Personalize Results
Proudly Sponsored On

Trusted & Secure

Empowering over 1,000,000 Users Since 2017
1
Best Overall
Credible
Expand details
Over 1,939 people chose Credible today
GET MY RATE visit Credible
Expand details

Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's secure site

  • Personalized rates from up to 8 vetted lenders in 2 minutes, ranging from 3.49% APR to 35.99% APR, all for free

  • Credible is best for those who value dedicated customer service throughout the loan process
  • Credible will give you $200 bonus if you close with a better rate elsewhere*

  • Outstanding customer service to help with your loan requests

  • No impact to your credit score to check personalized rates
Learn more
2
LendingTree
Expand details
GET MY RATE visit LendingTree
Expand details

LendingTree Highlights

  • 100% free to get your personal loan rate with LendingTree

  • Great for borrowers with fair/good/excellent credit

  • LendingTree has been in business since 1996
  • Online personal loan pre-qualification process takes just a few minutes on average!

  • Very simple process for finding your unique personal loan rate ranging from 3.99% to 35.99% APR

  • No impact to your credit score for applying
Learn more
3
AmOne
Expand details
GET MY RATE visit AmOne
Expand details

AmOne Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on AmOne's secure site

  • Instantly Matched to Appropriate Solutions

  • Highly Rated Providers Identified & Offered
  • Offered Nationwide Since 1999

  • U.S. Based Live Support

  • Easy & Efficient Process Saves Time
Learn more
4
LoansUnder36
  • Amount: $100 - $35,000
  • APR: 5.99% - 35.99%
  • Loan Terms: 3-72 months
Expand details
GET MY RATE visit LoansUnder36
Expand details

LoansUnder36 Highlights

  • Click "GET MY RATE" start your personal loan process on Loans under36's secure site and find your APR

  • LoansUnder36 presents a simple and fast way to fine a personal loan online with less than perfect credit

  • If you've been denied for a loan, this might be a good fit
  • Great for borrowers with damaged credit

  • Loan Term: 3-72 months

  • Applying won't affect your credit score
Learn more
5
Upstart
Expand details
GET MY RATE visit Upstart
Expand details

Upstart Highlights

  • Click "GET MY RATE" to find your personal loan rate on Upstart's secure site

  • Upstart goes beyond traditional lending metrics to help borrowers find financing that considers their education, work experience, and more

  • Perfect for those with a college degree but limited credit history
  • Founded by ex-Googlers—fair and fast personal loans

  • No prepayment penalties

  • No impact to your credit score for getting your rate (takes 5 minutes)
Learn more
6
5kFunds
Expand details
GET MY RATE visit 5kFunds
Expand details

5kFunds Highlights

  • Click "GET MY RATE" start your personal loan process on 5kFunds secure site and find your APR

  • 5kFunds matches you with top-rated online personal loans with absolutely no charge to you, with rates ranging from 5.99% to 35.99% APR

  • Well suited for borrowers who want a small loan of $1,000 to $3,000
  • Great for borrowers seeking small loans

  • Loan Term: 2-72 months

  • NOT recommended for good/excellent credit history
Learn more

Best Overall Choice:

1
Best Overall
Credible
Expand details
Over 1,939 people chose Credible today
GET MY RATE visit Credible
Expand details

Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's secure site

  • Personalized rates from up to 8 vetted lenders in 2 minutes, ranging from 3.49% APR to 35.99% APR, all for free

  • Credible is best for those who value dedicated customer service throughout the loan process
  • Credible will give you $200 bonus if you close with a better rate elsewhere*

  • Outstanding customer service to help with your loan requests

  • No impact to your credit score to check personalized rates
Learn more
2
LendingTree
Expand details
GET MY RATE visit LendingTree
Expand details

LendingTree Highlights

  • 100% free to get your personal loan rate with LendingTree

  • Great for borrowers with fair/good/excellent credit

  • LendingTree has been in business since 1996
  • Online personal loan pre-qualification process takes just a few minutes on average!

