Finding the Best Personal Loan: 7 Top-Rated Personal Loan Companies of 2025

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Finding the Best Personal Loan: 7 Top-Rated Personal Loan Companies of 2025","alternativeHeadline":"Finding the Best Personal Loan: 7 Top-Rated Personal Loan Companies of 2025","image":{"@type":"ImageObject","url":"https://i.insider.com/67698a6ce3e473ef263ac529?width=740&format=jpeg","width":740,"height":555},"name":"Finding the Best Personal Loan: 7 Top-Rated Personal Loan Companies of 2025","datePublished":"2025-01-23T21:43:01Z","dateModified":"2025-01-29T21:03:54Z","description":"Considering a personal loan? Learn more about your options and Business Insider's picks for the 7 best personal loan companies.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.Personal loans can be excellent options for people in need of cash to cover a wide range of expenses like medical bills, home improvement projects, weddings, startup costs for a business, moving costs, and more.One of the most common reasons people take out personal loans is for debt consolidation. There are personal loans for borrowers who want a sizeable chunk of money and for those who just need a small amount to tide them over.0.25% AutoPay interest rate discount and a 0.25% direct deposit interest rate discount8.99% - 29.99% fixed (with all discounts)$5,000 to $100,000680SoFi is a strong personal loan lender for those with high credit scores — you'll get perks like no fees required. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.0.50% discount on regular rates with AutoPay6.99% to 25.49% (with AutoPay discount, rates vary by loan purpose)$5,000 to $100,000660LightStream offers some of the lowest rates on personal loans out there, provided you have a great credit score. The lender also has loans of up to $100,000 and can supply you with funding on the same day you apply and are approved.Offers emergency, home improvement, and debt consolidation loans9.95% to 35.99%$2,000 to $35,000600Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.LightStream stands out with some of the lowest personal loan rates available for borrowers with excellent credit scores. Truist created LightStream for online loans, and the bank offers personal loans for things like home remodels, medical debt, and debt consolidation. Look out for: High credit score requirements. LightStream's minimum credit requirement for a personal loan is 660, so this lender might not be right for all credit types. Get matched to personal loan offers, or read our LightStream Personal Loan review.Service Credit Union has some of the best customer support among personal loan lenders and can get you your money fast. Customer support is available 24 hours a day, seven days a week. The approval process takes about 24 hours, and after your loan application is accepted, you may be able to have the funds in your account the same day. Look out for: Membership requirements. Much like with most credit unions, you'll need to meet certain requirements to be eligible. If you've served in the military or Department of Defense or work at qualifying associations or organizations, you'll qualify. If that doesn't apply to you, you can join the American Consumer Council for free with a promo code. Get matched to personal loan offers, or read our Service Credit Union Personal Loan review.PenFed Credit Union offers personal loans for smaller amounts than many other lenders, making it a good choice for those who just need to borrow a little bit of money for a short time. PenFed will lend you as little as $600. This could make the credit union an attractive alternative to a payday loan. Look out for: Membership requirements. You don't need to be a member of the credit union to apply for a personal loan, but you'll have to be a member to get your loan. If you've served in the military or work at qualifying associations or organizations, you'll qualify.However, you have a pretty easy workaround if that doesn't apply. You can join by opening a savings account with a $5 minimum deposit.Get matched to personal loan offers, or read our PenFed Personal Loan review.SoFi personal loans have a minimum credit score requirement of 680, at the lower end of what's considered a good credit score. People with a good credit score will likely be able to get a good rate with SoFi®, but borrowers with an excellent credit score may be able to get a lower rate with LightStream. Interest rates on these loans range by about 13 percentage points, making for a smaller range than offered by other companies. This means interest rates for borrowers with relatively lower credit scores can only go so high.Look out for: A relatively high minimum income for approval. According to loan comparison site Credible, less than 1% of borrowers approved for personal loans through SoFi have an income of less than $50,000 per year, and a majority make more than $100,000. Get matched to personal loan offers, or read our SoFi Personal Loan review.Avant stands out as a lender that applicants with low credit scores can turn to for personal loans. Personal loans are generally offered to those with better credit scores. Avant offers personal loan options for borrowers with credit scores as low as 600. It has a lower limit than other lenders, with $35,000 as the maximum loan amount.Look out for: Administrative fees. Avant's personal loans carry up to 4.75% in administration fees with an undisclosed late fee and returned payment fee. Considering that many of the other loans on this list don't carry administrative fees, prepayment fees, or origination fees, Avant's fee is high. It's also worth noting that interest rates are high from this lender. While this is a good option for anyone with credit scores in the lower 600s, those with better credit could find better rates elsewhere. Get matched to personal loan offers, or read our Avant Personal Loans review.Upstart differentiates itself from other personal loan lenders with its underwriting process, which is how it decides who gets a loan and how much to charge in interest. Like any lender, Upstart considers credit scores as part of the process. But it also considers employment history and education history, such as where you went to school and your area of study.Look out for: Potentially high origination fees. Upstart's personal loans can have late fee of 5% or $15, whichever is greater. This can take a significant portion out of your overall loan proceeds. Get matched to personal loan offers, or read our Upstart Personal Loan Review.Wells Fargo personal loans offer low interest rates, smaller minimum borrowing amounts, and shorter terms than many others. Wells Fargo offers loans between $3,000 to $100,000, for payoff terms as short as 12 months. Borrowers who want to get their debt under control quickly might find that Wells Fargo's personal loans are flexible enough to tackle debt consolidation. Look out for: It's worth noting Wells Fargo's history with data security and compliance. The bank has faced several federal penalties for improper customer referrals to lending and insurance products, and security issues associated with creating fake accounts several years ago. Get matched to personal loan offers, or read our Wells Fargo Personal Loans review.The best personal loans will offer fast money when you need it, without astronomical fees and interest rates. We looked at loan providers that cater to a variety of credit scores and offer a range of loan term lengths. The best personal loans aren't necessarily from big-name banks; credit unions generally offer lower interest rates, and you can find strong options through online banks, too.A personal loan is an installment loan. That means you borrow money and pay it back with a set repayment schedule of monthly payments over a designated period of time.Most personal loans are unsecured, meaning they don't require you to put down collateral. Since the lender has no collateral to collect if you default on your loan, it can charge higher interest rates for you to borrow.With a secured loan, on the other hand, you'll put down collateral to \"secure\" the money you borrow. Mortgages are examples of secured loans since the house you're paying off can be repossessed if you fail to keep up with payments. Auto loans are also considered secured