Lowest Personal Loan Rates From Top Lenders

Rates starting at 6.99% APR and amounts up to $50,000

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How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Best personal loans in October 2023

Written by Amanda Push | Edited by Katie Lowery | Reviewed September 27, 2023

How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
LenderUser ratingsAPR rangeLoan termsLoan amountsMin. credit scoreBest for...
Upstart logo
(15,911)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

5.20% - 35.99%36 and 60 months$1,000 - $50,000300Building creditView Personalized Offers
Prosper logo
(3,634)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

6.99% - 35.99%24 to 60 months$2,000 - $50,000640Applicants with low credit scoresView Personalized Offers
Discover personal loans logo
(1,593)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

7.99% - 24.99%36 to 84 months$2,500 - $40,000660No origination feesView Personalized Offers
LightStream logo
(209)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

7.99% - 25.49%
*with autopay
24 to 144 months$5,000 - $100,000Not specifiedApplicants with excellent creditView Personalized Offers
Achieve logo
(4,910)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

7.99% - 29.99% 24 to 60 months$5,000 - $50,000620Same day credit approvalView Personalized Offers
LendingPoint logo
(1,952)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

7.99% - 35.99%24 to 72 months$2,000 - $36,500640Mid-sized expensesView Personalized Offers
PenFed logo
(14)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

8.49% - 17.99%12 to 60 months$600 - $50,000700Small loan amountsView Personalized Offers
(2,127)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

8.49% - 35.99% *with autopay24 to 84 months$1,000 - $50,000580Flexible loan term durationsView Personalized Offers
(96)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

8.99% - 25.81%
*with autopay
24 to 84 months$5,000 - $100,000680Overall experienceView Personalized Offers
(2,394)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

8.99% - 35.99%36 to 60 months$2,000 - $50,000580Secured and unsecured loan optionsView Personalized Offers
LendingClub logo
(6,526)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

9.57% - 35.99%36 to 60 months$1,000 - $40,000600Applying with a co-borrowerView Personalized Offers
(2,682)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

9.95% - 35.99%12 to 60 months$2,000 - $35,000580Fast loan fundingView Personalized Offers
Reach logo
(14)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

9.99% - 35.99% 24 to 60 months$3,500 - $40,000680Consolidating debtView Personalized Offers
Happy Money logo
(151)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

11.52% - 24.81%24 to 60 months$5,000 - $40,000640Refinancing credit card debtView Personalized Offers
BHG Money
(23)
User Ratings & Reviews rating-reviews-tooltip-icon

Ratings and reviews are from real consumers who have used the lending partner’s services.

11.96% - 23.99%36 to 120 months$20,000 - $200,000660Large loan amountsView Personalized Offers
Read more about how we chose our picks for best personal loan lenders.

What do people think about LendingTree?

Personal loan lenders at a glance

Upstart logo

Best for building credit

APR range5.20% - 35.99%
Loan amounts$1,000 - $50,000
Term (months)36 and 60
Origination fee0.00% - 12.00%
Min. credit score300
ProsCons

  Competitive interest rates (starting at 5.20%)

  May receive funds in one business day

  May work with low-credit borrowers

  High maximum interest rate (35.99%)

  Limited repayment terms (36 and 60 months)

  Charges origination fees (0.00% - 12.00%)

Prosper logo

Best for applicants with low credit scores

APR range6.99% - 35.99%
Loan amounts$2,000 - $50,000
Term (months)24 to 60
Origination fee1.00% - 5.00%
Min. credit score640
ProsCons

  Allows for co-applicants

  Flexible loan amounts ($2,000 - $50,000)

  No prepayment penalties

  Charges an origination fee (1.00% - 5.00%)

  Funding may take up to three days

  Not available in Iowa or West Virginia

Discover personal loans logo

Best for no origination fees

APR range7.99% - 24.99%
Loan amounts$2,500 - $40,000
Term (months)36 to 84
Origination feeNo origination fee
Min. credit score660
ProsCons

  Funding within one business day after loan acceptance

  Competitive interest rates

  No origination fees

  Low maximum borrowing amount

  Borrowers with low credit may not qualify

  Doesn’t offer joint applications

LightStream logo

Best for applicants with excellent credit

APR range7.99% - 25.49%* with autopay
Loan amounts$5,000 - $100,000**
Term (months)24 to 144*
Origination feeNo origination fee
Min. credit scoreNot specified

**While LightStream offers loans up to $100,000, LendingTree marketplace customers may not receive offers at this maximum loan amount.
ProsCons

  Doesn’t charge any fees

  Large maximum loan amounts ($100,000)

  Competitive interest rates (7.99% - 25.49%)

