Personal loans made easy

Quickly get offers from top lenders through our partnership with MoneyLion. It’s fast, free, and won’t affect your credit score.

Who is MoneyLion?

To give you more options when it comes to personal loans, Navient is working with MoneyLion - the leading search, comparison, and recommendation engine for loan offers. Just input some brief information to get matched with top personalized loan offers instantly.

What are personal loans?

Personal loans are funds borrowed from banks, credit unions, or online lenders, that are repaid in monthly installments over a set term. There are fewer restrictions on personal loans, making them far more flexible than other types, like mortgages or auto loans.

How can I use it?

Personal loans can be used for just about any personal expense.

Some of the most common uses are:

Debt consolidation
Credit card refinancing
Medical bills
Vacations
Emergency expenses
Home improvement

How it works

Search and Compare

Complete a simple form and MoneyLion will search personalized offers from many of the top providers.

Get Matched

Based on the info you provide and your creditworthiness, MoneyLion will match you with the right offer.

Close the Deal

Find the lender of your choice, finalize on their site, and start reaping the benefits of your personal loan.

Have a Question?

What is a personal loan?

How do personal loans work?

What should I know about personal loans?

What is the easiest personal loan to be approved for?

What is the difference between a secured and unsecured personal loan?

How do I apply for a personal loan?

How are interest rates determined?

What can personal loans be used for?

How do personal loans affect my credit score?

What do I need to apply for a personal loan?

How much can I borrow for personal loans?

Why did Navient partner with MoneyLion?

How long does it take to get a personal loan?

What are the benefits of a personal loan?

What is the difference between a personal loan and a credit card?

How many personal loans can you have at once?

Blog

How Does a HELOC Work?

A home equity line of credit (HELOC) is when you use your home equity as leverage to take out new credit. Learn more about how to use these to your advantage.

Home Equity Loan vs. Line of Credit: What's the Difference?

Your home’s equity is great financial leverage for taking out new credit. Here’s how to choose the right option for your goals.

How to Get a Personal Loan When You Have Bad Credit

Bad credit doesn’t mean the end of your borrowing opportunities. Here’s how to set your self up for success when you’re applying for a personal loan with bad credit.

Can You Get a HELOC on an Investment Property?

It is possible to get a HELOC on investment property. However, qualifying for it can be more challenging than for a primary residence. Here’s what you need to know.

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Protecting Your Privacy

© 2025 Navient Solutions, LLC. All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions, LLC. Other logos are trademarks or service marks of their respective owners. Navient Corporation and its subsidiaries, including Navient Solutions, LLC, and Earnest LLC are not sponsored by or agencies of the United States of America.

Licenses: Navient Solutions, LLC - NMLS #212430 - Maine Loan Broker License # 212430, North Dakota Money Broker License MB103173.

Advertiser Disclosure:

Navient may receive compensation when you click on links associated with this Navient Marketplace. Navient is not being compensated for any application, quotation, or the purchase of any financial products.

Personal Loan:

Navient customers are invited to consider personal loan offers through our partner MoneyLion. Navient has not shared your information with MoneyLion and is not involved in the personal loan application process in any manner. All information is submitted directly to MoneyLion and any personal loan offers are made directly by participants in MoneyLion's lending platform. Engine by MoneyLion is the industry-leading embedded financial marketplace and independent subsidiary of MoneyLion Inc. ("MoneyLion") (NYSE:ML). Checking your rate will not affect your credit score. Eligibility is not guaranteed and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions.

Loan proceeds may not be used for postsecondary educational expenses, including refinancing federal or private student loans.

Student Loans:

Earnest loans are made by Earnest Operations LLC or One American Bank, Member FDIC, or FinWise Bank, Member FDIC. Earnest Operations LLC - NMLS #1204917, CA CFL license #6054788, 535 Mission St., Suite 1663, San Francisco, CA 94105. Earnest loans are serviced by Earnest Operations LLC (NMLS #1204917) with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770).

NaviRefi:

NaviRefi loans are made by Earnest Operations LLC (NMLS #1204917), a member of the Navient family of companies, subject to individual approval and underwriting criteria. NaviRefi loans are serviced by Earnest Operations, LLC (NMLS #1204917) with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). NaviRefi and NaviRefi logos are registered service marks of Navient Solutions, LLC.

Home and Auto Insurance:

@ 2024 Savvy Insurance LLC. Navient is not an insurer or insurance producer. Savvy is the licensed insurance producer supporting the Navient/Savvy program. All insurance information is provided from and underwriting is provided by Savvy and its licensed insurance partners.

Banking and Savings:

Navient customers are invited to consider savings offers through our partner MoneyLion. Navient has not shared your information with MoneyLion. Savings offers are made by participants in MoneyLion’s savings platform. MoneyLion is the technology platform powering financial services online.

Life Insurance:

Navient customers are invited to consider Life Insurance offers through our partner LeapLife. Navient has not shared your information with LeapLife. All information entered for Life Insurance will be transferred to LeapLife for the purpose of completing a life insurance quote, which is powered by MoneyLion. MoneyLion is the technology platform powering financial services online such as LeapLife.

Auto Refinance Loans:

Navient customers are invited to consider auto loan refinance offers through our partner MoneyLion. Navient has not shared your information with MoneyLion. Auto loan refinance offers are made by participants in MoneyLion’s lending platform. MoneyLion is the technology platform powering financial services online. Checking your rate will not affect your credit score.