Best Personal Loan Rates for 2019

Looking for the best personal loans to consolidate debt or to finance large purchases? Interest rates and terms may vary based on your credit score and other factors. Compare personal loan rates from top lenders and find the right loan for you.

  • 9.95%-35.99% APR Range
    580 Min credit score
    24-60 Months Loan Term

    About the lending platform

    Over 600,000 people have experienced the convenience of personal loans through Avant. Whether you need to improve your home, make a major purchase or consolidate debt into one simple monthly payment, Avant may be able to provide you access to the funds you need as soon as the next business day.‡


      • Minimum credit score- 580

      Facts and fees 

      • Loans from $2,000 to $35,000* 
      • Funds deposited as soon as next business day‡
      • Origination fee: Up to 4.75% for new customers
      • Late Payment Fee = $25 (most states)

          *If approved, the actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. ‡Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33. Avant branded credit products are issued by WebBank, member FDIC.

        • 4.99%-35.99% APR Range
          600 Min credit score
          24-84 Months Loan Term

          About the lender:

          Credible makes it quick and easy to compare personal loan rates. In under 2 minutes, borrowers can compare real rates, not rate ranges, from up to 10 different lenders. There is no credit impact to compare! Rates start at just 4.99% and loan maximums go up to $100,000. 


            • Minimum Credit Score: 600+
            • Minimum annual income: No minimum
            • Minimum Credit History: No minimum

            Facts & Fees:

            • Compare real rates from up to 10 lenders with Credible
            • Does not impact credit to check rates
            • Rates start at 4.99%
            • Loan amounts up to $100,000

          • Variable APR Range
            580 Min credit score
            Variable Loan Term

            About the lender

            LoanPioneer offers a completely free service that helps customers get a loan when they need it. It only takes a few minutes to go through the free, online form. When you review your loan terms, you are directly connected to the lender so that you can discuss your loan without any hassle.


            • minimum credit score = 580 or higher
            • minimum annual income = $30,000

            Facts and fees

            • Connect with a lending partner within minutes of starting your loan request
            • Deposits are made as early as the next business day
            • We welcome customers with all credit types, no credit history required
            • Loan Amounts up to $5,000

          • 6.79%-16.24% APR Range
            680 Min credit score
            24-84 Months Loan Term

            About the lender

            SoFi is a new kind of finance company taking a radical approach to lending. From unprecedented products and tools to faster service and open conversations, they're all about helping our members get ahead and find success. 


            • Typical borrowers have good to excellent credit.

            • Fixed Rates - 6.79% APR - 16.24% APR (with AutoPay)*

            Facts and fees

            • Zero fees - No origination, pre-payment, or late fees
            • Low rates, flexible payment features, protection in the case of job loss**
            • Membership perks like career coaching and networking events
            • Simple online application and access to live customer support 7 days a week

            Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements; see for details and state restrictions and may not be available in all states, such as MS. Information current as of 10/16/18 and subject to change. Loans originated by SoFi Lending Corp (dba SoFi) Licensed by the DBO under the California Financing Law, license #6054612.

            * Fixed rates from 6.79% APR to 16.24% APR (with AutoPay). Variable rates from 6.54% APR to 14.95% APR (with AutoPay). SoFi rate ranges are current as of January 18, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 6.54% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

            **If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period, to the extent permitted by applicable law. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our Career Advisory Group to look for new employment.

          • 4.99%-16.99%* APR Range
            660 Min credit score
            24-84 Months* Loan Term

            About the lender

            LightStream allows good-credit customers to borrow $5,000 - $100,000, with funding as soon as today. They offer a simple online application process, no fees, low fixed rates, and excellent customer service. They also stand behind their product with a Rate Beat program and a Loan Experience Guarantee. LightStream helped pioneer the online lending space in 2005, and is backed by SunTrust Banks’ more than 125-year history of providing financial confidence.