loans, as cars are tangible assets that the lender can repossess if you default on repayment.Since secured loans are backed by collateral, lenders generally charge less in interest fees. However, most personal loans fall under the unsecured category. That doesn't mean you can't score a low interest rate; if you have a high credit score, you're in a good position to secure the lowest personal loan interest rates even with an unsecured loan.Personal loans also usually come with fixed interest rates. This means the amount of interest you'll pay will stay the same for the entire loan term. With variable-rate personal loans, on the other hand, the interest rate you pay may start out low, but it can change at any time based on market conditions. Many borrowers prefer fixed-rate loans because they offer predictability; your monthly payment won't change, for better or worse.Interest rates for unsecured personal loans are determined largely by your credit score. The higher your credit score, the better your chances of getting the lowest available personal loan interest rates.You can get a personal loan through three types of lenders:Online lenders can provide convenience and offer competitive rates. They typically offer a streamlined qualification and application process, allowing borrowers to apply and receive funds entirely online. Online lenders frequently cater to borrowers with a wide range of credit scores.Banks are the traditional sources of personal loans with established reputations and familiarity. You can visit a local branch to discuss loan options and receive personalized assistance. Some banks offer perks including discounts for existing customers.Credit unions are member-owned financial institutions. They often offer better rates and fees compared to banks, for members in good standing. Credit unions can also be more flexible in their lending criteria for borrowers with lower credit scores. Interest rates for credit union personal loans are capped at 18% by the National Credit Union Administration. To pick the best lender for you, take stock of the factors that are most important to you. Many borrowers zero in on the lowest interest rate. But be sure to also look at any fees, the minimum credit score needed, and the accessibility of the lender's customer service before you apply for personal loans.Also look at the different types of lenders you may borrow with. Some people may feel comfortable with an online lender, while others may prefer a credit union or bank.You'll also want to make sure you're able to select a term length that works for you and that your loan's purpose is allowed by the lender you choose.Guides like this one will help you compare multiple lenders in the same place to weigh their pros and cons. Keep in mind that you should also read individual reviews of any lenders you're considering. Check for low interest personal loan offers without impacting your credit score.Compare Personal Loan RatesYou can usually get access to personal loan funds relatively quickly. Online lenders may offer same-day or next-day funding. Some banks might take a few days.Generally, lenders require a credit score in the mid-600s to qualify for a personal loan, though some will lend to borrowers with lower credit scores. To get a loan with bad credit, you might also want to consider credit unions offering personal loans and secured loans.In theory, you can have an unlimited number of personal loans. But the total number you'll actually be able to get will depend on how many you can qualify for. Your chances of qualifying for a loan will decrease with each loan you take out as your debt-to-income ratio increases.You can use a personal loan for just about anything, from emergency medical expenses to home improvements, large purchases, or even to pay your taxes. Debt consolidation is the most common reason borrowers take out personal loans. See our picks for the best debt consolidation loans.The average personal loan rate is about 12%, so a good rate would be anything below that. You'll have the best chance of getting a lower rate if you have a high credit score.We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories. They are:As you can see, each category is weighted differently. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. See our full ratings methodology for personal loans »We consulted personal loan and financial experts to give their insights into finding the best loan companies for your needs.Markia Brown:\"The interest rate on a personal loan is the price you pay for borrowing the loan. This rate can make a massive difference in the total amount paid over time, so ensuring you have the lowest interest rate available saves you money!\"Ryan Wangman:\"Depending on the interest rate you're charged, you could end up paying hundreds or thousands of dollars more than a borrower with better credit who takes out a similar amount of money.\"Markia Brown: \"The first step is to pull a copy of your credit report from TransUnion, Equifax, and Experian. All you have to do is go to www.annualcreditreport.com.After you pull your credit reports, go through them to identify what could be holding you back from qualifying for a better rate. Some of the information on your credit report is used to generate your credit score, which is used when determining if you qualify for a loan and what your interest rate should be. The five sections used to calculate your credit score are your payment history, credit utilization, length of payment history, mix of accounts, and new accounts or inquiries.\"Ryan Wangman:\"The best way to get a lower rate is to improve your credit history. You can do so by making on time, reliable payments and managing the amount of debt you take out compared to your overall limit.\"There's no one-size-fits pick for the best personal loan that will work for all borrowers. However, there are key features to focus on when making a decision. The most important are:APRs on personal loans can vary widely from one lender to another. The interest rate on your determines how much you'll ultimately repay. Even a relatively small difference in the interest rate can add thousands of dollars over the life of your loan.The term of a personal loan, or the period of time you have to repay it, determines how high or low your monthly payment will be. A longer term will mean a lower payment, but you'll pay in total interest. A shorter term will come with a higher payment and ultimately less overall interest. The best personal loan lenders offer a wide range of terms to choose from.Whether you're interested in taking out a $5,000 loan or a $40,000 loan, finding the right provider can help with your loan approval experience. The Better Business Bureau, a non-profit organization focused on consumer protection and trust, evaluates businesses using factors like their responsiveness to consumer complaints, honesty in advertising, and clarity about business practices. Here is each company's score:All of our top picks, minus Wells Fargo, are rated A or higher by the BBB. Keep in mind that a high BBB score does not ensure a positive relationship with a lender, and that you should keep doing research and talking to others who have used the company to get the most comprehensive information possible.The BBB gives Wells Fargo an F rating because of the business' failure to respond to 24 complaints and government actions against the business. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, it misapplied payments to those loans for many customers.If this history makes you uncomfortable, you may consider using one of the other personal loan lenders on our list.","articleSection":"Personal Finance, Loans, Personal Loans","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How quickly can I get funded from the best personal loans?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can usually get access to personal loan funds relatively quickly. Online lenders may offer same-day or next-day funding. Some banks might take a few days.