Get a personal loan that works for you
Whether you’re looking to eliminate debt or access cash fast, find personal loans matched to you.⍉
Get startedGet a better rate
Save money on interest by finding a lower rate.
Use funds however you need
Fund home improvement projects, cover emergency expenses and more.
Consolidate debt
Combine your debts into one manageable payment.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.
Partner loan offers
Est. APR | 7.99 - 17.97% |
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Term | 36 - 72 mo |
Loan amount | $5,000 - $50,000 |
Est. APR | 10.26 - 25.31% |
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Term | 60 - 120 mo |
Loan amount | $20,000 - $200,000 |
Est. APR | 9.99 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $1,000 - $50,000 |
Est. APR | 8.99 - 35.99% |
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Term | 24 - 60 mo |
Loan amount | $2,000 - $50,000 |
Est. APR | 14.30 - 35.99% |
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Term | 24 - 60 mo |
Loan amount | $5,000 - $40,000 |
Est. APR | 8.99 - 29.99% |
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Term | 24 - 84 mo |
Loan amount | $5,000 - $100,000 |
Est. APR | 7.99 - 35.99% |
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Term | 24 - 48 mo |
Loan amount | $2,000 - $30,000 |
Est. APR | 160.00% |
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Term | 9 - 24 mo |
Loan amount | $500 - $4,000 |
Est. APR | 8.98 - 35.99% |
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Term | 24 - 60 mo |
Loan amount | $1,000 - $40,000 |
Est. APR | 9.95 - 35.95% |
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Term | 24 - 60 mo |
Loan amount | $2,000 - $35,000 |
Est. APR | 9.99 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $2,500 - $25,000 |
Est. APR | 5.99 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $2,000 - $50,000 |
Est. APR | 11.72 - 17.99% |
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Term | 24 - 60 mo |
Loan amount | $5,000 - $40,000 |
Est. APR | 18.00 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $1,500 - $20,000 |
Est. APR | 11.69 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $1,000 - $50,000 |
Est. APR | 7.80 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $1,000 - $50,000 |
No offers available
We couldn’t find any loans matching those filters, but we can still match you with other savings options and offers.
Get startedHow to find your best personal loan
Know your FICO® Score
It plays a big role in the personal loans you’re likely to qualify for, and the rates and terms you might get.
Compare loan options
Determine how much you’ll need, then look for a low APR and monthly payment that fits your budget.
Look for extra benefits
Consider lender-specific perks, like getting a reduced interest rate if you set up autopay.
Get pre-qualified
Once you find a personal loan to apply for, pre-qualifying first can tell you if you’re likely to be approved.
Start with your FICO® ScoreΘ and loan offers matched to your credit profile.
Get started for freeΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
Top picks from our partners
Best for Large Amounts: SoFi
Recommended FICO® ScoreΘ
Good - Exceptional
Est. APR | 8.99 - 29.99% |
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Term | 24 - 84 mo |
Loan amount | $5,000 - $100,000 |
Why we picked it
With a $100,000 limit, SoFi personal loans are best suited for those who need to borrow more than what most other lenders are willing to offer. The minimum loan amount is $5,000, and you can repay the loan over two to seven years.
There are no-fee options available. Pay a one-time fee for a lower interest rate. You can even get same-day funding, depending on when your loan is approved. The lender's interest rates are competitive with low fixed rates.
Best for Fast Funding: LendingPoint
Recommended FICO® ScoreΘ
Good
Est. APR | 7.99 - 35.99% |
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Term | 24 - 48 mo |
Loan amount | $2,000 - $30,000 |
Why we picked it
LendingPoint is an online lender that offers fast funding on loans for borrowers with fair credit. Your funds can be available in as quick as the next business day after approval. Loan sizes range from $2,000 to $30,000 and you can repay the loan in two to six years.
Best Personal Loan for Excellent Credit: Prosper
Recommended FICO® ScoreΘ
Poor - Exceptional
Est. APR | 8.99 - 35.99% |
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Term | 24 - 60 mo |
Loan amount | $2,000 - $50,000 |
Why we picked it
Prosper is a peer-to-peer lending system that connects borrowers with investors and collects a fee for its service. A Prosper personal loan can be as small as $2,000 and go up to $50,000. Repayment terms range from 24, 36, 48 or 60 months and there's no prepayment penalty. It can take one to three business days for your funds to become available after approval.
While there's no application fee, you'll need to account for an origination fee. Prosper loans also don't have a grace period, so interest starts accruing right away.
Best for Small Amounts: Upgrade
Recommended FICO® ScoreΘ
Fair - Exceptional
Est. APR | 9.99 - 35.99% |
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Term | 36 - 60 mo |
Loan amount | $1,000 - $50,000 |
Why we picked it
An Upgrade personal loan can be as small as $1,000, making it worth considering if your borrowing needs are too low for other lenders' minimums. Upgrade's loan limit is $50,000, and you can pay back the debt over two to seven years. Funding can occur as soon as the day after approval.
One major drawback to Upgrade is its origination fee, which is deducted from the loan proceeds. The lender's interest rates are competitive but can be high if your credit is less than stellar.
Best for Debt Consolidation: Happy Money
Recommended FICO® ScoreΘ
Fair - Exceptional
Est. APR | 11.72 - 17.99% |
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Term | 24 - 60 mo |
Loan amount | $5,000 - $40,000 |
Why we picked it
Offered by Happy Money, the Payoff personal loan is specifically designed for credit card debt consolidation. Loans range from $5,000 to $40,000, with repayment terms from two to five years.
Borrowers are charged an origination fee depending the your loan amount, repayment term and their creditworthiness. There are no other fees on the loan, however. Funding typically takes between two and five business days, but if you want Happy Money to make a direct payment to your credit card issuers, it can take longer.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
†Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Frequently asked questions
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.