We compared personal loans based on APRs, funding time, and more to identify the best options for borrowers
Top personal loan lenders
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LightStream
Credible Rating
Lender highlights:
Same-day funding available
High maximum loan amount
No origination fee or other fees
Allows co-borrowers
Rate beat program
Long repayment terms available
Best Egg
Credible Rating
Lender highlights:
Secured loans available
Low minimum income requirement
Wide range of loan purposes allowed
Funds in 1-3 business days
Best Rate GuaranteeClose with a better rate than you prequalify for on Credible and get a $200 gift card. Terms Apply
Best for personal loans, overall
Best for loan prequalification
Best for homeowners
Best for lowest interest rates for most credit scores
Best for fair credit debt consolidation loans
Best for Low Rates for Good Credit
Best for customer satisfaction
Best for No origination fee loans for fair and good credit
Best for Credit-Builders
Best for debt consolidation loans for good credit
Best for low income and secured loans
Best for online bank loans
Best for P2P lending
Best for very good credit
Best for fast bad-credit loans
Best for large debt consolidation loans
Best for low rates on bad-credit loans
Best for fast loans for fair credit
Best for large loans for bad credit
A personal loan can help you consolidate debt or pay for major expenses like medical bills, car repairs, a wedding, or a family vacation. There are few restrictions on what you can use one for. And unlike a home equity loan, most are unsecured, which means you don't need collateral. As a result, personal loan interest rates can range widely, depending on your credit, from around 6% on the low end to around 36% on the high end.
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