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
Goldman Sachs
Annual FeeNone
APR6.99%–24.99%
Credit Score660+
Best no-annual-fee card
PenFed Personal Loan
PenFed Credit Union
Annual FeeNone
APR7.74%–17.99%
Credit Score650+
Best no-annual-fee card
Upstart Personal Loan
Upstart
Annual FeeNone
APR7.8%–35.99%
Credit Score580+
Best no-annual-fee card
LightStream Personal Loan
Truist / LightStream
Annual FeeNone
APR7.99%–25.49%
Credit Score660+
Best no-annual-fee card
SoFi Personal Loan
SoFi
Annual FeeNone
APR8.99%–25.81%
Credit Score650+
Best no-annual-fee card
Best Egg Personal Loan
Best Egg
Annual FeeNone
APR8.99%–35.99%
Credit Score600+
Best no-annual-fee card
Prosper Personal Loan
Prosper
Annual FeeNone
APR8.99%–35.99%
Credit Score560+
Best no-annual-fee card
LendingClub Personal Loan
LendingClub
Annual FeeNone
APR9.57%–35.99%
Credit Score600+
Best no-annual-fee card
Avant Personal Loan
Avant
Annual FeeNone
APR9.95%–35.99%
Credit Score550+
Best no-annual-fee card
Happy Money Personal Loan
Happy Money
Annual FeeNone
APR11.72%–24.67%
Credit Score640+
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Ask the AIThis 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.