  • Very simple process for finding your unique personal loan rate ranging from 3.99% to 35.99% APR

  • No impact to your credit score for applying
Learn more
3
AmOne
Expand details
GET MY RATE visit AmOne
Expand details

AmOne Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on AmOne's secure site

  • Instantly Matched to Appropriate Solutions

  • Highly Rated Providers Identified & Offered
  • Offered Nationwide Since 1999

  • U.S. Based Live Support

  • Easy & Efficient Process Saves Time
Learn more
4
LoansUnder36
  • Amount: $100 - $35,000
  • APR: 5.99% - 35.99%
  • Loan Terms: 3-72 months
Expand details
GET MY RATE visit LoansUnder36
Expand details

LoansUnder36 Highlights

  • Click "GET MY RATE" start your personal loan process on Loans under36's secure site and find your APR

  • LoansUnder36 presents a simple and fast way to fine a personal loan online with less than perfect credit

  • If you've been denied for a loan, this might be a good fit
  • Great for borrowers with damaged credit

  • Loan Term: 3-72 months

  • Applying won't affect your credit score
Learn more
5
Upstart
Expand details
GET MY RATE visit Upstart
Expand details

Upstart Highlights

  • Click "GET MY RATE" to find your personal loan rate on Upstart's secure site

  • Upstart goes beyond traditional lending metrics to help borrowers find financing that considers their education, work experience, and more

  • Perfect for those with a college degree but limited credit history
  • Founded by ex-Googlers—fair and fast personal loans

  • No prepayment penalties

  • No impact to your credit score for getting your rate (takes 5 minutes)
Learn more
6
5kFunds
Expand details
GET MY RATE visit 5kFunds
Expand details

5kFunds Highlights

  • Click "GET MY RATE" start your personal loan process on 5kFunds secure site and find your APR

  • 5kFunds matches you with top-rated online personal loans with absolutely no charge to you, with rates ranging from 5.99% to 35.99% APR

  • Well suited for borrowers who want a small loan of $1,000 to $3,000
  • Great for borrowers seeking small loans

  • Loan Term: 2-72 months

  • NOT recommended for good/excellent credit history
Learn more

Best Choice for a Debt Consolidation Loan

Expand details
GET MY RATE visit DebtBye
Expand details

DebtBye Highlights

  • Click GET MY RATE to find your unique debt consolidation loan rate on DebtBye’s secure site
  • No upfront fees & no obligations!
  • Trusted & secure online market for debt consolidation
  • Consolidate all your debt into an affordable monthly payment
  • Fast & easy process that won’t hurt credit
  • Substitute for bankruptcy

Learn more

Top-Rated Loan Companies
No Hidden Fees
Won’t Harm Credit Score
Proudly Sponsored On

Best Consolidation Loans

Although it’s hard to go wrong with any of the top-rated credit card consolidation companies on this page, here are the top two choices:

How Low Can My Rates Get?

Simply put, loan rates are different for everyone. The rates you’ll get depend mostly on your credit score, income, and chosen loan amount. To instantly get your loan rates, click “GET MY RATE” with any loan offer on this page.

Note: The loan companies on this page offer loans ranging from 3.49% APR to 35.99% APR. However, your exact personal loan rate depends on your credit score, income, loan amount, and chosen loan terms.

Overall, Credible is the best choice for finding the lowest loan rates, because after filling out the 2 minute form, they search 8 lenders, and you can pick the lender with the lowest rates for you.

1. Credible

  • Best for: No Fees & Great Customer Service
  • Impact to Credit Score: None
  • Application time: 2 minutes

Credible is another great way to find a loan in 2020. There are no fees, and what sets Credible apart from other loan companies is their unparalleled customer service via phone and email. If you have any questions at all, Credible is standing by to help with your loan request. Moreover, the entire loan process only takes 2 minutes. If you find a lower personal loan rate, Credible will actually give you up to $200. Although terms apply, it’s a pretty good deal.

Learn more about Credible’s $200 bonus offer or Visit Credible to get a loan.

2. LendingTree

  • Best for: Comparing multiple loan options
  • Impact to Credit Score: None
  • Completion time: 2 minutes

LendingTree offers a simple, fast, and easy way to compare multiple loan options in one place. It only takes a few minutes, and there are no hidden fees.

You’ll have to answer some basic questions about your credit score and income, but it’s very straightforward. The best part about AmOne is the large number of lenders that the company works with and can get you prequalified for.

View LendingTree Offers

What Can I use a Personal Loan For?

Personal loans can be used for almost anything! Some of the most popular uses include:

  • Credit card debt consolidation
  • General debt consolidation
  • Lowering interest rates for outstanding bills
  • Improving your credit score
  • Pay for a wedding
  • New boat, RV, or other item that typically doesn’t have financing
  • Medical bills
  • Virtually any other reason

According to research by Finder, roughly 83.5 million Americans have personal loans, with the most common use being credit card debt consolidation. Typically, credit cards can have APRs above 35%. Personal loans, on the other hand, typically have APRs around 7% to 30%.

