Best Moving and Relocation Loans in 2026
SoFi offers the best moving loans, thanks to its fast process and membership perks
- A moving loan is a personal loan you can use for moving and relocation-related expenses.
- Smaller moving expenses may be better suited to a 0% intro APR credit card or buy now, pay later financing.
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LendingTree users shopping for moving and relocation loans request an average of $6,292 and have an average credit score of 575.
Source: LendingTree analysis of personal loan inquiries on the LendingTree platform from April 2025 through March 2026.
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| Lender | User rating | Best for | APR | Amount | Min. credit score | See Results |
|---|---|---|---|---|---|---|
|
Overall moving loans | 6.99% to 35.49% (with discounts) |
$5k – $100k |
600 | ||
|
Joint moving loans | 6.25% to 35.99% |
$5k – $50k |
600 | ||
|
Low rates | 5.96% to 35.96% |
$1k – $75k |
600 | ||
|
Small, short-term moving loans | Up to 36.00% |
$200 – $2.5k |
None | ||
|
Using collateral | 7.74% to 35.99% (with discounts) |
$1k – $50k |
600 |
Read more about how we made our picks for best moving and relocation loans.
Best for: Overall moving loans – SoFi
- APR (with discounts)
- 6.99% to 35.49%
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions. Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 07/20/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibilitycriteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
- Get funding as soon as the same day
- Loan comes with a free financial planning session
- Can pay origination fee for a lower rate
- Lowest rates may require origination fee, regardless of your credit
- Must borrow at least $5,000
If you’re in the process of moving and need an online loan, check out SoFi. We’ve named it the best lender for moving and relocation loans.
As long as you apply by 5:30 p.m. Eastern time (ET) on a business day, you could get your money the same day that you’re approved. Plus, SoFi members get a free financial planning session with their loan. It’s a good idea to reevaluate your budget after a major life change, moving included.
SoFi’s origination fee structure is different from many lenders. It does not charge any mandatory fees. However, you can choose to pay an origination fee of 0.00% – 7.00% (optional) in exchange for a lower rate. Compare offers that do and don’t include the fee so you can find the option that works best for you.
If you opt for the origination fee, know that SoFi deducts this fee directly from your loan. Be sure to account for it to avoid a smaller loan than you anticipated.
You must meet the requirements below to get a loan from SoFi:
- Age: Be the age of majority in your state (typically 18)
- Citizenship: Be a U.S. citizen, an eligible permanent resident or a nonpermanent resident (a DACA recipient or asylum-seeker, for instance)
- Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
- Credit score: 600+
Best for: Joint moving loans – Achieve
- APR
- 6.25% to 35.99%
- Discount for adding a co-borrower
- Assigns you a dedicated loan consultant
- Track your spending with free app
- Charges an origination fee on every loan
- Must borrow $5,000
A joint loan makes sense if you’re sharing moving expenses with another person. Adding that person as a co-borrower will make them equally responsible for the loan, and with Achieve, you could also qualify for a rate discount.
As a bonus, Achieve’s GOOD app can help you stay on budget during your move and after you’ve settled in. Moving costs have a way of adding up, and many people find themselves spending more than expected on everything from utility deposits to furnishing their new home.
All loans from Achieve have an origination fee between 1.99% – 8.99%. Some lenders skip these, especially for borrowers with excellent credit.
Other than a credit score of at least 600, Achieve will typically ask you to provide the following documents and information:
- Proof of income
- Social Security number
- Government-issued ID
- Employment status
You must also live in an eligible U.S. state (Achieve operates in most states, with a small number excluded).
Best for: Low rates – Happen Bank
- APR
- 5.96% to 35.96%
- Some of the lowest rates on the market at time of writing
- Get 2% cash back if you pay on time (must also have a Happen Bank checking account with direct deposit)
- Allows due date changes
- May charge an origination fee
- Customer service is closed nights and Sundays
With a starting rate of 5.96%, Happen Bank (formerly LendingClub) is very competitive for excellent credit.
Happen Bank also offers online checking accounts, and pairing a moving loan with a checking account has its perks. You can earn 2% cash back for on-time loan payments, as long as you get at least one monthly direct deposit into your checking account.
Happen Bank charges an origination fee on some of its personal loans. Origination fees are typically more common when you have less-than-perfect credit.
To be eligible for a Happen Bank personal loan, you must meet the following requirements:
- Age: Be at least 18 years old
- Citizenship: Be a U.S. citizen or permanent resident
- Administrative: Have a verifiable bank account
- Credit score: 600+
Best for: Small, short-term moving loans – Upstart’s Short-term Relief loan
- APR
- Up to 36.00%
Upstart does not charge interest on its Short-Term Relief Loan. Instead, it charges a single origination fee (Up to 36%), which is spread across your loan payments.
