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Happen Bank
- Borrow anywhere from $1,000 to $60,000
- Over 5 million members nationwide
- Payment plans that fit your budget with fixed monthly payments
Achieve Personal Loans
- Consolidate debt with rates as low as 6.25% APR
- Personal Loan funds sent in 1-3 business days
- Borrow up to $50k with a fixed rate loan
Best Picks
Top Personal Loan Companies by Features and Benefits
- Best overall Happen Bank
- Best for consolidation Achieve Personal Loans
- Best for good credit Happen Bank
- Best for Low Rates Achieve Personal Loans
- Best Discounts Happen Bank
- Best overall Happen Bank
- Best for consolidation Achieve Personal Loans
- Best for good credit Happen Bank
- Best for Low Rates Achieve Personal Loans
- Best Discounts Happen Bank
Compare the Top Personal Loan Companies
| Company | Rating | APR Range | Loan Amount | Min. Credit Score | |
|---|---|---|---|---|---|
|
4.8
|
5.96% - 35.99% | $1,000 - $60,000 | 600 | ||
|
4.7
|
6.25% - 35.99% | $5,000 - $50,000 | 640 |
LEARN MORE
Frequently Asked Questions
Everything you need to know about our top-ranked companies.
To qualify for a personal loan, borrowers generally need a minimum credit score of at least 580 — though certain lenders have even lower requirements than that. However, your chances of getting a low interest personal loan rate are much higher if you have a “very good” or “excellent” credit score of 740 and above.
Still have
questions?
Debt consolidation doesn't automatically close your credit card accounts. But if keeping an account open tempts you to rack up more charges, then it might be a good idea to close the account. However, you might damage your credit scores by closing the account.
Still have
questions?
The good news for borrowers is that personal loans are fixed-rate loans, meaning the interest rate remains unchanged from origination to pay-off. Borrowers with a fixed-rate personal loan will not see changes to their interest rate or monthly payments when the Fed raises or lowers rates.
Still have
questions?
Debt consolidation is a good idea if monthly debt payments don't exceed 50% of your monthly gross income, and you have enough cash flow to cover debt payments.
Still have
questions?
THE BOTTOM LINE
Our Top Picks
Companies that stand out for results, transparency, and customer satisfaction.
Happen Bank
Bottom line
Borrow anywhere from $1,000 to $60,000
Achieve Personal Loans
Bottom line
Consolidate debt with rates as low as 6.25% APR
Upstart
Bottom line
Similar to: Achieve
How BestGuide Works
Common questions about our rankings and methodology.
BestGuide is an independent comparison and lead-generation platform operated by Formula 8037 LLC. We are not a lender or the provider of the products listed, we do not make credit decisions, and we are not affiliated with any government agency. We earn compensation when you click a partner link or submit your information. Brands can pay for placement, and that payment can affect the order and prominence in which they appear on this page. It does not change the rating we assign each brand.
Formula 8037 LLC, 101 S. Reid St, STE 307, Sioux Falls, SD 57103. General inquiries: [email protected]. Partnerships and advertising: [email protected].
Brands pay for placement and we earn commissions from partner links. This can affect the order and prominence of the brands shown. It does not change the rating we assign each brand.
BestGuide is not a lender and does not make credit decisions. We connect you with third-party lenders and lending partners. Loan availability, amounts, rates, fees, and terms are set solely by the lender based on your application and creditworthiness.
Loans offered through our partner network range from $1,000 to $60,000, depending on the lender and your qualifications.
Loans offered through our partners are repaid over fixed terms ranging from 24 to 84 months, depending on the lender and your qualifications.
The maximum Annual Percentage Rate offered through our partner network is 35.99%, inclusive of interest and applicable fees. This figure is stated separately from the representative example below.
This is an illustrative example, not an offer. If you borrow $10,000 over 36 months at the maximum APR of 35.99% (inclusive of interest and applicable fees), your estimated monthly payment is about $457.92, for an estimated total of about $16,485 over the life of the loan. Your actual rate, fees, and terms will differ based on the lender and your creditworthiness.
A minimum credit score of around 580 is generally required, though requirements vary by lender. Not all applicants qualify, and submitting a request does not guarantee an offer.
Availability, pricing, and offers depend on your location, the partner, and your eligibility.