Rocket Loans Personal Loan is a personal loan from Rocket Loans. The ongoing APR is 7.99% (with autopay discount) to 29.99% (without autopay discount). Approval typically requires a credit score of 640 or higher. Typical credit limit: $2,000 to $75,000. Loan terms: 36 or 60 months; Fixed amount repaid in equal monthly payments (fully amortizing installment loan). No prepayment penalty: extra payments can be made at any time.