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1
our #1 pick
Credible
Over 891 people chose Credible today
GET STARTED
via Credible's site
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 6.94% - 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. Terms Apply
- 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. Personal Loans Rate and Terms Disclosure: “Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99%. APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
Learn more
2
LendingTree
- Max Loan: $50,000
- APR: 5.99% - 35.99%
- Loan Term: Varies
GET STARTED
via LendingTree's site
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 through LendingTree takes just a few minutes on average!
- Very simple process for finding your unique personal loan rate ranging from 5.99% to 35.99% APR
- With a personal loan you could consolidate or refinance debt
- No impact to your credit score for checking your rates
Terms & Conditions Apply. IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender.
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3
BestEgg
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use BestEgg via Credible
BestEgg Highlights
- 100% free to get your personal loan rate with BestEgg via Credible
- 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
4
LightStream
GET STARTED
via Credible's site
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
5
LendingClub
GET STARTED
via Credible's secure site
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
6
SoFi
GET STARTED
via Credible's site
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
Best Overall Choice:
1
our #1 pick
Credible
Over 891 people chose Credible today
GET STARTED
via Credible's site
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 6.94% - 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. Terms Apply
- 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. Personal Loans Rate and Terms Disclosure: “Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99%. APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
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:
- 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.
Representative Loan Example
A 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.
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
1
our #1 pick
Credible
Over 891 people chose Credible today
GET STARTED
via Credible's site
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 6.94% - 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. Terms Apply
- 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. Personal Loans Rate and Terms Disclosure: “Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99%. APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.
Learn more
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