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Whether you’re looking to eliminate debt or access cash fast, find personal loans matched to you.

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Get a personal loan that works for you

Get a better rate

Save money on interest by finding a lower rate.

Use funds however you need

Fund home improvement projects, cover emergency expenses and more.

Consolidate debt

Combine your debts into one manageable payment.

Partner loan offers

Lowest est. APR
Reprise Financial logo.
Est. APR9.99 - 35.99%
Term36 - 60 mo
Loan amount$2,500 - $25,000
OneMain Financial logo.
Est. APR18.00 - 35.99%
Term36 - 60 mo
Loan amount$1,500 - $20,000
Upgrade logo.
Est. APR8.49 - 35.99%
Term36 - 60 mo
Loan amount$1,000 - $50,000
SoFi logo.
Est. APR8.99 - 29.99%
Term24 - 84 mo
Loan amount$5,000 - $100,000
Prosper logo.
Est. APR8.99 - 35.99%
Term24 - 60 mo
Loan amount$2,000 - $50,000
Best Egg logo.
Est. APR8.99 - 35.99%
Term36 - 60 mo
Loan amount$2,000 - $50,000
LendingPoint logo.
Est. APR7.99 - 35.99%
Term24 - 48 mo
Loan amount$2,000 - $30,000
Splash Financial logo.
Est. APR10.95 - 24.51%
Term36 - 60 mo
Loan amount$5,000 - $50,000
LendingClub logo.
Est. APR9.57 - 35.99%
Term36 - 60 mo
Loan amount$1,000 - $40,000
Reach Financial logo.
Est. APR14.30 - 35.99%
Term24 - 60 mo
Loan amount$5,000 - $40,000
Avant logo.
Est. APR9.95 - 35.95%
Term12 - 60 mo
Loan amount$2,000 - $35,000
Universal Credit logo.
Est. APR11.69 - 35.99%
Term36 - 60 mo
Loan amount$1,000 - $50,000
Upstart logo.
Est. APR7.80 - 35.99%
Term36 - 60 mo
Loan amount$1,000 - $50,000

No offers available

We couldn’t find any loans matching those filters, but we can still match you with other savings options and offers.

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How to find your best personal loan

1

Know your FICO® Score

It plays a big role in the personal loans you’re likely to qualify for, and the rates and terms you might get.

2

Compare loan options

Determine how much you'll need, then look for a low APR and monthly payment that fits your budget.

3

Look for extra benefits

Consider lender-specific perks, like getting a reduced interest rate if you set up autopay.

4

Get pre-qualified

Once you find a personal loan to apply for, pre-qualifying first can tell you if you’re likely to be approved.

Start with your FICO® Score and loan offers matched to your credit profile.

Get started for free

Top picks from our partners

Best for Large Amounts: SoFi

SoFi logo.

Recommended FICO® ScoreΘ

Good - Exceptional

Est. APR8.99 - 29.99%
Term24 - 84 mo
Loan amount$5,000 - $100,000

Why we picked it

With a $100,000 limit, SoFi personal loans are best suited for those who need to borrow more than what most other lenders are willing to offer. The minimum loan amount is $5,000, and you can repay the loan over two to seven years.

There are no fees attached to the loan, and you can even get same-day funding, depending on when your loan is approved. The lender's interest rates are competitive, and you can get a 0.25% discount on your interest rate if you set up automatic payments.

  • Personal Loans with low fixed rates
  • Borrow up to $100,000
  • No Origination Fees Required, No Prepayment Penalties, and No Late or Overdraft Fees
  • Simple online application with live support 7 days a week
  • Apply Now

Fixed rates from 8.99% APR to 29.99% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 02/06/2024 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

  • Large loan amounts

  • Autopay discount and no fees

  • Offers prequalification

  • Same-day funding

  • Doesn't disclose a minimum credit score

  • High minimum loan amount

Best for Small Amounts: Upgrade

Upgrade logo.