- Smaller loans for smaller moving expenses
- Can still qualify with a short credit history or lower score
- Traditional personal loans
available for larger loan amounts and longer termsRates, terms and loan amounts vary between Upstart’s standard personal loan and its Short-Term Relief loan.
- No co-borrowers
- No mobile app for Android
Upstart is an online lending platform that helps connect borrowers with partner lenders. Along with standard personal loans, Upstart also offers small, short-term loans. These loans (ranging from $200 – $2,500) could be a good option if you need to bridge a cash gap between jobs or cover unexpected moving expenses.
Upstart doesn’t charge interest on its short-term loans, just an origination fee (up to 36.00%). Depending on your credit, you could be looking at a steep fee, but Upstart spreads it across your loan term, making it easier to manage.
It’s possible to qualify for Upstart with bad or no credit — it doesn’t have a formal credit score requirement. It also uses AI and alternative underwriting factors to help it approve more borrowers. However, Upstart doesn’t allow co-borrowers, so you won’t be able to strengthen your application by applying with another person.
Upstart has transparent eligibility requirements, including:
- Age: Be 18 or older
- Administrative: Have a U.S. address, personal banking account, email address and Social Security number
- Income: Have a valid source of income, including a job, job offer or another regular income source
- Credit-related factors: No bankruptcies within the last three years, reasonable number of recent inquiries on your credit report and no current delinquencies
- Credit score: None
Upstart’s Short-Term Relief loan is not available in the District of Columbia, Colorado, Connecticut, Georgia, Hawaii, Iowa, Maine, Maryland, Massachusetts, Nevada, New York, Vermont, West Virginia or Wisconsin.
Best for: Using collateral – Upgrade
- APR
- 7.74% to 35.99%
- Improve approval odds or get a lower rate by using your car as collateral
- Collateral is optional
- Allows due date changes
- All loans have an origination fee (1.85% – 9.99%)
- May find a lower rate if you have excellent credit and a high income
Online lending platform Upgrade accepts two forms of collateral: your paid-off car or your home’s permanent fixtures.
Using your home’s fixtures might not be an option if you don’t have much equity in your new home, but you may still be able to get a secured loan using your car. Secured loans are typically easier to qualify for and tend to have better rates. In trade, you could lose your car if you fall behind on loan payments.
Like many online lenders and lending platforms, Upgrade charges a mandatory origination fee between 1.85% – 9.99%. And while Upgrade is generally competitive, its higher starting annual percentage rate (APR) means that excellent-credit borrowers may find a better deal elsewhere.
To qualify for a loan through Upgrade, you must meet the requirements below:
- Age: Be at least 18 years old (19 in some states)
- Citizenship: Be a U.S. citizen, permanent resident or live in the U.S. with a valid visa
- Administrative: Have a valid bank account and email address
- Credit score: 600+
What is a moving loan?
A moving loan is a type of personal loan that you use for moving and relocation expenses.
Personal loans come with fixed monthly payments and a set repayment schedule. Paying your loan off early usually reduces the total interest you pay, depending on whether your loan has any prepayment penalties (most don’t).
Moving and relocation loans can typically be used for:
- Storage costs
- Plane tickets if traveling to house hunt
- Moving supplies, like boxes and tape
- Renting a van or truck (and filling its gas tank)
- Hiring professional movers
- New furnishings
- Security and utility deposits
- First and last month’s rent
- Hotel accommodations
- Covering everyday expenses (helpful if switching jobs)
How much does a moving loan cost?
Wondering how much you’d pay for a moving loan? Find your estimated APR in the table below. Then, use our personal loan calculator to see your monthly payment.
| Credit tier | Average APR |
|---|---|
| Excellent (800 and above) | 15.34% |
| Very good (740-799) | 17.46% |
| Good (670-739) | 22.70% |
| Fair (580-669) | 27.52% |
| Poor (under 580) | 30.51% |
Find your best rate with LendingTree
Moving is hard, but comparing loans doesn’t have to be. LendingTree makes it easy. Fill out one form and get lenders from the country’s largest network to compete for your business.
Tell us what you need
Take two minutes to tell us who you are and how much money you need. It’s free, simple and secure.
Shop your offers
LendingTree users get 11 personal loan offers on average. Compare your offers side by side to get the best deal.
Get your money
Pick a lender and sign your loan paperwork. You could see money in your account in as soon as 24 hours.