            • Fixed rates from 4.99% - 16.99% APR w/AutoPay*
            • Ideal for borrowers with good credit and several years of credit history

            Facts and fees

            • Same-day funding available
            • Loans from $5,000 – $100,000
            • No application or origination fees, no late fees, and no pre-payment penalties
            • Your best loan experience ever – guaranteed!

            *Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available prior to loan funding. Rates without AutoPay may be higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

            • Payment example: Monthly payments for a $10,000 loan at 4.99% APR with a term of 3 years would result in 36 monthly payments of $299.06.

            You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

          • 6.95%-35.99%* APR Range
            640 Min credit score
            36-60 Months Loan Term

            About the lending partner

            Prosper gives borrowers access to collateral-free, personal loans at low, fixed rates. We were the first online lending marketplace to launch in the United States in 2006 and have helped facilitate over $13billion dollars in personal loans to date. Through Prosper, people with good credit can borrow up to $40,000 to help consolidate credit card debt and cover important life expenses, like remodeling their home or paying for medical expenses. With an easy online application, no prepayment penalties, Prosper is a smart way to get the money you need to improve your financial well-being.


            • Minimum borrowing amount: $2000
            • Maximum borrowing amount: $40,000
            • Maximum loan period: *36-60 months
            • Interest Rate Range:6.95%-35.99%
            • Origination Fee:2.4%-5%*

            Facts and fees

            • Lending to residents of all states except: Iowa, West Virginia
            • State of Massachusetts residents minimum loan of $6000
            • Easy online application
            • No rate hike or payment increases
            • No prepayment penalties
            • Prosper funded 14 billion in personal loans.
            • 9 out of 10 customers would recommend Prosper to friends or family**
            • Consolidate debt, finance a home improvement project or pay off medical expenses
            • Get your money in as few as 3 days - your monthly payment stays the same, with no surprises

            *For example, a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.31% and a 2.41% origination fee for an annual percentage rate (APR) of 6.95% APR. You would receive $9,759 and make *36 scheduled monthly payments of $301.10. A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 8.39% and a 5.00% origination fee with a 10.59% APR. You would receive $9,500 and make *60 scheduled monthly payments of $204.64. Origination fees vary between 2.41%-5%. APRs through Prosper range from 6.95% (AA) to 35.99% (HR), with the lowest rates for the most creditworthy borrowers. Eligibility for loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

            **Based on responses from randomly selected borrowers in good standing who received a loan from 01/01/2016 - 11/20/2016. Survey conducted was of a statistically significant sample size with a 95% confidence level and a 3.94% margin of error.

          • 6.95%-35.89% APR Range
            640 Min credit score
            36-60 Months Loan Term

            About the lender

            The company has originated over 18 billion in loans through their platform. LendingClub enables borrowers to create unsecured personal loans between $1,000 and $40,000.


            • Minimum credit score- 600
            • Minimum credit history- 3 years

            Facts and fees 

            • Join over 2.4 million customers
            • 10+ years leading marketplace lending
            • No prepayment penalty
            • Fast, secure, online process that can get you funds in as few as 3 days
            • Use our loans to consolidate your Debt!

            All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.2% (as of Q1 2017 12/5/18 YTD). In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.

            †Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at

            Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018.  The time it will take to fund your loan may vary.

          • 3.84%-35.99% APR Range
            560 Min credit score
            24-84 Months Loan Term

            About the Partner

            Even is the leading search, comparison and recommendation engine for financial services. Even is the fastest and most comprehensive way to search personal loans from all the top providers, check if you qualify, and get matched with the right loan for you - all in one place!


            • Even supports loan searches from $1,000 - $100,000, for a wide range purposes including: debt consolidation, home improvement, large purchases, weddings, and much more.
            • Even has broad support for all ends of the credit spectrum (including Fair and Poor) and income. No matter your history or needs, Even may have a good solution for you - give it a try!
            • No maximum debt-to-income ratio nor minimum credit history.

