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See our picks for the best $4000 personal loans. Plus, learn how to get a loan and how your credit may affect your loan options.&Nov 24, 2025 â You can borrow $4,000 with bad credit from Upstart, Lending Point and First Tech Federal Credit Union, among other lenders._3 days ago â This comprehensive guide explores everything you need to know about securing a $4,000 loan that fits your unique financial situation. 4k */Try applying for the Chase Slate credit card. They offer an introductory 0% on balance transfers with no transfer fee for the first 60 days.~Have a regular monthly source of income of at least $ 1000 after taxes; Have an active bank account; Provide government issued ID; Provide phone and email. Why *~Discover® offers personal loans from $2500 to $40000, APRs from 7.99% to 24.99%, flexible terms, no fees, and funds sent as early as the next business day *_Apply for FAFSA, the community college should have it. Speak with your counselor or student services to guide you on how to apply. Its free *