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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.
Learn more
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
Learn more
3
Credible
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Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's site, secured with 256-bit encryption

  • Personalized rates from up to 17 vetted lenders in 2 minutes, ranging from 2.49% 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
*See Credible’s site for full Terms & Conditions on the personal loans “best rate guarantee” deal.
Learn more
4
Best Egg
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Best Egg Highlights

  • Best Egg is best for those with good and excellent credit scores who want a personal loan with low rates

  • A+ rates with the Better Business Bureau

  • Excellent choice for homeowners
  • Best Egg's application can be completed in seconds online, and if approved, the loan can be funded in as little as one business day

  • Since it's founding, BestEgg has funded over 600,000 loans

  • No impact to your credit score for checking rates
Learn more
5
Prosper
  • Max Loan: $40,000
  • APR: 7.95% - 35.99%
  • Loan Term: 36-60 months
  • Loan fee: yes
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Prosper Highlights

  • Prosper is a popular peer-to-peer lending platform that offers loans to borrowers with 640+ credit scores

  • Offers low interest, fixed term loans ranging from $2,000 to $40,000

  • Low, fixed rates and fixed monthly payments
  • Over $18 billon borrowed all-time

  • Borrowers can receive their money in as little as 3 days after accepting a personal loan offer

  • No impact to your credit score for checking rates
Learn more
6
SoFI
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SoFi Highlights

  • Click "GET MY RATE" to find your personal loan rate for SoFi on our secure partner site, Fiona

  • SoFi loans money for nearly any purpose, but it's not a bank

  • SoFi Personal Loans are 100% fee-free. No origination fees. No pre-payment fees. No late fees.
  • Borrow up to $100k with low rates and a simple online application

  • Access to live customer support 7 days a week

  • Soft pull with no impact to your credit score for checking your rate
*with AutoPay.
Learn more
7
Payoff
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Payoff Highlights

  • Outstanding choice for debt consolidation

  • Focused on getting you out of debt

  • A single, fixed, and affordable monthly payment to simplify your life
  • No application fees, no late fees, and no prepayment fees

  • Paying off your credit cards can help increase your credit score

  • No impact to your credit score for checking rates
Learn more
8
LightStream
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LightStream Highlights

  • Click "GET MY RATE" to find your personal loan rate for LightStream on our secure partner site, Fiona.

  • LightStream offers personal loans for practically any need, which includes home renovations, credit card consolidation, auto refinancing, medical bills, and more

  • LightStream offers a joint application option and an autopay discount
  • You can get your money on the same day your loan is approved
  • Perfect for those with excellent or a credit score of 670 and above

  • No origination, prepayment, or late fees

  • No impact to your credit score for checking rates
Learn more
9
Upgrade
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Upgrade Highlights

  • $1,000 to $50,000 for pretty much any reason

  • Allows co-signed, secured and joint loans

  • Customer service representatives available every day
  • Accept an offer and Upgrade will send your money to your bank account within a day of clearing necessary verifications

  • No prepayment fees & affordable monthly payments

  • No impact to your credit score for checking rates
Learn more

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
Credible
Expand details
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Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's site, secured with 256-bit encryption

  • Personalized rates from up to 17 vetted lenders in 2 minutes, ranging from 2.49% 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
*See Credible’s site for full Terms & Conditions on the personal loans “best rate guarantee” deal.
Learn more
4
Best Egg
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Best Egg Highlights

  • Best Egg is best for those with good and excellent credit scores who want a personal loan with low rates

  • A+ rates with the Better Business Bureau

  • Excellent choice for homeowners
  • Best Egg's application can be completed in seconds online, and if approved, the loan can be funded in as little as one business day

  • Since it's founding, BestEgg has funded over 600,000 loans

  • No impact to your credit score for checking rates
Learn more
5
Prosper
  • Max Loan: $40,000
  • APR: 7.95% - 35.99%
  • Loan Term: 36-60 months
  • Loan fee: yes
Expand details
Expand details

Prosper Highlights

  • Prosper is a popular peer-to-peer lending platform that offers loans to borrowers with 640+ credit scores

  • Offers low interest, fixed term loans ranging from $2,000 to $40,000

  • Low, fixed rates and fixed monthly payments
  • Over $18 billon borrowed all-time

  • Borrowers can receive their money in as little as 3 days after accepting a personal loan offer

  • No impact to your credit score for checking rates
Learn more
6
SoFI
Expand details
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SoFi Highlights

  • Click "GET MY RATE" to find your personal loan rate for SoFi on our secure partner site, Fiona

  • SoFi loans money for nearly any purpose, but it's not a bank

  • SoFi Personal Loans are 100% fee-free. No origination fees. No pre-payment fees. No late fees.
  • Borrow up to $100k with low rates and a simple online application

  • Access to live customer support 7 days a week

  • Soft pull with no impact to your credit score for checking your rate
*with AutoPay.
Learn more
7
Payoff
Expand details
Expand details

Payoff Highlights

  • Outstanding choice for debt consolidation

  • Focused on getting you out of debt

  • A single, fixed, and affordable monthly payment to simplify your life
  • No application fees, no late fees, and no prepayment fees

  • Paying off your credit cards can help increase your credit score

  • No impact to your credit score for checking rates
Learn more
8
LightStream
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LightStream Highlights

  • Click "GET MY RATE" to find your personal loan rate for LightStream on our secure partner site, Fiona.

