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1
our #1 pick
LendingTree
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1,694 people chose LendingTree today
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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 2.49% to 35.99% APR

  • No impact to your credit score for applying
IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender.
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2
MagnifyMoney
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MagnifyMoney Highlights

  • Free, personalized rates and offers in minutes

  • Easy to apply and funding as fast as 24 hours

  • Great for borrowers with fair/good/excellent credit
  • Nationwide lender network

  • Customer-rated lender reviews

  • No impact to your credit score for getting rates
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3
LoansUnder36
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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
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4
5kFunds
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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
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Best Overall Choice:

1
our #1 pick
LendingTree
Expand details
1,694 people chose LendingTree today
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 2.49% to 35.99% APR

  • No impact to your credit score for applying
IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender.
Learn more
2
MagnifyMoney
Expand details
Expand details

MagnifyMoney Highlights

  • Free, personalized rates and offers in minutes

  • Easy to apply and funding as fast as 24 hours

  • Great for borrowers with fair/good/excellent credit
  • Nationwide lender network

  • Customer-rated lender reviews

  • No impact to your credit score for getting rates
Learn more
3
LoansUnder36
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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
4
5kFunds
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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

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.

Representative loan example: if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97.

Note: The loan companies on this page offer loans ranging from 2.49% APR to 35.99% APR. However, your exact personal loan rate depends on your credit score, income, loan amount, and chosen loan terms.

1. 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 LendingTree is the large number of lenders that the company works with and can get you prequalified for.

View LendingTree Offers

2. 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 2021. 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.

Are You a Homeowner? Refinance & Get Cash Out!

New American Funding is a top-rated mortgage refinancing company that allows homeowners to pull out cash from their home and refinance 100% online.

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
  • Major purchase
  • Home improvements and renovations
  • Pay for a wedding
  • New boat, RV, or other item that typically doesn’t have financing
  • Medical bills
  • Virtually any other reason

About Personal Loans

One of the most common misconceptions about personal loans is that getting a loan will harm your credit score.

Simply put, this is NOT true! Personal loans will actually improve your credit score (even if it’s in the good/excellent range) with on-time payments. In fact, this is one of the many benefits of a personal loan.

What to Look for in a Personal Loan

When finalizing your personal loan, you will typically be presented with multiple offers from different lenders and banks. Make sure you pick the offer that works best for your financial situation.

Longer term loans tend to have slightly higher interest rates. Whereas, loans over shorter periods of time, like just 1 year, tend to have the lowest interest rates, but will typically see higher monthly payments.

Luckily, the Federal Funds interest rate, the benchmark interest rate set by the United States Treasury, is currently at 0.00%, so interest rates can only go up from here.

Best Overall Choice

1
our #1 pick
LendingTree
Expand details
1,694 people chose LendingTree today
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 2.49% to 35.99% APR

  • No impact to your credit score for applying
IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender.
Learn more
2
MagnifyMoney
Expand details
Expand details

MagnifyMoney Highlights

  • Free, personalized rates and offers in minutes

  • Easy to apply and funding as fast as 24 hours

  • Great for borrowers with fair/good/excellent credit
  • Nationwide lender network

  • Customer-rated lender reviews

  • No impact to your credit score for getting rates
Learn more
3
LoansUnder36
Expand details
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
4
5kFunds
Expand details
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
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