            Facts and fees 

            • Zero fees - it is totally free to use Even's service.
            • No impact to your credit score using Even's personal loan search, comparison and recommendation.
            • It's quick - just fill out our simple form and we'll check offers from all the top providers for you in seconds.
            • The right match - based on the info you provide, we match you with the right loan offer to meet your needs.
            • Simple online application and live customer support.
            • Safe & secure - your data is secure. We use 256-bit encryption - a higher security standard than many banks.

            We do not charge any fee or cost to submit a loan request on The APR on a personal loan from our network of lenders or lending partners can range from 3.84% to 35.99%, with loan durations between 24 and 84 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by lender or lending partner, and to accept the loan agreement made directly between you and the lender or lending partner. The lenders and lending partners we work with may charge an origination fee for facilitating the loan to you. For example, on a $10,000 loan with a 5% origination fee, you will incur a $500 origination fee and receive $9,500 upon successful issuance of your loan. Note that the third party’s privacy policy and security practices may differ from Even Financial standards. Even Financial assumes no responsibility, nor does it control, endorse or guarantee any aspect of your use of the linked site. Representative Example: If you borrow $5,000 on a 36-month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. States have laws limiting the APR that the lender or lending partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lender or lending partner. We recommend you read the lender's and/or lending partner's personal terms and conditions in full before proceeding for a personal loan. Even Financial, Inc. is a Marketing Lead Generator and Loan Provider Service with its main office located at 43 W 24th Street - 5th Floor, New York, NY 10010, Telephone number: (800) 410-1488. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

          • 4.99%-29.99% APR Range
            670 Min credit score
            24-60 Months Loan Term

            About the lender:

            FreedomPlus specializes in providing personal loans of $10,000-$40,000 for borrowers who want to consolidate high-interest debt. Borrowers can speak to a loan consultant over the phone to discuss their financial goals and get a customized loan.


            • Minimum Credit Score: 670+
            • Minimum Gross Income: Not provided, but typically high
            • Minimum Credit History: Not provided, but typically 10 years or more
            • Maximum Debt-to-income ratio: Not provided, but typically less than 20%

            Facts & Fees:

            • Discounts for borrowers who apply with a qualified co-applicant
            • Discounts for borrowers who allow FreedomPlus to pay off their creditors directly
            • Discounts for borrowers with over $40,000 in retirement assets
            • No prepayment penalties and no collateral required
            • Funding as fast as 2 days

            All loans available through are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 4.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 4.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $14,000.00, and with a term equal to 24 months.  Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you qualify.

          • 6.99%-35.97% APR Range
            620 Min credit score
            36-60 Months Loan Term

            About the lender:

            Upgrade is an online lending platform that combines personal loans with free credit monitoring, helping you secure more affordable credit now and in the future. They offer affordable personal loans of up to $50,000 with low fixed rates that will never change. Upgrade offers fast funding – the money will be sent to your bank account within a day of clearing necessary verifications. You can use your loan through Upgrade to pay off high interest credit cards, make a large purchase, finish that home improvement project, or almost anything! With automatic payments and a customizable due date, managing your account is easy and you’ll be able to circle the date on your calendar when you’ll be debt free.


            • Minimum credit score - 620
            • Minimum annual income - $30,000

            Facts and fees:

            • Loans up to $50,000
            • Low fixed rates
            • Affordable monthly payment
            • No prepayment penalty

            Loans made through Upgrade feature APRs of 6.99%-35.97%. All loans have a 1% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay. For example, if you receive a $10,000 loan with a 36 month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your bank account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

             Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days. All loans made by WebBank, member FDIC.

          • 3.99%-35.99% APR Range
            580 Min credit score
            3-96 Months Loan Term

            About the lender:

            Monevo's award winning service helps you find an unsecured personal loan for any purpose from $1,000 to $100,000. We provide you with personalized loan offers from the major online lenders, saving you time and money. With no cost and no impact on your credit score to check loan rates, Monevo provides the number one solution for your money needs.