</p>"}},{"@type":"Question","name":"What credit score do I need for a personal loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Generally, <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/personal-loans/credit-score-needed-for-personal-loan\" data-analytics-product-module=\"body_link\" rel=\"\">lenders require a credit score</a> in the mid-600s to qualify for a personal loan, though some will lend to borrowers with lower credit scores. <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-loan-with-bad-credit\" data-analytics-product-module=\"body_link\" rel=\"\">To get a loan with bad credit</a>, you might also want to consider <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/personal-loans/best-credit-unions-personal-loans\" data-analytics-product-module=\"body_link\" rel=\"\">credit unions offering personal loans</a> and secured loans.</p>"}},{"@type":"Question","name":"Can I have more than one personal loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">In theory, you can have an unlimited number of personal loans. But the total number you'll actually be able to get will depend on how many you can qualify for. Your chances of qualifying for a loan will decrease with each loan you take out as your <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/mortgages/debt-to-income-ratio\" data-analytics-product-module=\"body_link\" rel=\"\">debt-to-income ratio</a> increases.</p>"}},{"@type":"Question","name":"What can you use a personal loan for?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can use a personal loan for just about anything, from emergency medical expenses to home improvements, large purchases, or even to pay your taxes. Debt consolidation is the most common reason borrowers take out personal loans. See our picks for the <a target=\"_blank\" href=\"https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans\" data-analytics-product-module=\"body_link\" rel=\"\">best debt consolidation loans</a>.</p>"}},{"@type":"Question","name":"What is a good rate for a personal loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The average personal loan rate is about 12%, so a good rate would be anything below that. You'll have the best chance of getting a lower rate if you have a high credit score.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/loans","name":"Loans"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/personal-loans","name":"Personal Loans"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans","name":"Finding the Best Personal Loan: 7 Top-Rated Personal Loan Companies of 2025"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Sarah Silbert" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/libby-kane" >Libby Kane</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate personal loans</a> to write unbiased product reviews.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#best-personal-loans" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Personal Loans </a> </li> <li> <a href="#best-for-excellent-credit" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Excellent Credit </a> </li> <li> <a href="#best-for-customer-support" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customer Support </a> </li> <li> <a href="#best-for-small-loan-amounts" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Small Loan Amounts </a> </li> <li> <a href="#best-for-fair-credit" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Fair Credit </a> </li> <li> <a href="#best-for-low-credit" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Low Credit </a> </li> <li> <a href="#best-for-limited-credit-history" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Limited Credit History </a> </li> <li> <a href="#best-for-flexible-terms" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Flexible Terms </a> </li> <li> <a href="#how-to-choose-a-personal-loan" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Choose a Personal Loan </a> </li> <li> <a href="#find-your-rate" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Find Your Rate </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>Personal loans can be excellent options for people in need of cash to cover a wide range of expenses like medical bills, home improvement projects, weddings, startup costs for a business, moving costs, and more.</p><p>One of the most common reasons people take out personal loans is for <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-analytics-product-module="body_link" rel="">debt consolidation</a>. There are personal loans for borrowers who want a sizeable chunk of money and for those who just need a small amount to tide them over.</p><h2 id="best-personal-loans" data-toc-id="d4b6ab5a-1324-4bf0-9da2-5e04fb2640a4" data-toc-label="Best Personal Loans" class="toc-anchor">Best Personal Loan Companies</h2><ul><li>Best personal loan for excellent credit: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D">LightStream Personal Loan</a></li><li>Best personal loan for customer support: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="60d6303d531b670011376b9d" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Credit Union Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=bd42ee595298b7d310787846b1ffd88880b1691fe45df9e2df64de12ee92abe1&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dservice-credit-union" data-am-orig-url="https://affiliate.insider.com/?h=bd42ee595298b7d310787846b1ffd88880b1691fe45df9e2df64de12ee92abe1&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dservice-credit-union">Service Credit Union Personal Loan</a></li><li>Best personal loan for fair credit: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD">SoFi® Personal Loan</a></li><li>Best personal loan for small loan amounts: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="60998cf93a360c0011e3f51c" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="PenFed Credit Union Personal Loan" href="https://secure.money.com/pr/j077e6da279d">PenFed Credit Union Personal Loan</a></li><li>Best personal loan for low credit: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant">Avant Personal Loan</a></li><li>Best personal loan for borrowers with limited credit history: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D">Upstart Personal Loan</a></li><li>Best personal loan for flexible terms: <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo Personal Loan</a></li></ul><h3 id="699b4712-25d4-4736-af44-7eb3c0fcb417" data-toc-id="699b4712-25d4-4736-af44-7eb3c0fcb417">Featured Personal Loan Options</h3> <div id="sofi®-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">SoFi® Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" rel="nofollow noindex" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On SoFi®'s website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" rel="nofollow noindex" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5eaae52b14419261e02d9960?width=400" alt="SoFi® SoFi® Personal Loan"> <noscript> <img class="no-script" src="https://i.insider.com/5eaae52b14419261e02d9960?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5eaae695cdfd485bbd7110eb-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating 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44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.47834209988570753"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.47834209988570753)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.25% AutoPay interest rate discount and a 0.25% direct deposit interest rate discount</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 3/06/23 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">8.99% - 29.99% fixed (with all discounts)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $100,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">680</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High maximum loan limit</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No fees required</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive APR</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High minimum credit score requirement</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High minimum loan amount</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No in-person support</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">SoFi is a strong personal loan lender for those with high credit scores — you'll get perks like no fees required. The best personal loan for you depends on your credit score, which will determine what you qualify for and can lower your rate.