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1
our #1 pick
Credible
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Over 891 people chose Credible today
GET MY RATE via Credible's secure site
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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 18 vetted lenders in 2 minutes, ranging from 5.40% 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. ⓘ Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
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2
LendingTree
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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 for 26 years
  • 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

  • 111M people helped with over 3.4M loans approved
  • No impact to your credit score for applying
IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender.
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3
SoFi
  • Max Loan: $100,000
  • APR: 5.74% - 35.99%
  • Loan Term: 24-60 months
  • Loan fee: no
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SoFi Highlights

  • Sofi is a popular digital lender with low rates, no origination fees, no prepayment fees, or other "hidden fees"

  • SoFi allows you to view rates in as little as 60 seconds

  • To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score.

  • With the SoFi Personal Loan, the minimum amount you can borrow is $5,000 in most states and the maximum is $100,000.

  • No impact to your credit score for checking rates
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4
LightStream
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LightStream Highlights

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

  • 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 as soon as the same day your loan is approved
  • Perfect for those with excellent

  • No origination, prepayment, or late fees

  • No impact to your credit score for checking rates
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5
LendingClub
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LendingClub Highlights

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

  • LendingClub has issued over $60 billion is personal loans

  • Over 3,000,000 customers
  • You can get your money on the same day your loan is approved
  • Low, fixed rates and fixed monthly payments

  • Small origination fee of 3% to 6%

  • No impact to your credit score for checking rates
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6
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
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7
MagnifyMoney
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GET MY RATE via MagnifyMoney's secure site
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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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8
Bankrate
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GET MY RATE visit Bankrate
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Bankrate Highlights

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

  • Great for borrowers with fair/good/excellent credit

  • Fast & easy way to find a personal loan
  • Take just two minutes to answer questions about yourself and the loan you need. This service is free, and it won't affect your credit score.

  • Your info protected with bank-level security

  • Of the 32 lenders reviewed, 12 made Bankrate's list of best personal loans. Get your best rate from Bankrate's network of 12 top-rated lenders.
IMPORTANT Bankrate DISCLOSURE: Bankrate is NOT a direct lender.
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Best Overall Choice:

1
our #1 pick
Credible
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Over 891 people chose Credible today
GET MY RATE via Credible's secure site
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 18 vetted lenders in 2 minutes, ranging from 5.40% 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. ⓘ Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
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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

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
Credible
Expand details
Over 891 people chose Credible today
GET MY RATE via Credible's secure site
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 18 vetted lenders in 2 minutes, ranging from 5.40% 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. ⓘ Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
Learn more
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