Recommended FICO® ScoreΘ

Good - Exceptional

Est. APR8.49 - 35.99%
Term36 - 60 mo
Loan amount$1,000 - $50,000

Why we picked it

An Upgrade personal loan can be as small as $1,000, making it worth considering if your borrowing needs are too low for other lenders' minimums. Upgrade's loan limit is $50,000, and you can pay back the debt over two to seven years. Funding can occur as soon as the day after approval.

One major drawback to Upgrade is its origination fee, which can cost between 1.85% and 8%, which is deducted from the loan proceeds. The lender's interest rates are competitive but can be high if your credit is less than stellar.

  • Affordable loans from $10,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties
  • Quick online application -- get pre-approved in just minutes
  • Checking your rate won't impact your credit score
  • Review multiple loan options so you can pick the amount and term that fits your budget and timeline
  • With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% 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 $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

  • Low loan amounts

  • Offers prequalification

  • Quick funding

  • High origination fee

  • Doesn't disclose a minimum credit score

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Frequently asked questions

A personal loan is a type of installment loan that allows you to borrow a fixed amount of money from a lender and make fixed monthly payments until the term ends. Terms can range from just a few months to up to several years.

Personal loans have flexible uses. You may need a personal loan to consolidate debt, pay for a wedding, complete home improvement projects or cover emergency expenses, such as medical bills, car repairs and funeral costs.

There are several different types of personal loans and the best type for you depends on your needs. Unsecured personal loans are the most common type and don't require collateral to access money. Secured personal loans are less common but include options like credit-builder loans that allow people to build credit. Debt consolidation loans are personal loans that you use for paying off multiple debts. Two other options—payday loans and title loans—are last resorts that you should aim to avoid due to high fees and the risk of falling into a cycle of debt.

Pros:

  • Low interest rates: Personal loans are known to have lower interest rates than most credit cards, which can save you a significant amount of money.
  • Simple terms: Personal loans have fixed monthly payments, so you can easily know how much you owe every month.
  • Flexible loan amounts: You can take out a small or large personal loan, allowing you to borrow what you need.
  • No collateral needed: Since most personal loans are unsecured, you can borrow money without risking your assets.

Cons:

  • Fees: Personal loans often have a variety of fees, which may include an application fee, origination fee and prepayment fee, that all add to the total cost of taking out a loan.
  • No intro 0% APRs: If you have an intro 0% APR on a credit card or always pay your balance in full, then you may wind up paying more money with a personal loan.

A good personal loan interest rate is one that's lower than the national average, which is 9.41%, according to the most recently available Experian data.

Personal loan interest rates are influenced by several factors: Your credit score, income, debt-to-income ratio and the loan size and repayment term. The higher your credit score and income, the better chances you have of qualifying for the lowest personal loan interest rates. A low debt-to-income ratio can also help you secure a low APR. Smaller loans and shorter terms can both contribute to lower interest charges.

When comparing personal loans, review the fees to see if there is an application fee, origination fee, pre-payment penalty, payment processing fee and late fee. These fees can cost you hundreds or thousands of dollars, so it's in your best interest to compare various personal loans. You can avoid some or all of these personal loan fees by choosing a lender that doesn't charge these fees, or by signing up for autopay, only borrowing what you need so your origination fee is low, and negotiating with your lender.

Yes, you can refinance a personal loan. To refinance your personal loan, apply for and get approved for a new loan. Once you receive the money from the new loan, you can use it to pay off your old loan.

Yes, you can get a personal loan with bad credit by comparing interest rates and fees from lenders that offer loans designed for borrowers with bad credit. That said, you won't qualify for the lowest interest rates or the best terms. It may be better to take steps to improve your credit, then apply for a personal loan when your credit score has improved.

There's no limit to the amount of personal loans you can have at one time. You can have multiple personal loans with the same lender, or you can take out several loans by using different lenders. The amount of personal loans you can take out is ultimately up to the lender's discretion.

You can get a personal loan funded anywhere from minutes to days after you're approved, depending on the lender. Online lenders are generally the fastest when it comes to disbursing personal loan funds. You can get a faster approval by making sure your application is accurate, your credit files are unlocked and getting pre-approved.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

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