Personal loans to get you one step ahead

Rates from 5.74% - 35.99% APR¹ in just 2 minutes

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The rates that appear are from companies which Credible receives compensation. This compensation does not impact how or where products appear within the table. The rates and information shown do not include all financial service providers or all of the displayed lender's available services and product offerings.

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Best for strong-credit borrowers with flexible repayment terms

Credible personal loan rating: 4.6/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

5.74-24.99%⁸

Loan term

2 - 7 years

Loan amount

Up to $50k

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Best for low rates / fast funding for excellent credit

Credible personal loan rating: 4.4/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

6.25-35.99%

Loan term

2 - 5 years

Loan amount

Up to $50k

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Best for personal loans, overall (fair and better credit)

Credible personal loan rating: 4.9/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

6.53-35.99%⁵

Loan term

2 - 7 years

Loan amount

Up to $75k

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Best for flexible loan use, high loan amounts, accessible credit

Credible personal loan rating: 4.5/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

6.60-35.99%

Loan term

3, 5 years

Loan amount

Up to $75k

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Best for high-balance borrowers with good or very good credit

Credible personal loan rating: 4.9/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

6.99-35.49%³

Loan term

2 - 7 years

Loan amount

$5k - $100k

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Best for homeowners

Credible personal loan rating: 4.7/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

6.99-35.99%

Loan term

2 - 5 years

Loan amount

Up to $50k

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Best for personal loans, overall (good to excellent credit)

Credible personal loan rating: 5/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.24-24.89%⁴

Loan term

2 - 7 years

Loan amount

Up to $100k

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Best for ultra-large loans

Credible personal loan rating: 4.4/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.39-24.22%⁶

Loan term

3 - 10 years

Loan amount

Up to $250k

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Best for borderline-bad credit

Credible personal loan rating: 4.9/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.74-35.99%

Loan term

2 - 7 years

Loan amount

Up to $75k

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Best for fair credit debt consolidation

Credible personal loan rating: 4.3/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.95-35.99%

Loan term

2 - 5 years

Loan amount

Up to $50k

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Best for fast funding and strong customer reviews

Credible personal loan rating: 4.5/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.99-29.99%

Loan term

3, 5 years

Loan amount

Up to $75k

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Best for fast funding

Credible personal loan rating: 4.2/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.99-35.99%

Loan term

2 - 5 years

Loan amount

Up to $33k

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Best for fast debt consolidation for fair credit

Credible personal loan rating: 4.2/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

7.99-35.99%

Loan term

2 - 5 years

Loan amount

Up to $40k

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Best for low APRs for good, very good, and excellent credit

Credible personal loan rating: 4.8/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

8.24-18.99%

Loan term

3 - 6 years

Loan amount

Up to $50k

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Best for P2P loans

Credible personal loan rating: 4.5/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

8.99-35.99%

Loan term

2 - 6 years

Loan amount

Up to $50k

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Best for fast loans for fair and bad credit

Credible personal loan rating: 4.3/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

9.95-35.99%

Loan term

2 - 5 years

Loan amount

Up to $35k

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Best for no-fee bank loans for existing customers

Credible personal loan rating: 4.6/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

9.99-17.49%⁷

Loan term

1 - 5 years

Loan amount

Up to $30k

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Best for low origination fees for bad credit

Credible personal loan rating: 4.4/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

9.99-35.99%

Loan term

3 - 5 years

Loan amount

Up to $25k

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Best for customer service

Credible personal loan rating: 4.4/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

10.59-24.68%

Loan term

2 - 5 years

Loan amount

Up to $50k

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Best for flexible loans for fair-credit borrowers

Credible personal loan rating: 4.8/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

11.69-35.99%

Loan term

3, 5, or 7 years

Loan amount

Up to $50k

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Best for bad credit

Credible personal loan rating: 4.6/5

Credible scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Rates from (APR)

11.99-35.99%

Loan term

2 - 5 years

Loan amount

Up to $30k

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Loan amount

Interest Rate

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Monthly payment

$143.47

Total payment:

$17,216.40

Total interest:

$7,216.40

For illustrative purposes only. Actual rates will vary.

Checking rates won’t affect your credit score

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Why borrowers choose Credible

Personal loans for all your financial goals

Frequently asked questions

What is a personal loan?

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A personal loan is a type of loan that you can get within days or hours from some banks, credit unions, and online lenders. Loan funds are typically deposited in your bank account and can be used for almost anything, such as paying for a vacation, wedding, home improvements, or consolidating debt.

How can I get a personal loan?

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To get a personal loan, you’ll generally need a reliable source of income, a credit score that meets the lender’s minimum requirement — many lenders prefer a FICO score above 670 — and a debt-to-income ratio (DTI) under 36%. But different lenders have different eligibility criteria. For example, some lenders consider applicants with fair and bad credit, while others only consider applicants with good credit or better.

When will personal loan interest rates go down?

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Average personal loan rates may be leveling off after some sharp fluctuations to begin the new year, but the outlook for significantly lower rates is still uncertain. Credible personal loan data for the week ending February 8 show average rates on 3-year loans (13.44%) and 5-year loans (18.11%) down slightly from the previous week.

The Federal Reserve left the benchmark interest rate unchanged at its first meeting of 2026. While lower by about 1 to 2 percentage points since this time last year, average rates have yet to show a sustained decline since the Fed approved three rate cuts in the final months of 2025.

The federal funds rate is the benchmark rate that determines how much it costs for banks to lend money to one another overnight, which in turn affects how personal loan rates are set. In setting rates, the Fed aims to find a balance between controlling inflation (higher rates) and promoting economic growth (lower rates).

The Fed's next rates meeting is scheduled for mid-March. Keep an eye on personal loan rates in the coming weeks as lenders and markets continue adjusting to changes in the economic landscape.

What are the pros and cons of a personal loan?

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Pros:

Can be used for most purposes, including emergency expenses, home improvements, and debt consolidation
Large loan maximums are available to certain borrowers
Can have quick funding (the same day you apply, in some cases)
Most are unsecured (no collateral required)
Years-long repayment terms
May be able to prequalify and compare potential rates
Can be used to build credit
Can be refinanced (e.g., if you improve your credit score and become eligible for a lower rate)

Cons:

Potentially high annual percentage rates (APRs) for those with fair and bad credit
Approval may be difficult without good credit and a low DTI
Debt may be unnecessary
Some lenders charge origination fees, which can reduce the amount you receive

How do I compare personal loans?

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To compare personal loans, start by figuring out how much money you need, what you need it for, and the repayment period you want. Next, prequalify with multiple lenders that offer the terms you need. It won’t affect your credit, but formally applying for a loan may temporarily ding your score. Compare APRs, fees, and available discounts to choose the best personal loan for your situation. You can use a personal loan calculator to estimate monthly payments based on different loan amounts, interest rates, and repayment terms.

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Personal loans to get you one step ahead

Compare rates from APR1 with lenders

See how much you could save

Why borrowers choose Credible

Personal loans for all your financial goals

Frequently asked questions

What is a personal loan?

How can I get a personal loan?

When will personal loan interest rates go down?

What are the pros and cons of a personal loan?

How do I compare personal loans?

Compare rates from APR¹ with lenders