Many Americans would rather pay 7% annually to borrow money, and use this borrowed money to pay off their higher interest debts, like credit cards.

Should I Get a Personal Loan to Consolidate Debt?

Yes! One should always replace high-interest debt with low-interest debt. Personal loans are considered low-interest debt.The borrowing cost with personal loans can be very low, but the APR with credit cards and other high-interest debts is often through the roof!

Personal loans, often called “unsecured personal loans,” are loans that are issued to individuals based on their creditworthiness. One of the best things about personal loans is that there is no collateral involved. You don’t have to use your house, car, or any other asset to receive a personal loan.

We spent 500+ hours searching for the best personal loans of 2020, because not all personal loans are made equal. Many shady online lenders have high variable rates and lots of hidden fees. None of the lenders on this page have hidden fees, and all are highly rated and respected.

If you need to consolidate debt, finance a purchase or major event like a wedding, or if you just need cash, personal loans are a great option. The typical interest rates for personal loan range from 3.84% to 35.99%. This is significantly lower than the typical APR for a credit card, which is another common form of borrowing.

Personal Loan Myths

One of the most common misconceptions about personal loans is that they somehow negatively effect your credit score.

For most cases, this is not true. There’s often no impact on your personal credit score to see if you qualify for a personal loan. And once you receive your personal loan funds, and you begin to make timely monthly repayments, your credit score can actually improve.

The only way a loan can harm your credit score is if you fail to make your payments.

Summary: Best Personal Loans for Debt Consolidation

1
Best Overall
Credible
Expand details
Over 1,939 people chose Credible today
GET MY RATE visit Credible
Expand details

Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's secure site

  • Personalized rates from up to 8 vetted lenders in 2 minutes, ranging from 3.49% APR to 35.99% APR, all for free

  • Credible is best for those who value dedicated customer service throughout the loan process
  • Credible will give you $200 bonus if you close with a better rate elsewhere*

  • Outstanding customer service to help with your loan requests

  • No impact to your credit score to check personalized rates
Learn more
2
LendingTree
Expand details
GET MY RATE visit LendingTree
Expand details

LendingTree Highlights

  • 100% free to get your personal loan rate with LendingTree

  • Great for borrowers with fair/good/excellent credit

  • LendingTree has been in business since 1996
  • Online personal loan pre-qualification process takes just a few minutes on average!

  • Very simple process for finding your unique personal loan rate ranging from 3.99% to 35.99% APR

  • No impact to your credit score for applying
Learn more
3
AmOne
Expand details
GET MY RATE visit AmOne
Expand details

AmOne Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on AmOne's secure site

  • Instantly Matched to Appropriate Solutions

  • Highly Rated Providers Identified & Offered
  • Offered Nationwide Since 1999

  • U.S. Based Live Support

  • Easy & Efficient Process Saves Time
Learn more
4
LoansUnder36
  • Amount: $100 - $35,000
  • APR: 5.99% - 35.99%
  • Loan Terms: 3-72 months
Expand details
GET MY RATE visit LoansUnder36
Expand details

LoansUnder36 Highlights

  • Click "GET MY RATE" start your personal loan process on Loans under36's secure site and find your APR

  • LoansUnder36 presents a simple and fast way to fine a personal loan online with less than perfect credit

  • If you've been denied for a loan, this might be a good fit
  • Great for borrowers with damaged credit

  • Loan Term: 3-72 months

  • Applying won't affect your credit score
Learn more
5
Upstart
Expand details
GET MY RATE visit Upstart
Expand details

Upstart Highlights

  • Click "GET MY RATE" to find your personal loan rate on Upstart's secure site

  • Upstart goes beyond traditional lending metrics to help borrowers find financing that considers their education, work experience, and more

  • Perfect for those with a college degree but limited credit history
  • Founded by ex-Googlers—fair and fast personal loans

  • No prepayment penalties

  • No impact to your credit score for getting your rate (takes 5 minutes)
Learn more
6
5kFunds
Expand details
GET MY RATE visit 5kFunds
Expand details

5kFunds Highlights

  • Click "GET MY RATE" start your personal loan process on 5kFunds secure site and find your APR

  • 5kFunds matches you with top-rated online personal loans with absolutely no charge to you, with rates ranging from 5.99% to 35.99% APR

  • Well suited for borrowers who want a small loan of $1,000 to $3,000
  • Great for borrowers seeking small loans

  • Loan Term: 2-72 months

  • NOT recommended for good/excellent credit history
Learn more
cool good eh love2 cute confused notgood numb disgusting fail