Best Personal Loans of 2025
Unsecured loans for any purpose. We compared 48+ lenders to find the top picks for every borrower profile. Last updated April 2025.
SoFi
APR Range
8.99% – 25.81%
Loan Amount
$5,000 – $100,000
Min Credit
680+
SoFi offers competitive personal loans with no fees, unemployment protection, and member benefits.
Soft pull only · No credit impact
LightStream
APR Range
7.49% – 25.49%
Loan Amount
$5,000 – $100,000
Min Credit
660+
LightStream is the online lending division of Truist Bank, offering some of the lowest personal loan rates.
Soft pull only · No credit impact
Upgrade
APR Range
9.99% – 35.99%
Loan Amount
$1,000 – $50,000
Min Credit
580+
Upgrade offers accessible personal loans with flexible terms and fast funding for fair credit borrowers.
Soft pull only · No credit impact
Personal Loans — Frequently Asked Questions
What is the best personal loans rate right now?
The best personal loans rates start around 7–9% APR for borrowers with excellent credit (720+). Rates vary by lender, loan amount, term, and your credit profile. Use our comparison tool above to check personalized rates without impacting your credit.
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.