2026 TOP LENDERS
Personal Loan
Personal Loan
Comparison & Calculator
Monthly Payment
$0.00
Principal: $0.00
Total Interest: $0.00
Total Payback: $0.00
FILTER RESULTS BY SCORE:
| Lender | Est. APR | Credit Score | Our Take | Action |
|---|---|---|---|---|
S SoFi |
8.99% – 25.8% | 680+ (Good) | Best for No Fees | Check Rate |
U Upstart |
7.8% – 35.9% | 580+ (Fair) | Fast Approval | Check Rate |
L LightStream |
6.99% – 22.4% | 740+ (Excellent) | Low Fixed Rates | Check Rate |
Personal Loans: What You Need to Know
A personal loan is a lump sum of money borrowed from a bank, credit union, or online lender that you pay back in fixed monthly installments. In 2026, the average APR for borrowers with excellent credit is around 10-12%, while those with fair credit may see rates above 20%.
Pro Tip: Always check if a lender offers “Pre-qualification.” This allows you to see your estimated rate with a Soft Credit Pull, which won’t hurt your credit score.
Common Questions
How fast can I get my money?
Most online lenders provide funding within 24 to 48 hours after approval.
Is there a penalty for paying early?
Leading lenders like SoFi do not charge prepayment penalties. Always check the fine print!