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/sofi-personal-loans-review" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> SoFi <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 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class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 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data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" rel="nofollow noindex" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" 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headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.027105833283340708"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.027105833283340708)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9210602749634356"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9210602749634356)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.907116415448953"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.907116415448953)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.17950167414074314"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.17950167414074314)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.05263337897867726"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.05263337897867726)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0.50% discount on regular rates with AutoPay</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">6.99% to 25.49% (with AutoPay discount, rates vary by loan purpose)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$5,000 to $100,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">660</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 6" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Competitive APR</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Approval decisions should come shortly after applying</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Loans can be funded the same day</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Wide range of borrowing amounts and terms</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only available to people with good credit</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No pre-approval option</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">LightStream offers some of the lowest rates on personal loans out there, provided you have a great credit score. The lender also has loans of up to $100,000 and can supply you with funding on the same day you apply and are approved.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/lightstream-personal-loan-review" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> LightStream Personal Loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $5,000 to $100,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range from 2 to 12 years</li> <li class="financial-product-card__product-details__list-item">Apply online and you'll receive a response shortly during business hours.</li> <li class="financial-product-card__product-details__list-item">Receive your funds as soon as the same day</li> <li class="financial-product-card__product-details__list-item">Loans are made by Truist Bank, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="avant-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Avant Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" rel="nofollow noindex" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" rel="nofollow noindex" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/644fcc21da6d7b0019bdc540?width=400" alt="Avant Avant Personal Loan"> <noscript> <img class="no-script" src="https://i.insider.com/644fcc21da6d7b0019bdc540?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5ea8966d6985254f9a06a0aa-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3445275392011202"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3445275392011202)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6351907215146484"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6351907215146484)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5545503456929775"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5545503456929775)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5755958241478674"> <stop stop-color="#faa809" offset="75%"></stop> <stop stop-color="white" offset="75%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5755958241478674)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7215488730478203"> <stop stop-color="#faa809" offset="-25%"></stop> <stop stop-color="white" offset="-25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7215488730478203)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.75<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers emergency, home improvement, and debt consolidation loans</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">9.95% to 35.99%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$2,000 to $35,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">600</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Funds generally deposited by the next business day</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No prepayment penalty</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Multiple types of fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High maximum APR</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Low maximum loan limit</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Avant Personal Loan is a good personal loan provider, especially if you have a lower credit score and need to receive your loan money quickly. Just be prepared to pay a high APR if you do have a low score.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Avant <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $2,000 to $35,000</li> <li class="financial-product-card__product-details__list-item">Loan term lengths range between 2 to 5 years</li> <li class="financial-product-card__product-details__list-item">Administration fee of up to 4.75%, which will be deducted from your loan proceeds when the loan is funded, and late fee that varies by state</li> <li class="financial-product-card__product-details__list-item">Loans made by WebBank, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="best-for-excellent-credit" data-toc-id="d1125a93-64b6-4f7d-b6f7-edce69954f38" data-toc-label="Best for Excellent Credit" class="toc-anchor"><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae377144192612942f3b7" data-analytics-product-brand="LightStream" data-analytics-product-name="LightStream Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=63405c8ce7a30b8b2e4dd1e832f7c839f13a0b8568e7984008cc858002201ed7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D57f79ac4-cefe-4918-8786-d87c0e45026b%26tag.pref_partner%3Dlightstream%26tag.subid%3D">LightStream Personal Loan</a>: <strong>Best for Excellent Credit</strong></h2><p>LightStream stands out with some of the lowest personal loan rates available for borrowers with excellent credit scores. Truist created LightStream for online loans, and the bank offers personal loans for things like home remodels, medical debt, and debt consolidation. </p><p><strong>Look out for: </strong>High credit score requirements. LightStream's minimum credit requirement for a personal loan is 660, so this lender might not be right for all credit types.  </p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a>, or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/lightstream-personal-loan-review" data-analytics-product-module="body_link" rel="">LightStream Personal Loan review</a>.