Personal Loan Rates — Compare Lenders

Compare Personal Loan Rates

Personal loans can be used for debt consolidation, home improvement, medical expenses, or any major purchase. Rates start as low as 5% APR for borrowers with excellent credit. Pre-qualifying is free and doesn't affect your credit score.

What Determines Your Loan Rate?

• Credit score — 720+ gets the best rates. 660-719 still competitive
• Debt-to-income ratio — Below 36% is ideal. Most lenders cap at 43-50%
• Income — Higher income can qualify for lower rates and higher amounts
• Loan amount and term — Shorter terms (2-3 years) usually have lower rates
• Loan purpose — Debt consolidation often gets better rates than other uses

Top Personal Loan Lenders

• SoFi — Loans up to $100K, no fees, unemployment protection
• Marcus by Goldman Sachs — No fees, flexible payment options
• Upstart — Considers education and job history, not just credit
• LendingClub — Peer-to-peer lending, loans up to $40K
• LendingPoint — Flexible terms, loans up to $36.5K