Best Personal Loans of 2026

Compare personal loan rates from top lenders. Whether you need debt consolidation, home improvement funding, or help covering a major expense, find the right loan for your situation.

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What affects your rate?

Credit score (higher = lower rate)
Debt-to-income ratio
Loan amount and term length
Employment and income verification

Typical use cases

Debt consolidation
Home improvement
Medical expenses
Major purchases

Best no-annual-fee card

Marcus by Goldman Sachs Personal Loan

Marcus by Goldman Sachs

Annual FeeNone

APR6.99%–24.99%

Credit Score660+

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Best no-annual-fee card

Upstart Personal Loan

Upstart

Annual FeeNone

APR7.4%–35.99%

Credit Score300+

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Best no-annual-fee card

LightStream Personal Loan

LightStream

Annual FeeNone

APR7.49%–25.99%

Credit Score660+

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Best no-annual-fee card

SoFi Personal Loan

SoFi

Annual FeeNone

APR8.99%–29.99%

Credit Score650+

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Best no-annual-fee card

LendingClub Personal Loan

LendingClub

Annual FeeNone

APR9.57%–35.99%

Credit Score600+

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This is not financial advice. APR ranges shown are estimates. Your actual rate will depend on your creditworthiness. Always review loan terms in full before signing.