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2 - 5 yrs

Loan amount

SoFi

Up to $35,000

Rates from (APR)

5.99% - 18.83% 

Loan term

2 - 7 years 

Loan amount

Up to $100,000 

All APRs reflect autopay and loyalty discounts where available |

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Checking rates won't affect your credit

Prosper

Rates from (APR)

6.95% - 35.99%

Loan term

3, 5 yrs

Loan amount

Up to $35,000

Upgrade

Rates from (APR)

7.99% - 35.97%

Payoff

Loan term

3, 5 yrs

Loan amount

Up to $50,000

Rates from (APR)

Axos

Rates from (APR)

6.49% - 29.99%

Loan term

1 - 5 years 

Loan amount

5.99% - 24.99%

Up to $35,000 

Loan term

LightStream

Rates from (APR)

3.99% - 19.99%

Loan term

2 - 7 yrs

Loan amount

Up to $100,000

Compare personal loan rates from top lenders

Marcus by Goldman Sachs

Rates from (APR)

6.99% - 19.99%

Loan term

3 - 6 yrs

Loan amount

Up to $40,000

Upstart

Rates from (APR)

8.13% - 35.99%

Loan term

3, 5 yrs

Loan amount

Up to $50,000

LendingPoint

Rates from (APR)

15.49% - 35.99%

Loan term

2 - 4 yrs

Loan amount

Up to $25,000

Best Egg

Rates from (APR)

5.99% - 29.99%

Loan term

3, 5 yrs

Loan amount

Up to $35,000

Avant

Rates from (APR)

9.95% - 35.99%

Loan term

2-5 yrs

Loan amount

Up to $35,000

Discover

Personal Loans

Rates from (APR)

6.99% - 24.99%

Loan term

3 - 8 yrs

Loan amount

Up to $35,000

PenFed

Rates from (APR)

6.49% - 17.99%

Loan term

1 - 5 yrs

Loan amount

Up to $20,000

LendingClub

Rates from (APR)

10.68% - 35.89%

Loan term

3, 5 yrs

Loan amount

Up to $40,000

FreedomPlus

Rates from (APR)

7.99% - 29.99%

Loan term

2 - 5 yrs

Loan amount

Up to $35,000

OneMain Financial

Rates from (APR)

18.00% - 35.99%

Loan term

2 - 5 yrs

Loan amount

Up to $20,000

Here’s what customers are saying about Credible

Adrianne compared personal loans with low rates

Credible was awesome as I was able to look at personal loan rates from multiple lenders at once, and was able to find the one that worked best for me.

Leslie got multiple personal loan offers

Multiple offers for a personal loan - chose the most trustworthy and best rate bank! Thanks for the choices!


Scott got the lowest rate he could find

Credible gave us a broad spectrum of lenders to choose from at a glance, which gave us the opportunity to choose the lowest rates with the best terms available.

Get a personal loan for all your financial needs

Debt Consolidation

Pay off high-interest debt by combining it all into a single loan and payment at a lower interest rate.

Credit Card

Refinancing

Refinance high-interest credit debt by combining it all into one loan and payment at a lower interest rate.

Home Improvement

Finance a home improvement project from major repairs to a remodel or addition.

Bad Credit

Loans

Loans for those who may have credit difficulties (like poor credit or a thin credit history).

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Our Client Success Team is always here to help

*Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 4.99-35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

Frequently asked questions

What is a personal loan?

A personal loan is money you can borrow from a financial institution like a bank, credit union, or online lender. Once approved for a loan, you'll make monthly payments to pay it back in full, plus interest. The loan terms and interest rates vary based on the lender and your credit report. Typically, when you get a personal loan, it’s an unsecured loan — which means it doesn’t require collateral (like your home or car).


Read more: Different Types of Personal Loans

What are the requirements to qualify?

Each lender has their own set requirements to qualify for a personal loan. But the personal information they typically look for are borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a steady income, and those who have a good credit history.


See: Requirements to Qualify for a Personal Loan

How much can I borrow with a personal loan?

How much you can borrow with a personal loan depends largely on your credit score as well as your debt-to-income ratio, which is the amount of your monthly income that goes to paying ongoing obligations like your rent, car payment, or credit card bills.


The upper limits for online personal loans vary by lender but typically fall in the $35,000 to $50,000 range. However, lenders on the Credible marketplace offer personal loans to qualified borrowers up to $100,000.


Estimate Your Payments: Personal Loan Calculator

Will checking my rates affect my credit score?

Using Credible to check your rates doesn’t affect your credit score. Here’s how it works: Credible's prequalification process uses a soft credit inquiry that allows you to see personalized prequalified rates.


There is no obligation to proceed with any of the loan options presented on your dashboard, but if you see a loan option with one of our partner lenders that you'd like to proceed with, you'll be asked to authorize a hard credit check when you apply for an unsecured personal loan. A hard inquiry can impact your credit score by two to nine points, but typically by no more than five.


How To: Build Credit and Raise Your Credit Score

How quickly will I receive my funds?

Once you’ve completed the loan application process, most lenders can fund your loan by the next business day (though it can take up to about a week, depending on the lender).

What interest rate can I expect?

Generally, the shorter the loan term, the lower the interest rate offered by most loan companies. Some lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your checking account or savings account.


Qualifying for lower rates offered by a lender is dependent on your online loan application, credit history and credit score, whether you get a short-term loan or a long-term loan, loan purpose, and other factors. The better your credit score, the better the interest rate you can qualify for.


See: Average Personal Loan Interest Rates

Can I pay off my personal loan early?

Yes. Fortunately, none of Credible’s partner lenders will charge for this. However, other lenders may charge a fee (called a prepayment penalty) if you decide to pay the loan off before the term is up.


Read more: Lenders Offering the Best Personal Loans

How else can I use a personal loan?

You’re typically not limited in how you can use your personal loan funds. Personal loans can help you pay down high-interest credit card debt, meet unexpected needs like medical bills, take care of a major purchase like a new refrigerator, purchase a new or used car with an auto loan, or fund home improvement projects. However, some lenders only provide fixed-rate loans for specific purposes (and some rates vary based on what you use it for), so you will be asked for the purpose of your loan.

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