PERSONAL LOANS

Personal loans to get you one step ahead

Rates from 4.99% APR*

Loan amounts from $1,000 to $100,000

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After you’ve chosen a lender, complete your application online.

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Sign your documents and relax as the funds get deposited into your account.

Compare personal loan rates from top lenders

LenderRates from (APR)Loan termLoan amount
Avant
9.95% - 35.99%2 - 5 yearsUp to $35,000Show detailsCheck Rate

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Avant Details
Prepayment penalty: NoneUnsuccessful payment fee: $15
Origination fee: 0.95% to 4.75%Check processing fee: None
Late fee: $25Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
Credible Lender Review
Avant Personal Loans Review
Best Egg
5.99% - 29.99%3, 5 yearsUp to $35,000Show detailsCheck Rate

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Best Egg Details
Prepayment penalty: NoneUnsuccessful payment fee: $15
Origination fee: 0.99% to 5.99%Check processing fee: $7
Late fee: $15Time to fund: As soon as 1 - 3 business days after successful verification
Credible Lender Review
Best Egg Personal Loans Review
FreedomPlus
5.99% - 29.99%2 - 5 yearsUp to $35,000Show detailsCheck Rate

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FreedomPlus Details
Prepayment penalty: NoneUnsuccessful payment fee: None
Origination fee: 0% to 5%Check processing fee: $15
Late fee: 5% of late payment or $15 (whichever is greater)Time to fund: As soon as 2 business days
Credible Lender Review
FreedomPlus Personal Loans Review
LendingClub
6.95% - 35.89%3, 5 yearsUp to $40,000Show detailsCheck Rate

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LendingClub Details
Prepayment penalty: NoneUnsuccessful payment fee: $15
Origination fee: 1% to 6%Check processing fee: $7
Late fee: 5% of late payment or $15 (whichever is greater)Time to fund: Usually takes about 7 days
Credible Lender Review
LendingClub Personal Loans Review
LendingPoint
15.49% - 34.99%2 - 4 yearsUp to $25,000Show detailsCheck Rate

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LendingPoint Details
Prepayment penalty: NoneUnsuccessful payment fee: None
Origination fee: 0% to 6%Check processing fee: None
Late fee: $30Time to fund: As soon as the next business day
Credible Lender Review
LendingPoint Personal Loans Review
Marcus by Goldman Sachs
6.99% - 28.99%3 - 6 yearsUp to $40,000Show detailsCheck Rate

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Marcus by Goldman Sachs Details
Prepayment penalty: NoneUnsuccessful payment fee: None
Origination fee: NoneCheck processing fee: None
Late fee: NoneTime to fund: About 1 - 4 business days, given approval and bank account verification
Credible Lender Review
Marcus by Goldman Sachs Personal Loans Review
Payoff
5.99% - 24.99%2 - 5 yearsUp to $35,000Show detailsCheck Rate

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Payoff Details
Prepayment penalty: NoneUnsuccessful payment fee: None
Origination fee: 2% to 5%Check processing fee: None
Late fee: NoneTime to fund: As soon as 2 - 5 business days after verification
Credible Lender Review
Payoff Personal Loans Review
Prosper
6.95% - 35.99%3, 5 yearsUp to $40,000Show detailsCheck Rate

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Prosper Details
Prepayment penalty: NoneUnsuccessful payment fee: $15
Origination fee: 2.4% to 5%Check processing fee: $15
Late fee: 5% of late payment or $15 (whichever is greater)Time to fund: On average, within 5 days of accepting your offer
Credible Lender Review
Prosper Personal Loans Review
Upgrade
7.99% - 35.89%3, 5 yearsUp to $50,000Show detailsCheck Rate

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Upgrade Details
Prepayment penalty: NoneUnsuccessful payment fee: $10
Origination fee: 1% to 6%Check processing fee: None
Late fee: $10Time to fund: Within a day of clearing necessary verifications
Credible Lender Review
Upgrade Personal Loans Review
Upstart
8.09% - 35.99%3, 5 yearsUp to $50,000Show detailsCheck Rate

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Upstart Details
Prepayment penalty: NoneUnsuccessful payment fee: $15
Origination fee: 0% to 8%Check processing fee: None
Late fee: 5% of late payment or $15 (whichever is greater)Time to fund: As soon as 1 - 3 business days
Credible Lender Review
Upstart Personal Loans Review

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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.

See review on Trustpilot

Leslie got multiple personal loan offers

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

See review on Trustpilot

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.

See review on Trustpilot
Customers rate us 9.5/10

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.

Debt Consolidation Loans

Credit Card Refinancing

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

Credit Card Refinancing Loans

Home Improvement

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

Home Improvement Loans

Bad Credit Loans

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

Bad Credit Loans

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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

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 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

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

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).

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

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

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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