  • LightStream offers personal loans for practically any need, which includes home renovations, credit card consolidation, auto refinancing, medical bills, and more

  • LightStream offers a joint application option and an autopay discount
  • You can get your money on the same day your loan is approved
  • Perfect for those with excellent or a credit score of 670 and above

  • No origination, prepayment, or late fees

  • No impact to your credit score for checking rates
Learn more
9
Upgrade
Expand details
Expand details

Upgrade Highlights

  • $1,000 to $50,000 for pretty much any reason

  • Allows co-signed, secured and joint loans

  • Customer service representatives available every day
  • Accept an offer and Upgrade will send your money to your bank account within a day of clearing necessary verifications

  • No prepayment fees & affordable monthly payments

  • No impact to your credit score for checking rates
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
Credible
Expand details
Expand details

Credible Highlights

  • Click "GET MY RATE" to find your unique personal loan rate on Credible's site, secured with 256-bit encryption

  • Personalized rates from up to 17 vetted lenders in 2 minutes, ranging from 2.49% 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
*See Credible’s site for full Terms & Conditions on the personal loans “best rate guarantee” deal.
Learn more
4
Best Egg
Expand details
Expand details

Best Egg Highlights

  • Best Egg is best for those with good and excellent credit scores who want a personal loan with low rates

  • A+ rates with the Better Business Bureau

  • Excellent choice for homeowners
  • Best Egg's application can be completed in seconds online, and if approved, the loan can be funded in as little as one business day

  • Since it's founding, BestEgg has funded over 600,000 loans

  • No impact to your credit score for checking rates
Learn more
5
Prosper
  • Max Loan: $40,000
  • APR: 7.95% - 35.99%
  • Loan Term: 36-60 months
  • Loan fee: yes
Expand details
Expand details

Prosper Highlights

  • Prosper is a popular peer-to-peer lending platform that offers loans to borrowers with 640+ credit scores

  • Offers low interest, fixed term loans ranging from $2,000 to $40,000

  • Low, fixed rates and fixed monthly payments
  • Over $18 billon borrowed all-time

  • Borrowers can receive their money in as little as 3 days after accepting a personal loan offer

  • No impact to your credit score for checking rates
Learn more
6
SoFI
Expand details
Expand details

SoFi Highlights

  • Click "GET MY RATE" to find your personal loan rate for SoFi on our secure partner site, Fiona

  • SoFi loans money for nearly any purpose, but it's not a bank

  • SoFi Personal Loans are 100% fee-free. No origination fees. No pre-payment fees. No late fees.
  • Borrow up to $100k with low rates and a simple online application

  • Access to live customer support 7 days a week

  • Soft pull with no impact to your credit score for checking your rate
*with AutoPay.
Learn more
7
Payoff
Expand details
Expand details

Payoff Highlights

  • Outstanding choice for debt consolidation

  • Focused on getting you out of debt

  • A single, fixed, and affordable monthly payment to simplify your life
  • No application fees, no late fees, and no prepayment fees

  • Paying off your credit cards can help increase your credit score

  • No impact to your credit score for checking rates
Learn more
8
LightStream
Expand details
Expand details

LightStream Highlights

  • Click "GET MY RATE" to find your personal loan rate for LightStream on our secure partner site, Fiona.

  • LightStream offers personal loans for practically any need, which includes home renovations, credit card consolidation, auto refinancing, medical bills, and more

  • LightStream offers a joint application option and an autopay discount
  • You can get your money on the same day your loan is approved
  • Perfect for those with excellent or a credit score of 670 and above

  • No origination, prepayment, or late fees

  • No impact to your credit score for checking rates
Learn more
9
Upgrade
Expand details
Expand details

Upgrade Highlights

  • $1,000 to $50,000 for pretty much any reason

  • Allows co-signed, secured and joint loans

  • Customer service representatives available every day
  • Accept an offer and Upgrade will send your money to your bank account within a day of clearing necessary verifications

  • No prepayment fees & affordable monthly payments

  • No impact to your credit score for checking rates
Learn more
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