Can I get a loan for a 'DIY divorce' without hiring a lawyer?

Yes, absolutely. A personal loan is flexible. You can use the funds to cover any costs associated with your divorce, including court filing fees, fees for online document preparation services, or paying a mediator to help you and your spouse finalize an agreement. It's an ideal solution for funding the various components of a self-managed, simple divorce.

Should my ex-spouse and I apply for the loan together?

It is generally recommended to apply individually. The purpose of an uncontested divorce is to separate your lives, including your finances. An individual personal loan is your own obligation, based on your own credit and income. This creates a clean financial break and prevents future complications or disagreements about who is responsible for the payments.

How quickly can I get funds to pay my divorce lawyer?

The process is very fast. After you select a loan offer and complete the final verification with the lender, funds are typically deposited directly into your bank account within 1 to 3 business days. This speed allows you to pay your legal retainer promptly and keep the divorce process moving without delay.

Will taking out a loan affect my divorce settlement?

No. A personal loan taken out in your own name after you have decided to separate is typically considered your separate debt and does not impact the division of marital assets and liabilities. It is a post-separation financial tool to manage your personal expenses, including the cost of the divorce itself. However, it's always wise to consult with your legal advisor on such matters.

Can I use the loan for more than just legal fees?

Yes. While the primary purpose is to cover the direct costs of an uncontested divorce, the funds from an unsecured personal loan can be used for related expenses. This could include the security deposit on a new apartment, purchasing essential furniture, or other costs associated with setting up a new, independent household. It provides the flexibility you need during a period of transition.

What happens if I have less-than-perfect credit?

While a higher credit score will help you secure the best rates, many of our lending partners work with a wide range of credit profiles, often starting in the 600s. The best way to know for sure is to check your rate. The initial inquiry is a 'soft pull' on your credit, so it won’t affect your score, and it will give you a clear idea of what options may be available to you.

Finance Your Uncontested Divorce

Get a small personal loan to cover the legal and filing fees for a simple, amicable divorce, and move forward without financial stress.

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An amicable split shouldn't be a financial burden.

Even a 'cheap divorce' has upfront legal and filing fees that can be hard to cover.
A small personal loan provides the cash you need right away to pay retainers and court costs.
Using joint savings or a credit card for legal costs can create new friction.
An individual loan keeps finances separate and avoids high-interest credit card debt.
You just want to finalize things quickly without a prolonged financial negotiation.
Fast funding means you can pay your legal help and move forward with the process immediately.
Finding an affordable divorce lawyer is one thing; paying them is another.
Financing turns a large upfront bill into manageable monthly payments that fit your new budget.

How a Small Loan Simplifies Uncontested Divorce Costs

When a couple agrees on all terms, an uncontested divorce is the simplest, most affordable path to separation. However, 'simple' doesn't mean free. There are still court filing fees, potential costs for mediation, and fees for a low-cost divorce attorney or paralegal to review your paperwork. A personal loan for an uncontested divorce is not about funding a contentious legal battle; it's a small, targeted financial tool designed to cover these specific, predictable expenses. It allows you to handle the final financial step cleanly and efficiently, without draining your savings or resorting to high-interest credit cards.

By securing a small loan, you can pay all associated fees upfront. This is particularly helpful in a 'DIY divorce' scenario where you might be paying for document preparation services or a flat-fee legal review. It removes the financial awkwardness of deciding who pays what from which account. Instead, you get a lump sum, settle the costs, and then manage a simple, predictable monthly payment on your own terms. This financial independence is often the first step toward building your new, separate life, allowing you to close the previous chapter with clarity and peace of mind.

Your Simple 3-Step Loan Process

1
Check your rate online
Fill out our short form in about 2 minutes. This will not impact your credit score.
2
Review your loan offers
If you pre-qualify, you'll see loan amounts, terms, and APRs from our network of lenders.
3
Receive your funds
Once you select an offer and are approved, funds are typically deposited into your account in 1-3 business days.

See Your Loan Options Now

Get a clear picture of what you could borrow. It's fast, free, and won't affect your credit.

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Breaking Down the Costs of a Cheap Divorce

The total cost for an uncontested divorce varies by state and complexity, but it is significantly less than a contested one. Understanding the components helps you borrow the right amount. Your loan can cover any or all of these common expenses, ensuring you don't face unexpected bills during an already stressful time. Here's a typical breakdown:

Typical Costs Covered by an Uncontested Divorce Loan

Court Filing Fees Varies by state	$300 - $500
Paralegal / Document Preparation For DIY divorce assistance	$500 - $1,500
Attorney Flat Fee (Review/Consult) For inexpensive divorce lawyers	$500 - $2,500
Mediation Services (if needed) To finalize specific terms	$500 - $1,000

Estimated monthly

$60/mo

Based on a $2,500 loan with a 5-year term at 15% APR. Your actual rate will vary.

