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A personal loan can make good financial sense in a variety of circumstances; for example, debt consolidation, emergency expenses or making a large purchase. While those with higher credit scores get the lowest rates, there are good options available for those with average or lower credit. Search through personal loan offers from many of 2020’s lenders
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Lender
Lender
Est. Apr
Term of Loan
Max Loan Amount
Min. Credit Score i
Our picks for best personal loans
In This Article +
Best Personal Loan Lenders of 2019
LendingClub
Highlights
- Borrow up to $35,000 with rates starting from 5.99% APR
- Receive your money in as few as 5 days
- Fast, easy online application
- Make fixed monthly payments
EST. APR
8.98 - 35.99%
Term of Loan
36 - 60 months
Max Loan Amount
$40,000
Min. Credit Score
i
LendingPoint
Highlights
- Personal loans from $3,500 to $36,500 and rates from 9.99% to 35.99% APR with no prepayment penalties
- Check your rate for free without impacting your credit score
- Qualified customers receive offers in three simple steps, and funds in as little as 24 hours if approved
- LendingPoint's customer success representatives are available online or by phone 24/7
EST. APR
7.99 - 35.99%
Term of Loan
24 - 72 months
Max Loan Amount
$36,500
Min. Credit Score
i
Upgrade
Highlights
- Affordable loans from $1,000 to $35,000 with low fixed rates from 5.96% to 35.97% APR*
- Fast funding Money sent to your bank account within 1 day of clearing necessary verifications**
- No obligation and no impact to your credit score when you check your rate
- Fixed rate that will never increase
EST. APR
7.99 - 35.99%
Term of Loan
36 - 60 months
Max Loan Amount
$50,000
Min. Credit Score
i
Prosper
Highlights
- Innovative peer-to-peer loans trusted by 250,000+
- No teaser rates/hidden fees - 5.99% APR+
- Get up to $35,000 with 5 years to pay it back
- 650+ Credit Score Required
EST. APR
6.99 - 35.99%
Term of Loan
24 - 60 months
Max Loan Amount
$50,000
Min. Credit Score
i
BestEgg
Highlights
- Get a personal loan up to $35,000 with a fixed APR from 5.99% to 29.99%
- Get money in as little as one business day, upon approval and verification
- Join more than 450,000 customers at a trusted company with an A+ BBB rating
- Use it for almost anything: consolidate debt or other unexpected expenses
EST. APR
8.99 - 35.99%
Term of Loan
36 - 60 months
Max Loan Amount
$50,000
Min. Credit Score
i
Achieve
Highlights
- Competitive rates and loan amounts up to $50,000
- 24-hour approvals and access to cash in 48 hours**
- No prepayment penalties, no hidden fees, and no collateral required
- A dedicated team of specialists who find the best offer for you
EST. APR
6.99 - 35.99%
Term of Loan
24 - 60 months
Max Loan Amount
$50,000
Min. Credit Score
i
Happy Money
Highlights
- With a Happy Money Loan, you, like other Happy Money Members, could raise your credit score by 40 points*
- You can consolidate all your credit card payments down to one monthly, affordable, fixed-rate payment between 8% and 25% APR
- You WON'T pay any prepayment penalties, application fees, late fees or hidden fees. Because no one wants to do that
- Loans for refinancing credit card debt from $5,000 to $35,000
EST. APR
7.99 - 29.99%
Term of Loan
24 - 60 months
Max Loan Amount
$35,000
Min. Credit Score
i
SoFi
Highlights
- Huge flexibility - Loans between $5k - 100k
- Fixed rates starting at 8.99 % with all discounts
- 3, 5, 7 year repayment terms
- No Fees Required and No Origination Fees Required
EST. APR
8.99 - 25.81%
Term of Loan
36 - 72 months
Max Loan Amount
$99,999
Min. Credit Score
i
OneMain Financial
Highlights
- Personal loans typically from $1,500-$25,000 with APRs from 25.10% - 35.99%
- Flexible. Terms that fit your needs and no pre-payment fees
- Fast. Loan decisions as quickly as 1 hour
- Convenient. Apply online, by phone or at your local branch
EST. APR
18.00 - 35.99%
Term of Loan
24 - 60 months
Max Loan Amount
$20,000
Min. Credit Score
i
Avant
Highlights
- Avant provides access to personal loans from $2,000 to $35,000*, terms from 24 to 60 months*, and APRs from 9.95% to 35.99%* which include a 4.75% administration fee
- The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors
- Checking your rate does not affect your credit score
- Funding as soon as the next business day if application is approved by 4:30pm CT Monday-Friday
EST. APR
9.95 - 35.99%
Term of Loan
24 - 60 months
Max Loan Amount
$35,000
Min. Credit Score
i
The Minimum Credit Score is based on FICO® credit scoring. This is just one scoring method and a personal loan issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Here’s a Summary of Best Personal Loans:
Lender
Lender
Est. Apr
Term of Loan
Max Loan Amount
Min. Credit Score i
More Details about Our Favorite Personal Loan Lenders
Here’s a Summary of Best Personal Loans:
Lender
Lender
Est. Apr
Term of Loan
Max Loan Amount
Min. Credit Score i
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