A personal loan is a fixed amount of money borrowed from a lender, typically unsecured, that you repay in monthly installments. It's ideal for debt consolidation, large purchases, or unexpected expenses.
Borrow between $600 and $200,000 depending on the lender and your credit profile.
Repayment periods range from 12 to 84 months, allowing for manageable monthly payments.
Interest rates typically range from 6% to 36% based on your credit score and lender.
Apply online with basic information like income, employment, and desired loan amount. Most applications take under 5 minutes.
Lenders will review your details and offer personalized rates and terms — all without affecting your credit score.
Compare APRs, fees, repayment terms, and select the offer that fits your budget and needs.
Once approved, funds can be directly deposited into your account — often by the next business day.
Pay off your loan through equal monthly payments over the term you've selected. Automatic payments can help avoid late fees.
| Lender | Best For | APR Range | Loan Amount | Loan Terms | Origination Fee | Min Credit Score |
|---|---|---|---|---|---|---|
| Upgrade | Overall personal loans | 7.99% - 35.99% | $1,000 - $50,000 | 24 - 84 months | 1.85% - 9.99% | 580 |
| Upstart | Borrowers with limited credit | 6.60% - 35.99% | $1,000 - $50,000 | 36 or 60 months | 0% - 12% | 300 |
| LightStream | Large loans with no fees | 6.49% - 25.29% | $5,000 - $100,000 | Varies | No fees | Not specified |
| Discover | Great support and no upfront fees | 7.99% - 24.99% | $2,500 - $40,000 | 36 - 84 months | No fees | 720 |
| Best Egg | Secured loans for higher approval | 7.99% - 29.99% | $2,000 - $50,000 | 36 - 84 months | 0.99% - 9.99% | 580 |
| PenFed | Small loans with no fees | 8.99% - 17.99% | $600 - $50,000 | 12 - 60 months | No fees | Not specified |
| SoFi | Fast funding, no required fees | 8.99% - 35.49% | $5,000 - $100,000 | 24 - 84 months | 0% - 7% | 680 |
| Prosper | Peer-to-peer loan access | 8.99% - 35.99% | $2,000 - $50,000 | 24 - 60 months | 1% - 9.99% | 600 |
All APR ranges include potential discounts. Qualification requirements, fees, and rates may vary based on your creditworthiness and selected lender.
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