Loan amount: $1,000 – $5,000
APR: 7.99% – 35.99%
Term: 24 mo – 60 mo

Your actual APR depends on credit score, loan amount, term, and credit history. The lowest rates require excellent credit. Loan amounts and terms are tailored to this specific use case; larger loans may be available for other purposes.

Personal Loans vs. Other Options for Divorce Fees

When facing legal fees, you have a few choices. While using a credit card or borrowing from family might seem easier, a personal loan offers structure and clarity that is invaluable during a life transition. The fixed interest rate and predictable monthly payment mean you know exactly how much you'll pay and when the debt will be cleared, preventing the financial overhang that can come with other options.

Financing Options for Divorce Fees

	Personal Loan	Credit Card	Borrowing from Family
Interest Rate	Fixed, often lower	Variable, often higher	N/A (relational cost)
Repayment	Predictable monthly payment	Flexible, can prolong debt	Can strain relationships
Financial Privacy	Confidential process	Confidential	Requires disclosure
Best For	Structured, one-time costs	Very small, immediate fees	When other options fail

Find out if you qualify.

A personal loan offers a clear path forward with no surprises.

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Qualifying for an Uncontested Divorce Loan

Lenders look at several factors to determine your eligibility for a personal loan. Because this is an individual loan, your application will be based on your personal financial standing, not your former partner's. This is a key advantage, as it allows you to secure financing based on your own merit as you move into your next chapter.

What Lenders Typically Look For

Credit Score: Most lending partners look for a score of 600 or higher. A better score generally leads to a lower APR.
Verifiable Income: You'll need to show a steady source of income through pay stubs, bank statements, or tax returns.
Debt-to-Income (DTI) Ratio: Lenders assess your existing debt payments relative to your income to ensure you can afford the new loan payment.
Credit History: A consistent history of on-time payments on other debts is a strong positive signal to lenders.

If you're concerned about qualifying, checking your credit report for errors and paying down small credit card balances can help improve your profile before applying.

Example scenario

Getting a small loan took the financial awkwardness out of the process. We split the payment, paid our lawyers, and finalized everything without arguing about money. It was a huge relief.

Alex P.·Recently Divorced, Austin, TX

Common Mistakes to Avoid When Paying for a Simple Divorce

Navigating the finances of even an amicable divorce can be tricky. A little planning can help you avoid common pitfalls that add stress and cost.

Underestimating Costs: Even a 'cheap divorce' has multiple fees. Get a clear, itemized quote from your attorney or document service first, then borrow only what you need to cover it.
Using High-Interest Credit Cards: The convenience of plastic can lead to years of expensive, revolving debt. A fixed-term loan has a clear end date and often a much lower interest rate.
Ignoring Origination Fees: Some lenders charge an upfront fee, deducted from your loan proceeds. Be sure to factor this in when reviewing your loan offers to understand the net amount you'll receive.
Delaying the Process: Waiting to secure funds can drag out the divorce. Having financing in place allows you to act decisively and move on with your life sooner.

Ready to take the next step?

See your personalized rate in minutes to get clarity on your options, with no obligation and no impact on your credit score.

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Questions About Uncontested Divorce Loans

Can I get a loan for a 'DIY divorce' without hiring a lawyer?
Yes, absolutely. A personal loan is flexible. You can use the funds to cover any costs associated with your divorce, including court filing fees, fees for online document preparation services, or paying a mediator to help you and your spouse finalize an agreement. It's an ideal solution for funding the various components of a self-managed, simple divorce.
Should my ex-spouse and I apply for the loan together?
It is generally recommended to apply individually. The purpose of an uncontested divorce is to separate your lives, including your finances. An individual personal loan is your own obligation, based on your own credit and income. This creates a clean financial break and prevents future complications or disagreements about who is responsible for the payments.
How quickly can I get funds to pay my divorce lawyer?
The process is very fast. After you select a loan offer and complete the final verification with the lender, funds are typically deposited directly into your bank account within 1 to 3 business days. This speed allows you to pay your legal retainer promptly and keep the divorce process moving without delay.
Will taking out a loan affect my divorce settlement?
No. A personal loan taken out in your own name after you have decided to separate is typically considered your separate debt and does not impact the division of marital assets and liabilities. It is a post-separation financial tool to manage your personal expenses, including the cost of the divorce itself. However, it's always wise to consult with your legal advisor on such matters.
Can I use the loan for more than just legal fees?
Yes. While the primary purpose is to cover the direct costs of an uncontested divorce, the funds from an unsecured personal loan can be used for related expenses. This could include the security deposit on a new apartment, purchasing essential furniture, or other costs associated with setting up a new, independent household. It provides the flexibility you need during a period of transition.
What happens if I have less-than-perfect credit?
While a higher credit score will help you secure the best rates, many of our lending partners work with a wide range of credit profiles, often starting in the 600s. The best way to know for sure is to check your rate. The initial inquiry is a 'soft pull' on your credit, so it won’t affect your score, and it will give you a clear idea of what options may be available to you.

Ready to move forward?

Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.