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Top-Rated Personal Loans Compared
Compare top Personal Loans on Rates, Terms, and Limits
Best Personal Loans
Finding the right personal loan can provide the financial flexibility you need for debt consolidation, home improvements, or unexpected expenses. With so many lenders and marketplaces available, comparing rates, terms, and fees is essential to ensure you secure the most competitive offer.
Whether you have excellent credit or are looking for options that accommodate lower credit scores, the current market offers tailored solutions. By understanding your specific needs and leveraging pre-qualification tools, you can explore various loan products without negatively impacting your credit score.
Key Takeaways
- Achieve: Ideal for borrowers focused on debt consolidation with direct pay options.
- Best Rated Loan: A rapid marketplace connecting you with lenders for fast funding.
- Fast Loan Advance: Best suited for individuals with poor credit needing quick cash.
- Happen Bank (LendingClub): Top choice for paying off credit cards with direct creditor payments. Read Happen Bank Offer Terms and Conditions Disclosure.
- LendingTree: The largest comparison network to evaluate multiple offers simultaneously.
- Lightstream: Perfect for excellent credit profiles looking for high limits and same-day funding.
Carefully evaluating minimum credit requirements, loan amounts, and potential origination fees will help you choose a lender that aligns with your financial goals. Always take advantage of soft credit checks whenever possible to compare personalized rates safely.
Companies Compared
Compare top Personal Loans on Rates, Terms, and Limits
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| Company | Rating | Minimum Credit Score Required | Soft Credit Pull for Rate Check | Loan Amount Range | Repayment Term Length | |
|---|---|---|---|---|---|---|
| 600 | Yes | $1,000 to $75,000 | Flexible Terms | |||
| 300 | Yes | $1,000 to $75,000 | 3 or 5 Years | |||
| 640 | Yes | $5,000 to $50,000 | 2 to 5 Years |
All Companies Reviewed
1. Happen Bank
Formerly LendingClub, Happen Bank is a chartered digital bank offering excellent personal loans tailored for debt consolidation. Their direct pay feature sends funds straight to your creditors, simplifying the payoff process.
4.6/5
Minimum Credit Score Required600
Soft Credit Pull for Rate CheckYes
Loan Amount Range$1,000 to $75,000
2. Upstart
Upstart uses an AI model evaluating 1,600+ variables beyond FICO scores, with next business day funding. Ideal for fair credit borrowers who may be denied by traditional lenders.
4.5/5
Minimum Credit Score Required300
Soft Credit Pull for Rate CheckYes
Loan Amount Range$1,000 to $60,000
3. Achieve Personal Loans
Achieve specializes in debt consolidation, offering unsecured personal loans with a unique direct pay discount. If you allow them to pay your creditors directly, you can secure a lower interest rate.
4.2/5
Minimum Credit Score Required640
Soft Credit Pull for Rate CheckYes
Loan Amount Range$5,000 to $50,000
4. Citi Personal Loans
Citibank provides competitive personal loans with no origination, late, or prepayment fees. Existing customers enjoy relationship pricing and fast funding.
4.6/5
Minimum Credit Score Required680
Soft Credit Pull for Rate CheckYes
Loan Amount RangeUp to $50,000
5. Best Rated Loan
Best Rated Loan is a highly efficient online marketplace that connects borrowers with multiple pre-qualified loan offers in minutes. It is ideal for comparing options quickly without hurting your credit score.
4.5/5
Minimum Credit Score Requiredno minimum / all types
Soft Credit Pull for Rate CheckYes
Loan Amount Range$100 - $5,000
6. LendingTree
LendingTree allows you to compare real rates from up to five different lenders using just one simple form. It is the premier choice for shopping around securely.
4.5/5
Minimum Credit Score Required580
Soft Credit Pull for Rate CheckYes
Loan Amount Range$1,000 to $100,000
7. LightStream
LightStream by Truist provides outstanding loans for highly qualified borrowers. With same-day funding and no fees, it is ideal for those with long, excellent credit histories.
4.4/5
Minimum Credit Score Required660
Soft Credit Pull for Rate CheckNo
Loan Amount RangeUp to $100,000
8. Fast Loan Advance
Fast Loan Advance connects individuals with lower credit scores to a network of subprime lenders. It features a simple application and rapid funding for emergencies.
4.3/5
Minimum Credit Score RequiredUnder 620 Accepted
Soft Credit Pull for Rate CheckYes
Loan Amount Range$100 to $35,000
9. City Bank
City Bank offers a traditional banking experience with personalized customer service and flexible loan terms. It is a reliable option for those who prefer handling their finances in person.
4.2/5
Minimum Credit Score RequiredExcellent Credit
Soft Credit Pull for Rate CheckUnspecified
Loan Amount RangeVaries
10. SoFi
SoFi offers a digital-first borrowing experience with competitive rates and zero mandatory fees. Members also benefit from unique perks like unemployment protection and rate discounts.
4.2/5
Minimum Credit Score Required680
Soft Credit Pull for Rate CheckYes
Loan Amount Range$5,000 to $100,000
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