Access fast, flexible funding for any purpose with competitive rates and convenient terms. Get the money you need without the hassle.
A personal loan is an unsecured loan that provides you with a lump sum of money for virtually any purpose. Whether you need to cover unexpected expenses, make a major purchase, consolidate debt, or fund a home improvement project, personal loans offer flexible financing with fixed rates and predictable monthly payments.
Unlike credit cards, personal loans have fixed interest rates and set repayment terms, making it easier to budget and plan. With loan amounts ranging from $1,000 to $100,000 and repayment terms of 1-7 years, you can find a loan that fits your needs and financial situation.
Get approved quickly and receive funds in as little as 24 hours.
Enjoy predictable monthly payments with rates that won't change over time.
Most personal loans are unsecured, so you don't need to risk your assets.
Use the funds for any purpose - debt consolidation, home repairs, medical bills, or major purchases.
Making on-time payments helps improve your credit score over time.
Personal loans often offer significantly lower interest rates than credit cards.
Find the best personal loan for your needs. Compare rates, terms, and benefits from our trusted lending partners.
| Lender | Rating | APR Range | Loan Amount | Funding Speed | Action |
|---|---|---|---|---|---|
| SoFi | ★★★★★ | 8.99% - 29.99% | $5,000 - $100,000 | 1-7 business days | Call Now Get Quote |
| LightStream | ★★★★★ | 7.49% - 25.99% | $5,000 - $100,000 | Same day funding | Call Now Get Quote |
| Marcus by Goldman Sachs | ★★★★★ | 7.99% - 24.99% | $3,500 - $40,000 | 1-3 business days | Call Now Get Quote |
| Discover Personal Loans | ★★★★☆ | 7.99% - 24.99% | $2,500 - $40,000 | 1 business day | Call Now Get Quote |
| Upstart | ★★★★☆ | 6.50% - 35.99% | $1,000 - $50,000 | 1 business day | Call Now Get Quote |
| Prosper | ★★★★☆ | 8.99% - 35.99% | $2,000 - $50,000 | 3-5 business days | Call Now Get Quote |
| Upgrade | ★★★★☆ | 8.49% - 35.99% | $1,000 - $50,000 | 1 business day | Call Now Get Quote |
| Best Egg | ★★★★☆ | 8.99% - 35.99% | $2,000 - $50,000 | 1 business day | Call Now Get Quote |
Review your credit score and determine how much you need to borrow.
Shop around for the best rates and terms from multiple lenders.
Complete the application process with your chosen lender.
Carefully review the loan agreement, including APR, fees, and repayment schedule.
Once approved, receive your funds quickly, often within 1-2 business days.
Personal loans can be used for almost any purpose, including debt consolidation, home improvements, medical expenses, major purchases, weddings, vacations, moving expenses, or emergency costs.
While requirements vary by lender, most personal loans require a minimum credit score of 580-600. Better credit scores typically qualify for lower interest rates and better terms.
Many online lenders offer same-day or next-day funding after approval. Traditional banks may take several business days to disburse funds.
Unsecured personal loans don't require collateral and are based on your creditworthiness. Secured loans require collateral (like a car or savings account) and typically offer lower rates.
Some lenders charge origination fees (typically 1-8% of the loan amount), late payment fees, or prepayment penalties. Always review the fee structure before accepting a loan.
Most lenders allow early repayment, but some charge prepayment penalties. Check your loan agreement for any early payoff fees before making extra payments.
Compare personalized rates from top lenders and get the funding you need with flexible terms.
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