Rocket Loans Personal Loan Review 2026

How to Apply for a Rocket Loans Personal Loan?

Visit the Website. Start by going to the Rocket Loans website.
Click Apply Now. Select the "Apply Now" button to begin your loan application.
Select Loan Details. Choose your loan purpose, indicate whether you rent or own your home, and specify your employment status and personal annual income.
Provide Personal Information. Enter your address, phone number, date of birth, email address, and Social Security number.
See Your Options. Click "See My Options" to view the loan options available to you based on the information provided.

Loan Terms. Qualified clients can choose between a 36-month or 60-month loan term.
APR Range. The APR ranges from a minimum of 9.116% (with autopay discount) to a maximum of 29.99% (without autopay discount).
Loan Amounts. Rocket Loans offers personal loans ranging from $2,000 to $45,000.

Age Requirement. Applicants must be at least 18 years old.
Residency. Applicants must be U.S. residents.
Minimum Credit Score. A minimum credit score of 640 is required.
Minimum Annual Income. Applicants must have a minimum annual income of $24,000.
Potentially Required Documents. Documents such as a driver’s license, pay stubs, bank statements, and tax forms may be required during the application process.