</p> </aside> <h2 id="best-for-customer-support" data-toc-id="98bbf317-1053-4480-b9f1-0fb502e675e3" data-toc-label="Best for Customer Support" class="toc-anchor"><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="60d6303d531b670011376b9d" data-analytics-product-brand="Service Credit Union" data-analytics-product-name="Service Credit Union Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=bd42ee595298b7d310787846b1ffd88880b1691fe45df9e2df64de12ee92abe1&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dservice-credit-union" data-am-orig-url="https://affiliate.insider.com/?h=bd42ee595298b7d310787846b1ffd88880b1691fe45df9e2df64de12ee92abe1&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dservice-credit-union">Service Credit Union Personal Loan</a>: <strong>Best for Customer Support</strong></h2><p>Service Credit Union has some of the best customer support among personal loan lenders and can get you your money fast. Customer support is available 24 hours a day, seven days a week. The approval process takes about 24 hours, and after your loan application is accepted, you may be able to have the funds in your account the same day. </p><p><strong>Look out for: </strong>Membership requirements. Much like with most credit unions, you'll need to meet certain requirements to be eligible. If you've served in the military or Department of Defense or work at qualifying associations or organizations, you'll qualify. If that doesn't apply to you, you can join the American Consumer Council for free with a promo code. </p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a><em>, </em>or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/service-credit-union-personal-loans-review" data-analytics-product-module="body_link" rel="">Service Credit Union Personal Loan review</a>.</p> </aside> <h2 id="best-for-small-loan-amounts" data-toc-id="0ad6ecda-ad6e-43d8-89c8-007d39ccd1c9" data-toc-label="Best for Small Loan Amounts" class="toc-anchor"><strong><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="60998cf93a360c0011e3f51c" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="PenFed Credit Union Personal Loan" href="https://secure.money.com/pr/j077e6da279d">PenFed Credit Union Personal Loan</a>: Best for Small Loan Amounts</strong></h2><p>PenFed Credit Union offers personal loans for smaller amounts than many other lenders, making it a good choice for those who just need to borrow a little bit of money for a short time. PenFed will lend you as little as $600. This could make the credit union an attractive alternative to a payday loan. </p><p><strong>Look out for: </strong>Membership requirements. You don't need to be a member of the credit union to apply for a personal loan, but you'll have to be a member to get your loan. If you've served in the military or work at qualifying associations or organizations, you'll qualify.</p><p>However, you have a pretty easy workaround if that doesn't apply. You can join by <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/pentagon-federal-credit-union-review" data-analytics-product-module="body_link" rel="">opening a savings account</a> with a $5 minimum deposit.</p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a>, or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/penfed-credit-union-personal-loans-review" data-analytics-product-module="body_link" rel="">PenFed Personal Loan review</a>.</p> </aside> <h2 id="best-for-fair-credit" data-toc-id="ac4a9dd0-f0ce-48ab-8259-479866e1191d" data-toc-label="Best for Fair Credit" class="toc-anchor"><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5eaae695cdfd485bbd7110eb" data-analytics-product-brand="SoFi®" data-analytics-product-name="SoFi® Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD" data-am-orig-url="https://affiliate.insider.com/?h=3dd9187f39db9b732b682c4d1420bc40e8ce5f24b3f5702018648cb82b1c3aed&u=https%3A%2F%2Frefer.sofi.com%2Fc%2F4722637%2F843613%2F11190%3Fadcampaigngroup%3Dpersonal%26adnetwork%3DBD">SoFi® Personal Loan</a>: Best for Fair Credit</strong></h2><p>SoFi personal loans have a minimum credit score requirement of 680, at the lower end of what's considered a good credit score. People with a good credit score will likely be able to get a good rate with SoFi®, but borrowers with an excellent credit score may be able to get a lower rate with LightStream. </p><p>Interest rates on these loans range by about 13 percentage points, making for a smaller range than offered by other companies. This means interest rates for borrowers with relatively lower credit scores can only go so high.</p><p><strong>Look out for: </strong>A relatively high minimum income for approval. According to loan comparison site Credible, less than 1% of borrowers approved for personal loans through SoFi have an income of less than $50,000 per year, and a majority make more than $100,000. </p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a>, or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/sofi-personal-loans-review" data-analytics-product-module="body_link" rel="">SoFi Personal Loan review</a>.</p> </aside> <h2 id="best-for-low-credit" data-toc-id="94757aaf-612a-4d4b-a54a-89a42b900200" data-toc-label="Best for Low Credit" class="toc-anchor"><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5ea8966d6985254f9a06a0aa" data-analytics-product-brand="Avant" data-analytics-product-name="Avant Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant" data-am-orig-url="https://affiliate.insider.com/?h=8afd9fd82ee5956ed74aef98a56048d9db950a55db442fbb4450ca08f36a8ce7&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3D50f58372-f4c3-47e5-822a-2fb38e57b9a5%26tag.pref_partner%3Davant">Avant Personal Loan</a>: Best for Bad Credit</strong></h2><p>Avant stands out as a lender that applicants with low credit scores can turn to for personal loans. Personal loans are generally offered to those with better credit scores. Avant offers personal loan options for borrowers with credit scores as low as 600. It has a lower limit than other lenders, with $35,000 as the maximum loan amount.</p><p><strong>Look out for: </strong>Administrative fees. Avant's personal loans carry up to 4.75% in administration fees with an undisclosed late fee and returned payment fee. Considering that many of the other loans on this list don't carry administrative fees, prepayment fees, or <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" data-analytics-product-module="body_link" rel="">origination fees</a>, Avant's fee is high. </p><p>It's also worth noting that interest rates are high from this lender. While this is a good option for anyone with credit scores in the lower 600s, those with better credit could find better rates elsewhere. </p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a>, or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-module="body_link" rel="">Avant Personal Loans review.</a></p> </aside> <h2 id="best-for-limited-credit-history" data-toc-id="b98a0dce-68ac-469a-8bfb-717883bb9e08" data-toc-label="Best for Limited Credit History" class="toc-anchor"><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f1f1e15f34d0534b71c0382" data-analytics-product-brand="Upstart" data-analytics-product-name="Upstart Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D" data-am-orig-url="https://affiliate.insider.com/?h=8b72abceff93be4fa11b7618f56878a080de3c8b4305cedc233df752ba299950&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans%3Fpreferred_offer_partner%3Dd0e08fc1-c2ff-4dc3-a5af-fda4a1eac92a%26tag.pref_partner%3Dupstart%26tag.subid%3D">Upstart Personal Loan</a>: <strong>Best for Borrowers with Limited Credit History</strong></h2><p>Upstart differentiates itself from other personal loan lenders with its underwriting process, which is how it decides who gets a loan and how much to charge in interest. Like any lender, Upstart considers credit scores as part of the process. But it also considers employment history and education history, such as where you went to school and your area of study.</p><p><strong>Look out for: </strong>Potentially high origination fees. Upstart's personal loans can have late fee of 5% or $15, whichever is greater. This can take a significant portion out of your overall loan proceeds. </p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a>, or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/upstart-personal-loan-review" data-analytics-product-module="body_link" rel="">Upstart Personal Loan Review</a><a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/avant-personal-loan-review" data-analytics-product-module="body_link" rel="">.