Best Private Party Auto Loans 2026

Best Overall Choice:

1

our #1 pick

Credible

Credible

Credible

Best rate guarantee*
• Max Loan: $100,000
• APR: 5.20% - 35.99%
• Loan Terms: 24-84 months

Expand details

Over 891 people chose Credible today

GET STARTED 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 16 vetted lenders in 2 minutes, ranging from 5.20% - 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

2

Best for denied requests

Best for denied requests

LoansUnder36

Best for denied requests
• Amount: $100 - $35,000
• APR: 5.99% - 35.99%
• Loan Terms: 4-72 months

Expand details

GET STARTED

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

3

Any Credit Score OK

Any Credit Score OK

Bankrate

Any Credit Score OK
• Max Loan: $100,000
• APR: 2.49% - 35.99%
• Loan Term: 12-84 months

Expand details

GET STARTED visit Bankrate

Expand details

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.

Learn more

4

LendingTree

LendingTree

LendingTree

Facilitated $260B in loan funding
• Max Loan: $50,000
• APR: 3.99% - 35.99%
• Loan Term: 3-180 months

Expand details

GET STARTED 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 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.

Learn more

5

Prosper

Prosper

Prosper

Peer to peer lender
• Max Loan: $40,000
• APR: 7.95% - 35.99%
• Loan Term: 36-60 months
• Loan fee: yes

Expand details

GET STARTED via Credible

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

AmOne

AmOne

AmOne

Operating since 1999
• Max Loan: $50,000
• APR: 3.49% - 35.99%
• Loan Term: 24-84 months

Instant mobile application
• Max Loan: $50,000
• APR: 3.49% - 35.99%
• Loan Term: 24-84 months

Expand details

GET STARTED 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

What Can I use a Personal Loan For?

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

• Private party auto purchases (i.e. Craigslist)
• Classic cars
• Vintage sports cars
• Any car that doesn’t typically have dealer financing
• Cars that need to be bought in cash
• Virtually any other reason

About Personal Loans for Cars from Private Parties

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.

Best Overall Choice