Personal loans designed for your life
Get the funds you need for debt consolidation, home improvements, or major purchases with competitive rates and flexible terms.
Why choose ORQA personal loans?
Experience fast, transparent lending with competitive rates and flexible terms designed around your needs.
Get a decision in as little as 24 hours with our streamlined application process.
Enjoy competitive APRs starting as low as 6.99% for qualified borrowers.
No origination fees, prepayment penalties, or hidden charges. Just transparent pricing.
Choose repayment terms from 2 to 7 years that fit your budget and goals.
Predictable monthly payments with fixed interest rates for the life of your loan.
Get personalized support from our lending specialists throughout the process.
Competitive rates and flexible terms
Get the funds you need with transparent pricing and terms that work for your financial situation.
How it works
Getting your personal loan is simple and straightforward with our streamlined process.
Apply Online
Complete our quick 2-minute application with no impact to your credit score.
Get Approved
Receive a decision in as little as 24 hours with competitive rates and terms.
Review Terms
Review your loan terms and sign your agreement electronically.
Get Funded
Receive your funds as soon as the next business day via direct deposit.
Popular uses for personal loans
Whether you're consolidating debt, making home improvements, or covering unexpected expenses, a personal loan can help you achieve your financial goals.
Debt Consolidation
Combine multiple debts into one manageable payment
Home Improvements
Fund renovations and increase your home's value
Major Purchases
Finance large expenses like appliances or vehicles
Emergency Expenses
Cover unexpected costs with quick access to funds
Personal loan vs. ORQA HELOC
Not sure which option is right for you? Here's how personal loans compare to our ORQA HELOC product.
Best for smaller amounts and fixed payments
Best for larger amounts and flexible access
Ready to get your personal loan?
Apply in minutes with no impact to your credit score. Get a decision in 24 hours and funding as soon as the next business day.