Compare Personal Loans
Unsecured loans for any purpose. Last updated April 2025.
SoFi
APR Range
8.99% – 25.81%
Check the lender for current rates
Loan Amount
$5,000 – $100,000
Min Credit
680+
SoFi offers competitive personal loans with no fees, unemployment protection, and member benefits.
You apply on the lender’s site
LightStream
APR Range
7.49% – 25.49%
Check the lender for current rates
Loan Amount
$5,000 – $100,000
Min Credit
660+
LightStream is the online lending division of Truist Bank, offering unsecured personal loans with no fees for borrowers with strong credit.
You apply on the lender’s site
Upgrade
APR Range
9.99% – 35.99%
Check the lender for current rates
Loan Amount
$1,000 – $50,000
Min Credit
580+
Upgrade offers accessible personal loans with flexible terms and fast funding for fair credit borrowers.
You apply on the lender’s site
Personal Loans — Frequently Asked Questions
What is the best personal loans rate right now?
Personal Loans rates depend on the lender, loan amount, term and your credit profile, and they change often. Compare current offers from several lenders and check each lender's published rates before you apply.
How do I qualify for a personal loans?
Most lenders require a minimum credit score of 580–680, verifiable income, and a debt-to-income ratio under 45–50%. Some lenders specialize in borrowers with lower credit scores. Compare your options above to find lenders that match your profile.
How long does it take to get funded?
Many online lenders fund within 1–3 business days after approval. Some offer same-day or next-day funding. Traditional banks can take 5–10 business days.