We reviewed 55 lenders for APR, fees, loan amounts, and funding speed. Compare real offers in 2 minutes with no impact to your credit score. Loans from $100 to $100,000, funded as fast as same day.
📅 Last updated: April 17, 2026 — Rates verified weekly from lender websites. Average personal loan rate: 12.04% APR (Bankrate, Apr 2026).
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APR ranges reflect each lender's published minimum and maximum rates as of April 2026. Your actual rate depends on your credit score, income, loan amount, and term. Always compare multiple lenders before applying.
Loan rates, fees, and lender availability vary by state. Find state-specific personal loan information below.
We evaluate lenders on APR range, fees, loan amounts, credit requirements, funding speed, and customer satisfaction.
Checking your rate uses a soft credit pull which has no effect on your credit score. Only formal applications trigger hard pulls.
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Many top lenders fund same-day or next-day when approved before 2:30pm ET.
See exactly what you'll pay. Adjust loan amount, APR, and term to get instant monthly payment + full amortization.
Most top lenders prefer 660 or higher. Upstart accepts borrowers with scores as low as 580. OneMain Financial has no minimum. Higher scores qualify for better rates. A 720+ score typically qualifies for rates under 10% APR.
LightStream and SoFi can fund the same day you apply if approved before 2:30pm ET. Most online lenders fund within 1-3 business days. Banks and credit unions typically take 3-7 days.
Debt consolidation, home improvement, medical bills, weddings, moving costs, car repairs, and most legal purposes. Most lenders do not allow gambling, college tuition, or real estate down payments.
No. Pre-qualification uses a soft credit pull which has no impact on your credit score. A hard pull only happens if you formally apply for the loan with a specific lender.
For large purchases over $5,000 that you cannot pay off quickly, a personal loan is usually cheaper due to lower fixed rates. For smaller needs that can be paid off within 12-18 months, a 0% intro APR credit card may be better.
Under 10% is excellent (reserved for 720+ credit scores). 10–15% is good. 15–20% is fair. Above 20% is high; explore alternatives or work on your credit first. Always compare APR across multiple lenders, not just the monthly payment.
Yes. Provide 2 years of tax returns (Schedule C), 3–6 months of bank statements, and a profit & loss statement if available. SoFi, LightStream, and Upstart all accept self-employed borrowers. Income consistency matters more than employment status.
Contact your lender immediately. Most offer hardship programs, payment deferrals, or modified plans. Missing payments hurts your credit score significantly. After 90+ days, the loan may go to collections. Proactive communication is always better than missing a payment silently.
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