            • Minimum credit score: 580+
            • Minimum annual income : $20,000
            • Minimum credit history = none
            • Maximum debt-to-income ratio = none

            Facts and fees:

            • Very fast funding, often next business day
            • A multi-award winning free personal loan matching service
            • Personalized loan offers in less than 60 seconds.
            • Rates starting at 3.34% APR
            • Network of lenders offering loan amounts $1,000 - $100,000
            • No impact on your credit score to check your personal loan rates

            If you receive a personal loan offer from one of our lending partners it is imperative that you review each lender’s terms and conditions before proceeding with an application for a loan.

          • 5.99%-24.99% APR Range
            640 Min credit score
            24-60 Months Loan Term

            About the lender

            Payoff is the only financial company that combines psychology and money to help people live happier lives.


            • Minimum credit score - 640
            • Minimum credit history - 3 years

            Facts and fees 

            • With a Payoff Loan, you, like other Payoff Members, could raise your credit score by 40 points*.
            • You can consolidate all your credit card payments down to one monthly, affordable, fixed-rate payment between 5.99% and 24.99% APR.
            • You WON’T pay any prepayment penalties, application fees, late fees or hidden fees. Because no one wants to do that.
            • Loans for refinancing credit card debt from $5,000 to $35,000.

            Payoff works with lending partners to ultimately originate loans. Information about our Lending Partners, including their address, financial institution type and charter, as well as links to their websites and privacy policies can be found on our Lending Partners page. Individual borrowers must be at least 18 years old and have valid social security and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. Our mailing address is: Payoff, Inc., 3200 Park Center Drive, STE 800, Costa Mesa, CA 92626.

          Find the Best Personal Loan Online

          Personal loans are an ideal solution for those in need of extra cash to consolidate debt, cover unforeseen expenses, or to lower overall monthly expenses.

          The best personal loans tend to come with fixed interest rates as well as fixed monthly payments. These two factors make budgeting your monthly expenses much less complicated in the long run.

          Before applying, you will want to do some research to learn which providers are offering the best personal loan rates and terms. Finding the right lender can make the process simple, easy and stress-free.

          You can also use our calculators to estimate your APR and monthly payments. So, you know how much loan you can afford.

          Furthermore, thanks to the enormous growth of online lending, you currently have more options than ever before. You can compare rates and get online approval in minutes.

          So how do you compare these companies and find the best place to get a loan?

          Well, following considerable time and effort investigating the country’s leading lenders, we have put together this comprehensive list of the best personal loan companies available as well as a guide to personal loans.

          Please be sure to check above for our current list of best personal loans in 2019.

          Personal Loan Table of Contents:

          Applying for a Personal Loan Online

          When you apply for a personal loan online from leading online lenders or lending partners, you have a better chance of being approved. So, what do you need to do in order to get a personal loan?

          Depending on your credit score, you may also qualify for lower interest rates. Online lenders tend to have a more streamlined lending process with flexible criteria and lower interest rates than their brick-and-mortar counterparts.

          Applying for a personal loan online is quick and easy and you can do it anytime, day or night. All you need to do is simply log onto any internet browser, apply, and present the required documents.

          The process is uncomplicated, incredibly fast and the best part is, you can potentially get approved immediately. But, before you accept a personal loan, make sure to thoroughly read through the terms offered by the lender.

          You can get personal loans with no credit check but they tend to have much higher rates and less flexible terms. Even if you have bad credit, you will generally be much better off and pay far less by taking a bad credit personal loan.

          How to Compare Personal Loan Features

          While researching the best place to get a personal loan, you’ll want to identify which loan features are most important to you.

          As you compare the best lenders and options, you’ll also want to consider your current credit status. For those with lower credit scores, you may have to look for a lender that offers a secured loan or an option that allows for co-signers.

          Once you have established your needs, it is important to compare your options.

