). Rates and Terms are subject to change at any time without notice. All personal loans are made by Cross River Bank, a New Jersey state chartered commercial bank, Member FDIC, Equal Housing Lender. This is not a deposit product.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Rocket Loans Personal Loans logo

Message from RocketLoans

Headquartered in Detroit, RocketLoans was established to create the most simple, rocket fast personal loan process. We assembled a top-notch team of individuals combining new, passionate team members with some of the best veterans from Quicken Loans to create the most user-friendly lending platform in the world.
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Message from our editor

What We Love About RocketLoans

RocketLoans does a great job of offering premier customer service and follow-up, even in their online format. They have chats readily available, live agents on call, and emails galore to ensure that consumers are always in the loop with their lending process and the world of personal loans in general. Their service and communication are what give people peace of mind, and it’s just unfortunate that they don’t deal in subprime loans.
Some loans can even be funded the same day, although consumers may have to wait 1-3 days depending on the requirements of their own bank and how they process funds.

What Could RocketLoans Do Better?

Currently, RocketLoans only works with people who have good to excellent credit. That means that you’re usually once again in the situation where you have to “have money” to get money. People with subprime credit will either get really high interest rates or be denied completely. If they could find a way to expand their offerings to a wider market of consumers with less-than-perfect-credit (the majority of the country these days), they might serve to impress us even more.

RocketLoans Backstory

Quicken Loans has been serving the mortgage industry for decades, taking pride in their singular focus. However, they have recently begun to expand their offerings into other lending arenas, including personal loans. In 2016, Quicken launched their online RocketLoans personal loan service, offering fast, easy online personal loans to borrowers who have good to excellent credit.
RocketLoans serves to simplify the personal loan process and help people get money faster and easier when they need it most. They have multiple terms and APR options, as well as a range of loan amounts to suit just about any need.

The Verdict

Backed by a financial giant like Quicken, RocketLoans proves to be a valuable resource for those who need personal loans and who have good credit to begin with. Of course, there may be other options out there to consider.
Check out personal lenders and how they stack up to Rocket Loans to make sure you’re choosing the right loan.

Contact

Headquarters

1274 Library Street, 2nd Floor
Detroit, MI 48226
(800) 333-7625
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Email Support

Hours of Operation

Sunday
Closed
Monday
8:30AM - 9:00PM
Tuesday
8:30AM - 9:00PM
Wednesday
8:30AM - 9:00PM
Thursday
Closed
Friday
8:30AM - 9:00PM
Saturday
9:00AM - 4:00PM

Other Services by RockLoans Marketplace LLC