WiseFind the Right Personal Loan for Your Needs
Choosing the right lender can save you thousands. Compare 18 top personal loan providers below.
All 18 Lenders
1. SoFi Personal Loans
Best OverallKey Features
SoFi stands out with zero origination fees, zero late fees, and unemployment protection. Member benefits include career coaching and financial planning.
2. LendingClub
Fast FundingKey Features
LendingClub pioneered peer-to-peer lending and now operates as a full-service bank with joint loan applications available.
3. Upstart
AI-PoweredKey Features
Upstart uses AI to evaluate borrowers beyond credit scores, considering education and employment history.
4. Prosper
EstablishedKey Features
America's first peer-to-peer marketplace with over $23 billion in loans facilitated.
5. Avant
Bad Credit OKKey Features
Specializes in serving borrowers with fair to poor credit with accessible financing options.
6. Best Egg
Quick ProcessKey Features
Offers both unsecured and secured personal loan options with vehicle collateral for better rates.
7. Marcus by Goldman Sachs
No FeesKey Features
No origination fees, late fees, or prepayment penalties. Rewards on-time payments with deferral options.
8. Discover Personal Loans
Trusted BrandKey Features
Lowest max APR in industry at 24.99%. 30-day money-back guarantee if you change your mind.
9. LightStream
Lowest RatesKey Features
Lowest rates available for qualified borrowers. Rate Beat Program promises to beat any qualifying rate.
10. Upgrade
VersatileKey Features
Comprehensive financial platform including loans, credit cards, and banking with free credit monitoring.
11. Payoff
Debt ConsolidationKey Features
Specializes exclusively in credit card consolidation with personalized support and wellness coaching.
12. OneMain Financial
In-PersonKey Features
Secured and unsecured loans with no minimum credit score. 1,400+ branch locations nationwide.
13. Rocket Loans
Same-DayKey Features
Part of Rocket Companies. Streamlined digital experience with same-day funding and autopay discounts.
14. PenFed Credit Union
Credit UnionKey Features
Competitive rates with max APR of just 17.99%. Anyone can join with small donation to qualifying org.
15. Achieve Personal Loans
Debt SolutionsKey Features
Formerly Freedom Financial. Comprehensive debt solutions including loans and resolution services.
16. Happy Money
Wellness FocusKey Features
Psychology-based approach to debt freedom, focusing exclusively on credit card payoff with wellness tools.
17. Universal Credit
Fair CreditKey Features
Powered by Upgrade, caters to borrowers with fair to poor credit with min score of just 560.
18. NetCredit
Bad CreditKey Features
Serves borrowers who may not qualify elsewhere. Higher rates but reports to bureaus to help build credit.
Important Information
Information is for educational purposes based on data as of January 2026. APRs and terms subject to change. Always verify with lenders directly. This is not financial advice or endorsement.
How to Choose the Best Personal Loan
Consider these factors when comparing options.
Compare APRs, Not Just Interest
APR includes both interest rate and fees, giving you the true cost of borrowing. A lower rate with high fees may cost more.
Check Your Credit Score First
Know your score to target lenders most likely to approve you at competitive rates. Many offer soft-pull prequalification.
Consider Total Loan Cost
Longer terms mean lower payments but more interest over time. Calculate total cost, not just monthly payment.
Watch for Hidden Fees
Some lenders charge origination fees, prepayment penalties, or late fees. Read all terms carefully before accepting.
Frequently Asked Questions
What is the best personal loan for bad credit in 2026?
For bad credit, consider Upstart (AI-based, no min score), Avant (accepts 580+), OneMain Financial (secured options, no min), or Universal Credit (accepts 560+).
Which lender has the lowest interest rate?
LightStream offers rates as low as 7.49% APR for excellent credit. SoFi and Marcus also offer competitive rates starting around 8.99% APR.
How fast can I get funded?
Many lenders offer same-day or next-day funding. Rocket Loans, LightStream, and Upgrade are known for quick turnaround times.
What credit score do I need?
Requirements vary: Premium lenders (SoFi, LightStream) need 660-680+. Mid-tier (LendingClub) around 600. Bad credit options (Avant, OneMain) accept 580 or below.
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