</a></p> </aside> <h2 id="best-for-flexible-terms" data-toc-id="d18de4ae-c9ef-4a30-a673-e2fa5f2f8e3a" data-toc-label="Best for Flexible Terms" class="toc-anchor"><strong><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo Personal Loan</a>: Best for Flexible Terms</strong></h2><p>Wells Fargo personal loans offer low interest rates, smaller minimum borrowing amounts, and shorter terms than many others. Wells Fargo offers loans between $3,000 to $100,000, for payoff terms as short as 12 months. Borrowers who want to get their debt under control quickly might find that Wells Fargo's personal loans are flexible enough to tackle debt consolidation. </p><p><strong>Look out for: </strong>It's worth noting Wells Fargo's history with data security and compliance. The bank has faced several federal penalties for improper customer referrals to lending and insurance products, and security issues associated with creating fake accounts several years ago. </p> <aside class="quick-tip headline-regular ignore-typography"> <p><a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/wells-fargo-personal-loan-review" data-analytics-product-module="body_link" rel=""><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="674f7616a1ca422f7d53b905" data-analytics-product-brand="Money Lion" data-analytics-product-name="Personal Loans by MoneyLion" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70789-20&h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&platform=browser&postID=6697ff0b20eaab25bc18fb63&postSlug=personal-finance%2Fpersonal-loans%2Fbest-personal-loans&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans" data-am-orig-url="https://affiliate.insider.com/?h=959134222d7e5351ca7aa9f9f85482f4018a8b86cc101d718089f9a9f5dffb58&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsider%2Floans">Get matched to personal loan offers</a>, </a>or read our <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/wells-fargo-personal-loan-review" data-analytics-product-module="body_link" rel="">Wells Fargo Personal Loans review.</a></p> </aside> <h2 id="664da696-c00b-47d9-918b-2c9b98e30ff9" data-toc-id="664da696-c00b-47d9-918b-2c9b98e30ff9"><strong>What to Know About Personal Loans</strong></h2><p>The best personal loans will offer fast money when you need it, without astronomical fees and interest rates. We looked at loan providers that cater to a variety of credit scores and offer a range of loan term lengths. The best personal loans aren't necessarily from big-name banks; credit unions generally offer lower interest rates, and you can find strong options through online banks, too.</p><h3 id="8168c450-0c67-4f9e-8c3c-4b1d8fee6b97" data-toc-id="8168c450-0c67-4f9e-8c3c-4b1d8fee6b97">What Is a Personal Loan?</h3><p>A personal loan is an <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-installment-loan" data-analytics-product-module="body_link" rel="">installment loan</a>. That means you borrow money and pay it back with a set repayment schedule of monthly payments over a designated period of time.</p><h3 id="1d37eb14-cf87-4bb0-bd24-487b5fc41681" data-toc-id="1d37eb14-cf87-4bb0-bd24-487b5fc41681">Secured vs. Unsecured Personal Loans</h3><p>Most personal loans are <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-unsecured-loan" data-analytics-product-module="body_link" rel="">unsecured</a>, meaning they don't require you to put down collateral. Since the lender has no collateral to collect if you default on your loan, it can charge higher interest rates for you to borrow.</p><p>With a <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-a-secured-loan" data-analytics-product-module="body_link" rel="">secured loan</a>, on the other hand, you'll put down collateral to "secure" the money you borrow. Mortgages are examples of secured loans since the house you're paying off can be repossessed if you fail to keep up with payments. Auto loans are also considered secured loans, as cars are tangible assets that the lender can repossess if you default on repayment.</p><p>Since secured loans are backed by collateral, lenders generally charge less in interest fees. However, most personal loans fall under the unsecured category. That doesn't mean you can't score a low interest rate; if you have a high credit score, you're in a good position to secure the lowest <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/average-personal-loan-interest-rates" data-analytics-product-module="body_link" rel="">personal loan interest rates</a> even with an unsecured loan.</p><h3 id="90b7565c-7d79-41fb-abf9-cd620d48df0e" data-toc-id="90b7565c-7d79-41fb-abf9-cd620d48df0e">Fixed vs. Variable Interest Rates</h3><p>Personal loans also usually come with fixed interest rates. This means the amount of interest you'll pay will stay the same for the entire loan term. With variable-rate personal loans, on the other hand, the interest rate you pay may start out low, but it can change at any time based on market conditions. Many borrowers prefer fixed-rate loans because they offer predictability; your monthly payment won't change, for better or worse.</p><p>Interest rates for unsecured personal loans are determined largely by your credit score. The higher your credit score, the better your chances of getting the lowest available personal loan interest rates.</p><h2 id="2e50d162-9e57-41fd-9326-8c346cac5531" data-toc-id="2e50d162-9e57-41fd-9326-8c346cac5531">Where to Find Personal Loans</h2><p>You can get a personal loan through three types of lenders:</p><h3 id="c09a2ec9-a88a-4fb5-8d65-878c3243e605" data-toc-id="c09a2ec9-a88a-4fb5-8d65-878c3243e605">Online Lenders </h3><p>Online lenders can provide convenience and offer competitive rates. They typically offer a streamlined qualification and application process, allowing borrowers to apply and receive funds entirely online. Online lenders frequently cater to borrowers with a wide range of credit scores.</p><h3 id="9c120dea-6e7b-4624-88ac-5e1eda9c3b0f" data-toc-id="9c120dea-6e7b-4624-88ac-5e1eda9c3b0f">Banks</h3><p>Banks are the traditional sources of personal loans with established reputations and familiarity. You can visit a local branch to discuss loan options and receive personalized assistance. Some banks offer perks including discounts for existing customers.</p><h3 id="b2f5be85-752f-4c18-81a5-629b435c5b63" data-toc-id="b2f5be85-752f-4c18-81a5-629b435c5b63">Credit Unions</h3><p>Credit unions are member-owned financial institutions. They often offer better rates and fees compared to banks, for members in good standing. Credit unions can also be more flexible in their lending criteria for borrowers with lower credit scores. Interest rates for <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/best-credit-unions-personal-loans" data-analytics-product-module="body_link" rel="">credit union personal loans</a> are capped at 18% by the National Credit Union Administration. </p><h2 id="how-to-choose-a-personal-loan" data-toc-id="700fd86f-3e26-45d1-a3c5-b5b93d63ef97" data-toc-label="How to Choose a Personal Loan" class="toc-anchor">How to Choose a Personal Loan</h2><p>To pick the best lender for you, take stock of the factors that are most important to you. Many borrowers zero in on the lowest interest rate. But be sure to also look at any fees, the minimum credit score needed, and the accessibility of the lender's customer service before you apply for personal loans.</p><p>Also look at the different types of lenders you may borrow with. Some people may feel comfortable with an online lender, while others may prefer a credit union or bank.</p><p>You'll also want to make sure you're able to select a term length that works for you and that your loan's purpose is allowed by the lender you choose.</p><p>Guides like this one will help you compare multiple lenders in the same place to weigh their pros and cons. Keep in mind that you should also read individual reviews of any lenders you're considering. </p> <aside class="quick-tip headline-regular ignore-typography"> <h2 id="find-your-rate" data-toc-id="53f2ab03-634e-4c21-a33b-6d6ce0145715" data-toc-label="Find Your Rate" class="toc-anchor">Find Your Loan Rates</h2><p>Check for <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/best-low-interest-personal-loans" data-analytics-product-module="body_link" rel="">low interest personal loan offers</a> without impacting your credit score.</p> <p class="headline-semibold">Compare Personal Loan Rates</p> <div id="evenFinancialPersonalLoans"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-onload="addEvenFinLoansIframe()" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <script defer=""> function addEvenFinLoansIframe() { document.getElementById('evenFinancialPersonalLoans').innerHTML += '<iframe class="even-iframe" id="iFrameResizer0" scrolling="no" src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe>'; } </script> </div> </aside> <h2 id="faqs" data-toc-id="77e6f18e-2871-4fa5-a695-ef3bf63dddef" data-toc-label="FAQs" class="toc-anchor">Personal Loans FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How quickly can I get funded from the best personal loans? