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Personal Loans

Personal loans, ranked by what you'll actually pay.

Fixed APRs, no collateral, funded as fast as same day. We pull the lenders that actually approve borrowers like you — not just the ones that advertise the lowest teaser rate.

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Side by side

Personal Loans — top lenders compared

Sortable table of partner lenders. Click through to see the lender's full offer details.

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APR ranges shown are illustrative. Your actual rate depends on credit, loan amount, and lender criteria.

How it works

Three steps. No surprises.

1

Tell us your situation

Quick questions about what you're financing or insuring.

2

Match to lenders

We pull offers from the lenders that fit your credit and need.

3

Pick & close

Apply directly with the lender of your choice. No middleman.

FAQs

Personal Loans — what people ask

What APR can I expect on a personal loan?
Borrowers with 740+ FICO see APRs starting around 7.49%. Fair credit (640–700) typically falls in the 14–22% range. Anything below 580 is usually outside our network or will price above 30% APR.
How fast does a personal loan fund?
SoFi, LightStream, and Upstart can fund the same business day if you apply before noon ET. Most others fund within 1–3 business days.
Will pre-qualifying hurt my credit?
No — pre-qualification is a soft pull. Only the formal application after you choose a lender triggers a hard pull (typically 5–10 point dip that recovers in 3 months).
Can I use a personal loan to pay off credit cards?
Yes — debt consolidation is one of the most common use cases. Discover and LendingClub will pay your creditors directly. The math works when the personal loan APR is lower than your blended card APR.
What if I have fair credit?
Upgrade and Upstart accept down to 580 FICO. Upstart's underwriting also weighs education and employment, so a thin credit file isn't an automatic no.
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