Personal Loans

Find the Best Personal Loans for Your Needs

Compare top personal loan lenders side by side — from rates and fees to eligibility requirements and funding speed. Whether you need a loan for debt consolidation, an emergency expense, home improvement, or a major purchase, we break down every option so you can make an informed decision.

Top Personal Loan Lenders at a Glance

Lender Best For APR Loan Range Min. Score
SoFi No fees 8.99% – 25.81% $5K – $100K 680
LightStream Lowest rates 7.49% – 25.99% $5K – $100K 660
Discover Direct payment 7.99% – 24.99% $2.5K – $40K 660
Upgrade Fair credit 9.99% – 35.99% $1K – $50K 580
Avant Fast funding 9.95% – 35.99% $2K – $35K 580
LendingClub Co-borrowers 9.57% – 35.99% $1K – $40K 600
OneMain Very bad credit 18% – 35.99% $1.5K – $20K None

How to Choose the Right Personal Loan

  • Check your credit score — this determines which lenders and rates you qualify for
  • Pre-qualify with 3-5 lenders — soft credit checks don’t affect your score
  • Compare APR, not just monthly payment — APR includes fees and gives the true cost
  • Factor in origination fees — some lenders charge 1-10%, others charge nothing
  • Consider funding speed — if time matters, some lenders offer same-day funding

Browse our latest personal loan reviews, comparisons, and guides below:

Scroll to Top