3. Apply
- StepApply online
- TimeUnder five minutes
- Credit checkSoft inquiry
- ThenA loan expert calls you
Personal loans, made kind.
Fixed-rate loans from $5,000 to $110,000, often funded in as little as 24 hours.
Check your rate- helping people borrow with confidence
- Since 2001
- saved collectively by our clients
- $45M+
- credit score to check your options
- No minimum
Newport Beach, California. Helping people since 2001.
Shared on kind321.com
What our clients say
Reviews
Every credit profile
We've helped borrowers across every credit range.
There's no minimum credit score. We look at the whole picture, including your income and your ability to repay, not just one number.
Check your rateGood to excellent creditPut your credit history to work for a lower fixed rate.
Fair or limited creditA thin or bumpy history doesn't rule you out.
Rebuilding creditHonest options and a plan you can actually stick to.
VeteransPrograms that may include more favorable rates or terms.
Fixed income and retireesSocial Security, pensions and retirement income all count.
Loans from $5,000 to $110,000
Our loans
Whatever's next, there's a fixed-rate loan to help you get there.
Solutions
Personal Loans
Cover the planned and the unexpected with one fixed payment and a clear end date.
6.99%
Fixed APR,
from- $5,000 to $110,000
- Terms from 24 to 60 months
- Fixed monthly payments
- No prepayment penalties
Consolidation Loans
Roll several high-interest balances into one loan with one simple payment.
6.99%
Fixed APR,
from- One payment instead of many
- Simple fixed interest
- Funds can go straight to creditors
- No prepayment penalties
Home Improvement Loans
Fund the kitchen, the roof or the repair that can't wait, with a payment you can plan around.
6.99%
Fixed APR,
from- $5,000 to $110,000
- Terms from 24 to 60 months
- Funded in as little as 24 hours
- No prepayment penalties
APRs from 6.99% to 35.99% for first-time borrowers. Your rate depends on your credit profile, income and debt-to-income ratio.
Real people. Real solutions.
Kind support
Why Kind
Talk to a real person
US-based loan specialists who listen first and explain every option in plain language.
A plan that fits your life
An amount, term and payment chosen around your budget, not the other way around.
One payment, less to track
One fixed monthly payment with a payoff date you can see from day one.
The terms, up front
Loan features you can count on.
- Fixed rates from 6.99% APR
- Loans from $5,000 to $110,000
- Terms from 24 to 60 months
- No prepayment penalties, ever
- No minimum credit score
- Funds sent straight to your creditors if you choose
Ready to get started?
Check your rate in about five minutes, and talk it through with a real person.
Check your rate01
Consolidation combines multiple debts, such as credit cards, medical bills, personal loans and in some cases collections accounts, into a single loan with one monthly payment. Your loan carries simple fixed interest rather than the daily compounding interest credit cards charge, so the rate you accept is the rate you keep.
Funds are typically in your account within 24 to 48 hours of approval and can be paid directly to your creditors.
02
Personal loans start as low as 6.99% APR, with a range of 6.99% to 35.99% APR for first-time borrowers. The rate you are offered depends on your credit profile, income, debt-to-income ratio and overall financial situation.
Loan amounts run from $5,000 to $110,000, with repayment terms between 24 and 60 months tailored to you.
03
There is no minimum credit score. Kind works with clients across the credit spectrum, including fair, poor or limited credit histories, and evaluates income and repayment ability rather than a single number. Options designed for bad credit come with honest education and realistic solutions.
04
Any origination fee is disclosed before you accept an offer, so there are no surprises. We never penalize you for paying off your loan early, and autopay is available to make sure a payment is never missed.
05
The initial application takes about five minutes online. From there a loan expert reviews your situation and guides you through the remaining steps personally.
You will need valid identification, proof of income such as pay stubs, tax returns or bank statements, and information about your current debts and assets.
06
Yes. Social Security, pensions and retirement distributions all count as income. Veterans have access to tailored programs that may include more favorable rates or special terms, and households managing multiple high-interest debts can use consolidation designed specifically for that.