Rates Updated for December 3, 2024

Compare Personal Loan Companies in 2024

Compare Top-Rated Personal Loan Offers & Apply Today!

đź‘Ť Top-Rated Lenders
đź’° Loans Up to $200,000
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Highly Rated
Top-Rated Personal Loan Marketplace

Credible

Top-Rated Personal Loan Marketplace
APR: 6.94% - 35.99%
Loan Terms: 12-120 months
Loan Amount: $1k - $200k
Most Popular Choice
GET STARTED visit Credible

More Info About Credible

  • Personalized rates from up to 17 vetted lenders in 2 minutes, ranging from 6.94% APR to 35.99% APR, all for free
  • Credible is a top-rated personal loan marketplace to find a personal loan with not cost to you
  • Checking your personal loan rates with Credible won’t affect your credit score
  • Get a personal loan for debt consolidation, credit card refinancing, wedding expenses, used cars, home improvements, or virtually anything else
  • Once you’ve completed the loan application process, most lenders can fund your loan by the next business day (though it can take up to about a week, depending on the lender and your application).
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Loans up to $100,000

LightStream

Loans up to $100,000
APR: 6.94% - 25.29%
Loan Terms: 24-84 months
Loan Amount: $5k - $100k
GET STARTED via Credible

More Info About LightStream

  • LightStream offers personal loans for practically any need, which includes home renovations, credit card consolidation, auto refinancing, medical bills, and more
  • Perfect for those with good to excellent credit
  • LightStream is a popular choice for large home improvement loans or purchases, since you may qualify for up to $100,000
  • LightStream offers a joint application option and an autopay discount
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Our #1 Choice:

Highly Rated
Top-Rated Personal Loan Marketplace

Credible

Top-Rated Personal Loan Marketplace
APR: 6.94% - 35.99%
Loan Terms: 12-120 months
Loan Amount: $1k - $200k
Most Popular Choice
GET STARTED visit Credible

More Info About Credible

  • Personalized rates from up to 17 vetted lenders in 2 minutes, ranging from 6.94% APR to 35.99% APR, all for free
  • Credible is a top-rated personal loan marketplace to find a personal loan with not cost to you
  • Checking your personal loan rates with Credible won’t affect your credit score
  • Get a personal loan for debt consolidation, credit card refinancing, wedding expenses, used cars, home improvements, or virtually anything else
  • Once you’ve completed the loan application process, most lenders can fund your loan by the next business day (though it can take up to about a week, depending on the lender and your application).
GET STARTED

How to Get a Personal Loan in 3 Steps

Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.94% – 35.99%. APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

Step 1

Compare Lenders On This Page & Click "GET STARTED"

Step 2

Fill out Some Basic Information On Credible's Secure Site

Step 3

Finish Securing Your Personal Loan Directly With the Lender of Your Choice

Personal Loan FAQ

What Credit Score do I need to Qualify?

Typically, you’ll need at least a 600+ credit score to be able to borrow money from a personal loan lender.

What Can I Use the Money For?

Personal loans can literally be used for almost any reason! People often take out personal loans to pay for unplanned expenses, refinance credit cards, pay for weddings, used cars, swimming pools, and home improvements.

Will Getting a Personal Loan Affect My Credit?

No, in most cases, taking out a personal loan will actually improve your credit score over time. This is because borrowing money, when you pay it back on time every month, is seen as a major positive in the eyes of lenders and banks. As such, your credit score will actually improve over time if you make your monthly personal loan payments on time.

What Will my Monthly Payment Be?

Your monthly personal loan payment depends on your income, loan amount, and credit score. Typically, the higher your income, the lower your interest rate, and the lower your monthly payment will be.

How Do I Get The Money

Upon approval for your personal loan, most lenders will actually deposit the money directly into your bank account. You don’t even have to leave your home!

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