One fixed payment, no surprises.
Borrow $1,000 to $40,000 at a rate that's locked for the life of the loan.
What it's for
Whatever comes up.
Pay down high-interest cards, cover a repair, fund a move or a wedding. You don't need to tell us why, and there's no fee to borrow or to pay it off early.
- $1,000 to $40,000
- A fixed rate and payment
- Funds as soon as the next business day
- No origination fee
- No prepayment penalty
Paying down cards
Why a loan can beat a balance.
Card vs loan
A credit card
A balance that lingers.
- A rate that can change
- A minimum payment that barely moves it
- No end date unless you set one
A Copper personal loan
A plan with an end.
- One fixed rate for the life of the loan
- One fixed monthly payment
- Paid off on a date you know
Today’s rates
Fixed rates from 8.99% APR.
Personal Loans
As low as
8.99 percent APR
Credit card
As low as
12.90 percent APR
Personal loan calculator
See your monthly payment before you apply.
How fast will I get the money?
Most personal loans are decided the same business day, and the funds can be in your Copper account as soon as the next business day.
What can I use a personal loan for?
Almost anything: paying down cards, a repair, a move, a wedding. We don't need to know the details.
Are there fees?
No origination fee and no prepayment penalty. You pay the interest, and that's it.
Will checking my rate affect my credit?
Pre-approval uses a soft credit check, which does not affect your score. A full application uses a hard inquiry.
Do I need to be a member first?
You can apply and join at the same time. Membership is open to anyone who lives, works or studies in San Francisco.
Can I pay my loan off early?
Yes. None of our loans have prepayment penalties.
What documents will I need?
Usually a recent pay stub, a government ID, and for auto loans the purchase agreement or vehicle details.