  Doesn’t offer prequalification

  May not use funds for education or business purposes

  Those with low credit scores won’t qualify

Achieve logo

Best for same day credit approval

APR range7.99% - 29.99%
Loan amounts$5,000 - $50,000
Term (months)24 to 60
Origination fee1.99% - 5.99%
Min. credit score620
ProsCons

  Competitive interest rates (7.99% - 29.99%)

  Same-day credit approval

  Offers multiple interest rate discount options

  High minimum borrowing amount of $5,000

  May take up to 72 hours to receive funds after approval

  Charges origination fee of 1.99% - 5.99%

LendingPoint logo

Best for mid-sized expenses

APR range7.99% - 35.99%
Loan amounts$2,000 - $36,500
Term (months)24 to 72
Origination fee0.00% - 10.00%
Min. credit score640
ProsCons

  May receive funds within one business day of approval

  Flexible loan terms (24 to 72 months)

  No prepayment penalties

  Charges an origination fee of 0.00% - 10.00%

  Low maximum loan amount ($36,500)

  Not available in Nevada or West Virginia

PenFed logo

Best for small loan amounts

APR range8.49% - 17.99%
Loan amounts$600 - $50,000
Term (months)12 to 60
Origination feeNone
Min. credit score700
ProsCons

  Doesn’t charge origination fees

  Low borrowing amounts ($600)

  Option to apply with a co-applicant

  Will need to become credit union member

  Charges a late payment fee

  Isn’t clear about some of its eligibility criteria

Upgrade logo

Best for flexible loan term durations

APR range8.49% - 35.99%* with autopay
Loan amounts$1,000 - $50,000
Term (months)24 to 84
Origination fee1.85% - 9.99%
Min. credit score580
ProsCons

  Low credit score requirement

  Loan terms up to 84 months

  May receive funds within one business day of approval

  Origination fee as high as 9.99%

  High maximum APR of up to 35.99%

SoFi logo

Best for overall experience

APR range8.99% - 25.81%* with autopay
Loan amounts$5,000 - $100,000*
Term (months)24 to 84
Origination feeNo origination fee required
Min. credit score680

*While SoFi offers loans up to $100,000, LendingTree marketplace customers may not receive offers at this maximum loan amount.
ProsCons

  Doesn’t charge borrowers any required fees

  May receive funds same day as approval

  Loan amounts as high as $100,000

  Those with low credit may not qualify

  No physical branches

  High minimum loan amount ($5,000)

Best Egg logo

Best for secured and unsecured loan options

APR range8.99% - 35.99%
Loan amounts$2,000 - $50,000
Term (months)36 to 60
Origination fee0.99% - 8.99%
Min. credit score580
ProsCons

  Competitive interest rates (8.99% - 35.99%)

  Flexible loan amounts of $2,000 - $50,000

  Funding within 24 hours after loan approval

  Not available in Iowa, Vermont, West Virginia or the District of Columbia

  Charges an origination fee of 0.99% - 8.99%

  700 credit score and income of over $100,000 required for lowest APR

LendingClub logo

Best for applying with a co-borrower

APR range9.57% - 35.99%
Loan amounts$1,000 - $40,000
Term (months)36 to 60
Origination fee3.00% - 8.00%
Min. credit score600
ProsCons

  Option to file a joint application

  Small loan amounts available

  Can pay old creditors directly with debt consolidation loans

  High maximum APR of 35.99%

  Charges origination fee of 3.00% - 8.00%

  Funding can take several days

Avant logo

Best for fast loan funding

APR range9.95% - 35.99%
Loan amounts$2,000 - $35,000
Term (months)12 to 60
Origination feeUp to 4.75%
Min. credit score580
ProsCons

  Low minimum credit score requirement

  Funding within 24 hours of loan approval

  No prepayment penalty

  May have to pay an origination fee (Up to 4.75%)

  Loan amounts only up to $35,000

  No option to add a co-borrower or cosigner

Reach logo

Best for consolidating debt

APR range9.99% - 35.99%
Loan amounts$3,500 - $40,000
Term (months)24 to 60
Origination fee0.00% - 8.00%
Min. credit score680
ProsCons

  Access to your free monthly credit score

  Ability to change your due date

  Fast funding

  May charge an origination fee of up to 8.00%

  Limited loan use

  Doesn't offer joint applications

Happy Money logo

Best for refinancing credit card debt

APR range11.52% - 24.81%
Loan amounts$5,000 - $40,000
Term (months)24 to 60
Origination fee0.00% - 5.00%
Min. credit score640
ProsCons

  Doesn’t charge application or late fees

  No prepayment penalties

  Competitive interest rates (11.52% - 24.81%)

  Charges origination fee of 0.00% - 5.00%

  Funds can only be used for credit card refinancing

  Doesn’t offer joint applications