How to compare personal loans for moving
Comparing online loans is easier than you think, especially when you know what to look for.
- APR: Annual percentage rate (APR) shows you how much your loan costs over a year’s time, including interest and fees. The higher the APR, the more expensive the loan. Interest is already worked into your monthly payment.
- Loan term: A loan term is the length of time you have to pay off your loan. Longer loan terms can usually result in lower monthly payments, but the longer the loan, the more total interest you will pay.
- Origination fees: Some lenders charge origination fees. These fees are meant to cover loan processing and are typically a percentage of the loan. Lenders usually deduct origination fees from your loan proceeds, but some may add them to your loan balance (where it will be subject to interest).
- Customer service: Once you get your loan, hopefully you won’t have to interact with your lender much. But in case you do, it’s important to find a company that offers excellent service. LendingTree personal loan reviews and LendingTree user reviews are great places to start.
Alternatives to moving loans
A moving loan isn’t the only way to pay for relocation expenses. Depending on how much you need to borrow, how quickly you can repay it and what you’re financing, another option may be a better fit.
0% intro APR credit card
A 0% intro APR credit card is a credit card that has an interest-free period, otherwise known as an intro period. You’re able to skip paying interest as long as you pay your card off before your intro period ends. This can range anywhere from 12 to 21 months. Any balance left over once your intro period ends will be subject to interest moving forward. You usually need at least good credit for a 0% intro APR credit card.
Personal line of credit
A personal line of credit (PLOC) works similarly to a credit card, with some key differences. You can borrow as you need, up to your credit limit. However, interest accrues as soon as you withdraw rather than after your billing cycle. Still, PLOCs offer more flexibility than personal loans and lower interest rates than credit cards for those who have good credit.
Buy now, pay later
Buy now, pay later (BNPL) apps let you split retail purchases into multiple interest-free payments. Pay-in-4 is most common, which requires 25% down and 25% due every two weeks after that. BNPL can be great for disciplined shoppers, but beware — 68% of BNPL users say the apps lead them to overspend, according to LendingTree’s BNPL tracker.
Ask the author: What about standard credit cards?
Unless you can pay off your card before the end of your billing cycle, I don’t recommend using a traditional card for moving expenses. Moving loans usually have lower rates than credit cards if you have good credit. Credit card interest also compounds. Interest doesn’t grow on a moving loan as long as you make your payments on time.
Which financing option is right for your move?
Here are some general scenarios you might encounter when moving, and which financing option may best fit the bill.
| If you need… | Your best option may be… |
|---|---|
| One lump sum and 12+ months to repay | Moving loan |
| To cover smaller expenses and can repay quickly | 0% intro APR card |
| Access to money now and as expenses come up | Personal line of credit |
| To finance one purchase, like furniture | Buy now, pay later |
How we chose the best moving loans
We reviewed more than 40 lenders and loan marketplaces to determine the overall best loans for moving and relocation. To make this list, the company must offer personal loans with competitive APRs.
From there, we assessed each lender across four categories: eligibility and access; cost to borrow; loan terms and options; repayment support and tools.
According to our standardized rating system, the best moving loans come from SoFi, Achieve, Happen Bank, Upstart and Upgrade.
Our categories
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings. Read more about our editorial guidelines.
Why trust LendingTree’s methodology?
Our writers and editors dig through the facts, contact lenders directly and even go through the application process ourselves if it helps better explain what you can expect. As a Certified Financial Education Instructor℠, I’m committed to breaking down complex financial details so people can make confident, informed decisions with their money.
Jessica’s experience in editing and financial education helps shape LendingTree articles that are clear, accurate and truly useful to readers. Her certification means our recommendations are built on a foundation of consumer-first financial knowledge — not just numbers.
Frequently asked questions
No, you typically can’t use a personal loan to make a down payment on a house. Most mortgage lenders don’t allow borrowed funds for a down payment. Instead, they want to see that you have enough savings to purchase the home and can manage your finances responsibly.
Taking on a new personal loan could also increase your debt-to-income ratio, which may make it harder to qualify for a mortgage.
It’s possible to get a moving loan with bad credit, but rates will be higher and loan amounts will be smaller. Adding a co-borrower, offering collateral and comparing multiple offers can help you find a lender willing to work with you.
Most moving loans require at least fair credit (580+), but each lender sets its own eligibility criteria. Some, like Upstart, don’t have a formal minimum credit score requirement at all. Borrowers who do qualify with a lower score should expect higher rates and may find it worth it to improve their credit before applying.