          These are a few key points to consider:

          • Approval Criteria
            Every one of the best personal loan companies has its own criteria when it comes to credit approval. Nevertheless, it is usually based on your FICO credit score and total monthly income. However, an ever-increasing number of the best online loan providers are approving applicants with lower credit scores. In fact, many online lenders are now using supplementary criteria to determine arrangements. Companies like SoFi don’t use FICO scores at all preferring to focus on things like employment history, earning potential, and banking history.
          • Low Rates
            If you are interested in finding the best personal loan rates, you will need to apply to multiple lenders in order to see which lender has the best rate for you. You will be able to check your credit rating with most lenders without negatively affecting your credit score by allowing a soft credit pull.
          • Low Fees
            A very important step in comparing personal loan features are looking at all of the potential costs involved. All loans will come with fees, such as origination fees or prepayment fees, all of which could potentially add one to five percent more to your total expenses. Therefore you should always compare the total fees to get the full picture.

          How to Get the Best Personal Loan Rates

          If you would like to get the best personal loan rate, there are a few ways to make that happen. Getting a lower rate can help you lower your overall costs, however, in truth most people will never qualify for a lenders lowest rate. There some common mistakes to avoid though.

          Keep in mind, each lender set their interest rate in their own way. Many consider factors such as credit score, income, and debt-to-income ratio.

          In many cases, these factors may be beyond your current control, but you can look for other lending options. These options include using peer-to-peer lenders or finding a secured loan provider.

          Be sure to compare your options before taking the first offer you get. When you are looking for the best interest rates for your personal loan these are some of the factors that can help you get the best rate:

          • Look at your total monthly income
            Having a good-paying job will likely help you get the lowest and best personal loan rates, but of course, a steady income of any kind will benefit you in terms of receiving a lower interest rate.
          • Check your credit history
            Having good credit is key and one of the main factors creditors consider. Typically, a good credit score will qualify you for a low interest rate because it allows lenders to feel confident in your ability to repay your loan. It is common for lenders to increase an interest rate when you have a low credit score, based on your assumed risk. You can check your credit score for free here at Investing Money or you can get a credit report from one of the major reporting agencies - Equifax, Experian, or TransUnion.
          • Pay off existing debt
            As mentioned earlier, many of the best personal loan companies will look at your debt-to-income ration to determine your ability to pay off debt. However, making minor improvements to your credit score will make a huge difference in your overall credit rating. By paying down debts and vastly improve your chances of receiving a lower interest rate loan.
          • Get a cosigner
            Even without the best credit, you can still be eligible for a lower interest rate on your loan if you apply for a loan with a co-signer. Getting a cosigner with good credit would vastly improve your chances at receiving a loan with a good interest rate.
          • Consider a short-term loan
            When taking a personal loan, you are able to decide on the repayment terms, which determines how quickly you repay the loan. For instance, you can choose a repayment length of three months up to twelve years. In general, the shortest repayment terms will have the lowest interest rates.

          Is a Personal Loan Right for You?

          You never want to jump into a loan without at least looking into all other possibilities. You will, of course, want to avoid accumulating more debt in the long-run. This is true even if you are planning to use one of the best personal loan companies available.

          You may want to consider other options if you’re thinking about using a personal loan to cover any of these following situations:

          Bottom Line

          If you have decided on getting a personal loan, there are many excellent options to choose from. It can be incredibly easy to find the best place to get a loan.

          Take the time to review each of our featured lenders to assess if they match your needs. We have reviewed each of the best personal loan providers thoroughly to ensure their reliability and trustworthiness.

          Remember, your loan provider will play a critical role in your financial future and you need to be confident in your decision.

          For more information on personal finance and lending options, please visit our article section.

          Best Personal Loans for Bad Credit

          Have less than stellar credit? Don't worry there are many providers that also focus on personal loans for those with bad credit. Learn more about the best personal loans for those with bad credit.

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