What credit score do I need for a personal loan?

Most lenders require a minimum of 580–620 for approval. The best advertised rates go to borrowers with 740+. With a 680 score, expect rates 3–5% higher than the headline number above.

How fast can I get a personal loan?

Many lenders fund same-day or next-day after approval. LightStream and SoFi both offer same-day funding for qualified borrowers.

Is it better to use a personal loan or a balance transfer card?

Balance transfer cards offer 0% APR for 12–21 months but require discipline to pay off before the promotional period ends. Personal loans offer predictable fixed payments over a longer term. For larger balances ($15K+) or longer payoff timelines, personal loans are often safer.

14 lenders · Updated July 9, 2026

Personal loan rates — find what you actually qualify for

Set your loan amount and current rate. Every lender shows the real dollars you save per year. No credit pull to compare.

Independent rankingsMethodology →

How we rankWe rank by APR + trust — not commissionNo credit pull to compare ratesSponsored offers labeled, never ranked higher for payingMethodology →

Looking for auto financing?Compare auto loans →

Loan amount$10,000

$1K$100K

Your current APR20.5%

3%36%

Top pick saves you

$1,450

per year vs. your 20.5% rate · $304/mo at 5.99% APR

Advertising disclosure: Some products are from partners. This does not affect rankings.

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MethodologyIndependent rankings. Sponsored offers labeled. Terms verified regularly.Ranked by true cost: APR range (low end), origination fee, funding speed, minimum credit score, loan amount range, and lender trust.

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Our takeBest for good-credit borrowers who want a transparent cost structure — 5.99% APR, no origination fee.

Reach FinancialLowest APR

NMLS verified

APR

5.99%

$1,450

saved per year vs. your rate

Market avg 11.48%5.49% below avg

$304/mo on $10,000 · 36-mo term

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Our takeBest for good-credit borrowers who want a transparent cost structure — 6.09% APR, no origination fee. Borrow $600–$50,000.

PenFed Credit UnionTrusted

NMLS verified$600–$50,000

APR

6.09%

$1,440

saved per year vs. your rate

Market avg 11.48%5.39% below avg

$305/mo on $10,000 · 36-mo term

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Our takeAI-driven approval model weighs education and employment history alongside credit score. One of the few personal lenders that can approve borrowers below 620 FICO — though rates are wider for thin-file applicants.

UpstartTrusted

NMLS verified$1,000–$75,000

APR

6.20%

$1,429

saved per year vs. your rate

Market avg 11.48%5.28% below avg

$305/mo on $10,000 · 36-mo term

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Our takeBest for good-credit borrowers who want a transparent cost structure — 6.25% APR, no origination fee. Borrow $5,000–$50,000.

Achieve

NMLS verified$5,000–$50,000

APR

6.25%

$1,424

saved per year vs. your rate

Market avg 11.48%5.23% below avg

$305/mo on $10,000 · 36-mo term

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Our takeDirect creditor payoff available on debt consolidation — LendingClub wires funds to your existing lenders. Joint applications accepted, letting co-borrowers combine income to qualify at a better rate.

LendingClubTrusted

NMLS verified$1,000–$60,000

APR

6.53%

$1,396

saved per year vs. your rate

Market avg 11.48%4.95% below avg

$307/mo on $10,000 · 36-mo term

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Our takeNo origination fee, no prepayment penalty. Unemployment Protection pauses payments if you lose your job — uncommon among personal lenders. Member benefits include career coaching and financial planning.

SoFiTrusted

NMLS verified$5,000–$100,000

APR

6.99%

$1,350

saved per year vs. your rate

Market avg 11.48%4.49% below avg

$309/mo on $10,000 · 36-mo term

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Our takeOffers a secured personal loan backed by home fixtures for a lower rate than the unsecured option — one of very few personal lenders with this structure. Unsecured loans also available with fast funding.

Best EggTrusted

NMLS verified$2,000–$50,000

APR

6.99%

$1,350

saved per year vs. your rate

Market avg 11.48%4.49% below avg

$309/mo on $10,000 · 36-mo term

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Our takeRate Beat program guarantees to beat any competitor's APR by 0.10% if you qualify. Same-day funding available. No origination fee, no prepayment penalty — designed for excellent-credit borrowers.

LightStreamTrusted

NMLS verified$5,000–$100,000

APR

7.24%

$1,325

saved per year vs. your rate

Market avg 11.48%4.24% below avg

$310/mo on $10,000 · 36-mo term

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Our takeAccepts co-signers and a secured option backed by a vehicle — more flexible than most personal lenders for borrowers who need support qualifying. Joint applications also available.

Upgrade

NMLS verified$1,000–$50,000

APR

7.74%

$1,275

saved per year vs. your rate

Market avg 11.48%3.74% below avg

$312/mo on $10,000 · 36-mo term

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Our takeDesigned to pay off credit card debt — shows side-by-side monthly savings vs. carrying a balance. Payoff Loan structure rewards on-time payments with a rate discount on future loans.

Happy Money

NMLS verified$5,000–$50,000

APR

7.95%

$1,254

saved per year vs. your rate

Market avg 11.48%3.53% below avg

$313/mo on $10,000 · 36-mo term

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