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can usually get access to personal loan funds relatively quickly. Online lenders may offer same-day or next-day funding. Some banks might take a few days.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do I need for a personal loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Generally, <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/credit-score-needed-for-personal-loan" data-analytics-product-module="body_link" rel="">lenders require a credit score</a> in the mid-600s to qualify for a personal loan, though some will lend to borrowers with lower credit scores. <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-loan-with-bad-credit" data-analytics-product-module="body_link" rel="">To get a loan with bad credit</a>, you might also want to consider <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/best-credit-unions-personal-loans" data-analytics-product-module="body_link" rel="">credit unions offering personal loans</a> and secured loans.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I have more than one personal loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">In theory, you can have an unlimited number of personal loans. But the total number you'll actually be able to get will depend on how many you can qualify for. Your chances of qualifying for a loan will decrease with each loan you take out as your <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income ratio</a> increases.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What can you use a personal loan for? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can use a personal loan for just about anything, from emergency medical expenses to home improvements, large purchases, or even to pay your taxes. Debt consolidation is the most common reason borrowers take out personal loans. See our picks for the <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-analytics-product-module="body_link" rel="">best debt consolidation loans</a>.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is a good rate for a personal loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The average personal loan rate is about 12%, so a good rate would be anything below that. You'll have the best chance of getting a lower rate if you have a high credit score.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="fa523ccc-226c-41da-8717-19cb2a41fc4e" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: How We Rate Personal Loans</h2><p>We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories. They are:</p><ul><li>Interest rate (20% of rating)</li><li>Fees (20% of rating)</li><li>Term lengths and loan amounts (15% of rating)</li><li>Funding speed (15% of rating)</li><li>Borrower accessibility (15% of rating)</li><li>Customer support (7.5% of rating)</li><li>Ethics (7.5% of rating)</li></ul><p>As you can see, each category is weighted differently. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. </p><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" data-analytics-product-module="body_link" rel=""><strong>See our full ratings methodology for personal loans »</strong></a></p><h2 id="a3143b76-4796-4296-80d2-cb1a71cb986a" data-toc-id="a3143b76-4796-4296-80d2-cb1a71cb986a">Our Experts on the Best Personal Loans</h2><p>We consulted personal loan and financial experts to give their insights into finding the best loan companies for your needs.</p><ul><li>Markia Brown, certified financial education instructor and registered financial associate at <a target="_blank" rel="noopener nofollow" href="https://app.qwoted.com/companies/money-plug-llc">Money Plug, LLC</a></li><li>Ryan Wangman, former loans reporter at Business Insider</li></ul><h3 id="a308be3c-4ae2-4a05-b3aa-f819df517f65" data-toc-id="a308be3c-4ae2-4a05-b3aa-f819df517f65">Our Experts' Advice for Choosing the Best Personal Loan</h3><h3 id="12d4b44e-9769-4711-aea4-5aad8c9cb6ed" data-toc-id="12d4b44e-9769-4711-aea4-5aad8c9cb6ed">How does the interest rate on a personal loan affect how much I pay?</h3><p><strong>Markia Brown:</strong></p><p>"The interest rate on a personal loan is the price you pay for borrowing the loan. This rate can make a massive difference in the total amount paid over time, so ensuring you have the lowest interest rate available saves you money!"</p><p><strong>Ryan Wangman:</strong></p><p>"Depending on the interest rate you're charged, you could end up paying hundreds or thousands of dollars more than a borrower with better credit who takes out a similar amount of money."</p><h3 id="244a97fa-64f2-4a0b-a5a5-2a9711d08b2e" data-toc-id="244a97fa-64f2-4a0b-a5a5-2a9711d08b2e">If someone wants to get a lower interest rate but doesn't currently qualify for one, what should they do?</h3><p><strong>Markia Brown: </strong></p><p>"The first step is to pull a copy of your credit report from TransUnion, Equifax, and Experian. All you have to do is go to www.annualcreditreport.com<a target="_blank" rel="noopener nofollow" href="https://app.qwoted.com/companies/https-www-augustwmg-com" data-analytics-product-module="body_link">.</a></p><p>After you pull your credit reports, go through them to identify what could be holding you back from qualifying for a better rate. Some of the information on your credit report is used to generate your credit score, which is used when determining if you <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-pre-qualify-for-personal-loan" data-analytics-product-module="body_link" rel="">qualify for a loan</a> and what your interest rate should be. The five sections used to calculate your credit score are your payment history, credit utilization, length of payment history, mix of accounts, and new accounts or inquiries."</p><p><strong>Ryan Wangman:</strong></p><p>"The best way to get a lower rate is to improve your credit history. You can do so by making on time, reliable payments and managing the amount of debt you take out compared to your overall limit."</p><h2 id="3b637a6d-bf4f-4f69-a84b-cdb9708ccf40" data-toc-id="3b637a6d-bf4f-4f69-a84b-cdb9708ccf40">What Determines the 'Best' Personal Loan?</h2><p>There's no one-size-fits pick for the best personal loan that will work for all borrowers. However, there are key features to focus on when making a decision. The most important are:</p><h3 id="11e07747-44ef-4efd-99fb-a87052c5044a" data-toc-id="11e07747-44ef-4efd-99fb-a87052c5044a">Competitive Interest Rates</h3><p>APRs on personal loans can vary widely from one lender to another. The interest rate on your determines how much you'll ultimately repay. Even a relatively small difference in the interest rate can add thousands of dollars over the life of your loan.</p><h3 id="2503f1d8-9fb9-498f-846b-e17164c5357b" data-toc-id="2503f1d8-9fb9-498f-846b-e17164c5357b">Flexible Terms</h3><p>The term of a personal loan, or the period of time you have to repay it, determines how high or low your monthly payment will be. A longer term will mean a lower payment, but you'll pay in total interest. A shorter term will come with a higher payment and ultimately less overall interest. The best personal loan lenders offer a wide range of terms to choose from.</p><h3 id="3161d078-3921-4751-a612-88839cf502bd" data-toc-id="3161d078-3921-4751-a612-88839cf502bd">Personal Loan Lender Trustworthiness</h3><p>Whether you're interested in taking out a <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-get-a-5000-loan" data-analytics-product-module="body_link" rel="">$5,000 loan</a> or a <a target="_blank" href="https://www.businessinsider.com/personal-finance/personal-loans/40000-personal-loan" data-analytics-product-module="body_link" rel="">$40,000 loan</a>, finding the right provider can help with your loan approval experience. The Better Business Bureau, a non-profit organization focused on consumer protection and trust, evaluates businesses using factors like their responsiveness to consumer complaints, honesty in advertising, and clarity about business practices. Here is each company's score:</p><div class="horizontal-scroll"><table style="min-width: 50px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Lender</strong></td><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">BBB Grade</strong></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">LightStream Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">SoFi Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Wells Fargo Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">F</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Avant Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">PenFed Credit Union Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Service Credit Union Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">Upstart Personal Loan</td><td colspan="1" rowspan="1" class="headline-regular">A+</td></tr></tbody></table></div><p>All of our top picks, minus Wells Fargo, are rated A or higher by the BBB. Keep in mind that a high BBB score does not ensure a positive relationship with a lender, and that you should keep doing research and talking to others who have used the company to get the most comprehensive information possible.