Oakhill Loans
Now lending in all 50 states

Personal loans
that move as fast
as you do.

Borrow $2,000.00–$50,000.00 at a fixed 10% APR. No collateral, no upfront fees, and funding within 24 hours of approval.

Apply Now — it's fast How it works
Fast funding
Within 24 hours
Safe & secure
Bank-grade encryption
Trusted by thousands
4.9/5 average rating

Borrow with confidence

Soft check
Loan amounts
$2,000.00 – $50,000.00
Fixed APR
10%
Funding time
Within 24 hours
Hidden fees
No hidden fees
Check your rate

Checking your rate won't affect your credit score.

How it works

From application to deposit in three steps

The whole process is built to be fast and transparent — most applicants are funded within 24 hours of signing.

1

Apply in minutes

Tell us how much you need and a few details about your income and housing. It takes about 3 minutes and won't affect your credit score.

2

Verify your details

Securely connect your bank so we can confirm your account, then e-sign your agreement. A specialist may call to confirm a few details.

3

Get funded

Once you're approved and verified, we send your funds by ACH — typically within 24 hours of signing.

Benefits & Features

Why choose Oakhill Loans for your personal loan needs

Low Interest Rates

Flat 10% APR for all applicants

100% Digital Process

Complete online application

Flexible Tenure

Up to 60 months repayment

Basic Requirements

Every application is reviewed using our internal lending guidelines.

Before You Apply

Having the following information ready can help you complete your application more quickly.

  • ✔Minimum gross monthly income of $1,000
  • ✔Valid U.S. checking account
  • ✔Monthly housing payment information
  • ✔Other monthly debt information
  • ✔Requested loan amount
  • ✔Phone number and email address

How Your Application Is Reviewed

Step 1

Submit your application with your financial and bank information.

Step 2

Our system reviews your income and debt-to-income ratio.

Step 3

Qualified applicants continue through verification before funding.

One loan, many reasons

What people use Oakhill for

Whatever you need it for, the terms stay the same — a fixed 10% APR, no collateral, and no upfront fees.

Debt consolidation loans

Consolidate your debt into one fixed payment

Learn more

Personal loans for all credit tiers

Personal loans for less-than-perfect credit

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Medical & dental loans

Cover medical bills without the wait

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Home improvement loans

Fund your next home project

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Emergency loans

Fast funding for life's emergencies

Learn more

Frequently asked questions

Every approved applicant receives the same fixed 10% APR. The rate does not vary by credit score, loan amount, or term.