Personal Loans

Find the Best Personal Loans for Your Needs

Compare top lenders side by side — rates, fees, eligibility, and funding speed

7.49%Lowest APR Available
$100KMax Loan Amount
580Lowest Score Accepted
Same DayFastest Funding

🏆 SoFi — Best Overall

APR8.99%–25.81%
Amount$5K – $100K
FeesNone
Min. Score680

Zero fees of any kind. Unemployment protection included. Same-day funding available.

⚡ LightStream — Lowest Rates

APR7.49%–25.99%
Amount$5K – $100K
FeesNone
Min. Score660

Rate Beat Program — if you find a lower rate, LightStream beats it by 0.10%. Same-day funding.

💳 Discover — Best No-Fee Lender

APR7.99%–24.99%
Amount$2.5K – $40K
FeesNone
Min. Score660

Zero origination fees + pays your creditors directly for debt consolidation.

✅ Upgrade — Best for Fair Credit

APR9.99%–35.99%
Amount$1K – $50K
Fees1.85%–9.99%
Min. Score580

Accepts scores as low as 580. Co-borrower option + direct creditor payment available.

⏩ Avant — Fastest for Bad Credit

APR9.95%–35.99%
Amount$2K – $35K
FeesUp to 4.75%
Min. Score580

Next-business-day funding even with bad credit.

🤝 LendingClub — Best for Co-Borrowers

APR9.57%–35.99%
Amount$1K – $40K
Fees3%–8%
Min. Score600

Joint applications accepted. Direct creditor payment for debt consolidation.

🔓 OneMain Financial — No Minimum Score

APR18%–35.99%
Amount$1.5K – $20K
FeesVaries by state
Min. ScoreNone stated

Secured and unsecured options. Physical branches nationwide. Same-day in-branch funding.

Bad Credit? See Your Options →
Lenders accepting scores as low as 500

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