</p><p>The BBB gives Wells Fargo an F rating because of the business' failure to respond to 24 complaints and government actions against the business. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, it misapplied payments to those loans for many customers.</p><p>If this history makes you uncomfortable, you may consider using one of the other personal loan lenders on our list.</p><div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <iframe class="even-iframe" id="iFrameResizer0" scrolling="no" data-src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe> </div><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sarah-silbert" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sarah-silbert"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/642206288c966b0019498f69?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of Sarah Silbert"> <noscript> <img class="no-script" src="https://i.insider.com/642206288c966b0019498f69?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sarah-silbert" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sarah Silbert</div> </a> <div class="post-author_title headline-regular">Deputy Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Sarah Silbert is a personal finance expert and award-winning journalist. As deputy editor for Personal Finance Insider, she oversees all of the guides and reviews published across banking, credit, credit cards, mortgages, loans, investing, and insurance. </span><span><span class="headline-semibold">Experience</span></span><span>Sarah joined Business Insider as an editor in 2019, and had built multiple Personal Finance Insider verticals from the ground up. </span><span>Prior to joining Business Insider, Sarah was a senior editor at The Points Guy for more than four years, covering credit cards and award travel. Alongside her team at TPG, Sarah helped Chase launch coverage for the popular <a href="https://www.businessinsider.com/personal-finance/chase-sapphire-reserve-credit-card-review" rel="">Chase Sapphire Reserve travel rewards credit card</a> in 2016.</span><span>Sarah began her journalism career writing about technology for Engadget and Laptop Magazine, jobs which led to international travel for trade shows and conferences and sparked her interest in credit card benefits.</span><span>Sarah started educating herself on personal finance best practices during her early years struggling to find balance amid New York City’s high cost of living. The money management skills Sarah learned during her years as a self-employed freelance editor also honed her financial acumen, giving her a passion for helping others navigate the financial challenges of small business ownership, taxes, and budgeting. In her personal life, Sarah loves helping her friends level up their credit card strategies to book fancy hotel rooms and flights. She also loves talking about her dog to anyone who will listen.</span><span><span class="headline-semibold">Expertise</span></span><span>Sarah’s areas of personal finance expertise include:</span><ul><li><span>Credit scores</span></li><li><span>Credit cards</span></li><li><span>Loans (personal loans and student loans)</span></li><li><span>Investing</span></li><li><span>Banking</span></li><li><span>Insurance</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sarah is a graduate of Sarah Lawrence College, where she wrote and edited for the college paper. </span><span></span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img class="no-script" src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance and Operations Associate on Business Insider's personal finance team in New York. He collaborates with the editorial team to provide timely, accurate, and impartial financial advice to readers </span><span class="headline-semibold">Experience</span><span>Elias is a point person on multiple personal finance topics, from credit cards to investment products. He ensures editorial content is transparent and accessible through clear and precise language while also complying with regulatory and partner marketing guidelines. </span><span>Since joining as a compliance fellow in 2022, Elias has played a crucial role in the team’s compliance efforts, ensuring no stone is left unturned. His close attention to detail and broad knowledge of various complex financial subjects help minimize risk for partners while protecting editorial independence so readers get the best possible advice. </span><span><span class="headline-semibold">Expertise: </span></span><span>Elias’ expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing</span></li><li><span>Loans</span></li><li><span>Mortgages</span></li></ul><span class="headline-semibold">Education: </span><span>Elias graduated from the College of Staten Island with a degree in International Business.</span><span>When he’s not reviewing or updating personal finance topics, Elias enjoys traveling, comedy shows, and binge-worthy TV shows.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/t6ff1922eadf" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Robinhood Investing" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/611d2524a4b07b0018ae3110":{"contentType":"image/png","aspectRatioW":3840,"aspectRatioH":754}}" alt="Robinhood logo"> <noscript> <img class="no-script" src="https://i.insider.com/611d2524a4b07b0018ae3110?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/t6ff1922eadf" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Robinhood Investing" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Robinhood Investing </a> <span class="headline-semibold featured-product-sub-heading"> $0 commission fees on stocks, ETFs, and options. Get your first stock as a new account holder on Robinhood. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">See Terms https://cdn.robinhood.com/assets/robinhood/legal/Robinhood_ACATS_Bonus_Offer_Terms_and_Conditions.pdf</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/t6ff1922eadf" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="Robinhood Investing" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Investing </a> </div> </div> </div> </div> </div> </div> </section> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:10px;"><em>SoFi Personal Loan Disclosures: Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 3/06/23 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000— $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.</em></p> <p style="font-size:10px;"><em>The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.</em></p> <p style="font-size:10px;"><em>Direct Deposit Discount: To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your "Loan"), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi's reasonable procedures and requirements to be determined at SoFi's sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.</em></p> <p style="font-size:10px;">Terms and conditions apply. Offer good for personal loan customers with credit cards and personal loans in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi's underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your lenders/creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. SoFi reserves the right to change or terminate the Direct Pay Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your creditor/lender to receive payment after your loan is signed. 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