Ratings & Reviews

Best Personal loans

Compare the best personal loan rates and lenders to fit your unique needs.

What is the best personal loan to get? Which bank/lender has the lowest interest rate on a personal loan? Banks and online lenders are still offering personal loans despite the pandemic — even if your credit score is fair or low, or if your income has recently changed. To determine the best personal loans of 2020, we compared every major lender’s interest rates, loan terms, customer satisfaction, customer support, and updated our ratings to reflect changes due to COVID-19.

Benefits of a personal loan

  • Competitive fixed-rate, fixed-term.
  • Fixed monthly payment
  • No origination fee or prepayment penalty.
  • Simple online application.
  • Get your funds, often by the next day.
  • Loans from $100 – $100,000.

Personal Loan Calculator

How much interest will you have to pay? Use the calculator below to see estimated interest rates and payments for a personal loan. Here’s how it works:


  • Choose your credit score range. For example, if your credit score is 740, you’re in the excellent range. If you don’t know your credit score, you can get a free credit score on NerdWallet.
  • Choose your desired loan amount and loan term. Typical personal loan amounts range from $1,000 to $100,000, while loan terms range from 12 months to 180 months. A longer loan term will result in lower monthly payments, but higher interest costs.
How much do you want to borrow?
For how long?
Your credit rating:
Loan amount
Loan Term
APR
Credit rating
Interest to pay
Processing
Repayment amount
Total to pay

Best Personal Loan Companies

Personal loan interest rates currently range from about 5 percent to 36 percent. The actual rate you receive depends on multiple factors, such as your credit score, annual income, and debt ratios. To find the best personal loan for your financial situation, it’s best to shop around and compare personal loan rates from multiple lenders.

LENDERS

DETAILS

Personal Loans
Auto Loans
Business Loans
Student Loan Refi

Personal-Loans-supermoney

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $35,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: $15
Time to fund: As soon as the next business day after successful verification

A Loan To Pay Off Credit Cards

Personal-Loans-payoff

Rates from (APR): 5.99% - 24.99%
Loan term: 2 - 5 years
Max loan amount: $35,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 5%
Check processing fee: None
Late fee: None 
Time to fund: As soon as 2 - 5 business days after verification

Personal Loans
Auto Loans
Commercial Lending
Mortgage


Personal-Loans-axosbank

Rates from (APR): 6.49% - 29.99%
Loan term: 1 - 5 years
Max loan amount: $35,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None
Time to fund: Funding within 2 days of acceptance of final loan offer

Compare Personalized Loan Offers In Less Than 60 Seconds

Personal-Loans-even

Rates from (APR): from 4.99%
Loan term: 1 - 15 years
Max loan amount: $100,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: $0-$15
Time to fund: As soon as the next business day after successful verification

Installment Loans - An Alternative Solution to Payday Loans

Personal-Loans-maxlend

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $3,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None
Time to fund: You will be offered FREE same day funding

Helping people with bad credit

Personal-Loans-badcreditloans

Rates from (APR): 5.99% and 35.99%
Loan term: 3 - 72 month
Max loan amount: $10,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: None
Check processing fee: None
Late fee: 0% - 2%
Time to fund: As soon as the next business day after successful verification

Personal loans

Receive up to $50,000 in your checking account as soon as next business day.

Personal-Loans-honestloans

Rates from (APR): from 5.96%
Loan term: 1 - 12 years
Max loan amount: $50,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None
Time to fund: As soon as the next business day after successful verification

Online Payday Loans

Personal-Loans-acecashexpress

Rates from (APR): from 5.96%
Loan term: Payday loans
Max loan amount: $1.500
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: $0-$15
Time to fund: As soon as the next business day after successful verification

Online Payday Loans

Personal-Loans-checkcity

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $35,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: $15
Time to fund: As soon as the next business day after successful verification

Personal Loans

Personal-Loans-smarterloan

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $10,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None
Time to fund: As soon as the next business day after successful verification

Personal Loans

Personal-Loans-opploans

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $10,000
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None
Time to fund: As soon as the next business day after successful verification

Personal Loans

Personal-Loans-zoca

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $1.500
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None
Time to fund: As soon as the next business day after successful verification

Personal Loans

Personal-Loans-landyou

Rates from (APR): from 5.96%
Loan term: 1 - 5 years
Max loan amount: $2.500
Prepayment penalty: None
Unsuccessful payment fee: None
Origination fee: 0% to 2%
Check processing fee: None
Late fee: None 
Time to fund: As soon as the next business day after successful verification

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