Key Insights on Personal Loans from Money
Our research indicates that Credible offers some of the most competitive APR rates, while LendingTree connects borrowers with over 300 lenders. Additionally, Lightstream presents the broadest selection of loan options available.
- LightStream imposes no fees for personal loans ranging from $5,000 to $250,000.
- Upstart is our leading choice for individuals with low credit scores, accepting applicants with a minimum credit score of 600.
- The Federal Reserve reports that the average APR for a 24-month personal loan is 11.14%.
*Rates and APYs are subject to change. All information provided here is accurate as of January 2026.
Personal loans offer a flexible financing solution, featuring a variety of loan terms and quick underwriting processes. Whether your goal is to consolidate debt, make significant purchases, or finance home improvements, personal loans can be tailored to meet your financial objectives. You have the freedom to select the loan amount, repayment terms, and interest rates that best align with your budget and financial needs.
Continue reading to discover the top personal loans available in 2026.
Our Credibility and Trustworthiness
Our dedicated editors and writers independently evaluate personal loans from a diverse range of financial institutions, ensuring our content remains accurate and adheres to high editorial standards. For further details, you can review our comprehensive methodology.
- 30+ personal loan lenders assessed
- 15+ data points analyzed, which include starting APR, loan amounts, fees, customer satisfaction, and processing times
- Hundreds of hours dedicated to thorough research
Explore Our Top Recommendations for Personal Loan Providers in 2026
The following companies are listed in alphabetical order for your convenience.
- BestEgg – Ideal for Quick Loans (6.99% – 35.99% APR)
- Credible – Best Marketplace (6.49% – 35.99% APR)
- LendingTree – Exemplary Marketplace Runner-Up (5.99% – 35.99% APR)
- LightStream – Offers a Wide Variety of Loan Options (6.94 – 25.29% APR)
- PenFed – Top Credit Union Choice (7.99% – 17.99% APR)
- Prosper – Best Peer-to-Peer Lending Option (8.99% – $35.99% APR)
- SoFi® – Premier Online Lender with Fixed Rates: (8.74% – 35.49% APR with all discounts)
- U.S. Bank – Best Banking Option (8.74% – 24.49% APR)
- Upstart – Leading Choice for Low Credit Scores (7.80% – 35.99% APR)
In-Depth Reviews of Top Personal Loans
- Competitive APR range
- Rapid funding available (often within 1-3 business days)
- Fixed rates leading to predictable payments
- No penalties for early repayment
- Origination fee may apply (varies by term)
- Best rates generally require higher credit or income levels
- Availability may be limited in certain states
KEY HIGHLIGHTS
- Loan Durations
- 3-5 years (36-60 months)
- Loan Amounts
- $2,000 – $50,000
- Minimum Credit Score Required
- Best rates usually require a FICO score of 700+ and higher income; borrowers with fair credit (600+) may still qualify
- Origination Fees
- ~0.99% – 9.99% (deducted from loan proceeds)
Our Selection Rationale: Best Egg provides competitive unsecured loan rates and offers quick funding. Its fixed-rate loans are well-suited for debt consolidation, home improvements, and other significant expenditures. The origination fee is included in the APR, which is crucial to consider when calculating the total loan cost. Many borrowers can receive funds within 1 to 3 business days following approval, making Best Egg one of the more rapid online lenders in the industry.
Another reason Best Egg excels is its balance between accessibility and pricing. While the most competitive rates are typically reserved for borrowers with robust credit scores and stable income, Best Egg still accommodates a wide array of credit profiles, including some fair-credit borrowers. You can easily check your rate with a soft credit inquiry, allowing you to explore potential loan offers without impacting your credit score. This transparency supports borrowers in confidently comparing their options before making a commitment.
Lastly, Best Egg‘s straightforward fee structure and borrower-friendly policies solidify its reputation as a reliable long-term option. While the origination fee is factored into the APR, the absence of prepayment penalties provides borrowers the flexibility to pay off their loans early and minimize interest expenses. Overall, Best Egg is an ideal choice for those seeking a trustworthy online lender with competitive rates, fast funding, and predictable repayment conditions.
- Ability to compare rates from multiple lenders
- Prequalification available via soft credit pull
- Co-signers permitted
- Best Rate Guarantee incentive of $200 offered
- Not a direct loan provider
- Loan approval criteria may differ by lender
KEY HIGHLIGHTS
- Loan Terms
- 1 – 7 years
- Loan Amounts
- $600 to $200,000
- APR
- 6.49% – 35.99%
- Minimum Credit Score Required
- 580 FICO
- Origination Fee
- Varies by lender
Our Selection Rationale: Credible is an outstanding choice for borrowers looking to compare multiple quotes from highly-rated personal loan lenders, all of which provide competitive rates.
The platform developed by Credible enables borrowers to obtain quotes from various lenders in just two minutes without affecting their credit score. The company boasts an impressive network of reputable lenders, including SoFi®, LightStream, and Discover.
Moreover, Credible offers a $200 Best Rate Guarantee incentive. If you receive a personal loan quote at a lower rate from another lender within eight days of getting a prequalified rate from Credible, they will reward you with a $200 gift card. It’s important to submit proof to Credible within seven days of closing with the competing lender.
This company welcomes applicants with diverse credit histories, although those with exceptional credit profiles generally receive a higher number of loan offers, more flexible repayment options, and lower interest rates. Tools are also provided by Credible to evaluate how prequalification rates adjust by including different co-signers.
Explore our comprehensive review of Credible personal loans >>
- Ability to compare offers from five lenders
- Transparent lender profiles detailing eligibility criteria
- Free credit and debit analysis tool available
- Possible prepayment penalties
- Origination fees may apply
KEY HIGHLIGHTS
- Loan Terms
- 1 – 7 years
- Loan Amounts
- $600 – $50,000
- APR
- 5.99% – 35.99%
- Minimum Credit Score Required
- Varies by lender
- Origination Fee
- Varies by lender
Our Selection Rationale: LendingTree secures the title of our best personal loans marketplace runner-up due to its access to over 300 lenders offering loans suitable for various credit situations.
Similar to Credible, LendingTree serves as an online marketplace linking users to reputable personal loan lenders. In just a few minutes, borrowers can receive multiple offers from well-known companies like Best Egg, LendingClub, PenFed Credit Union, and Discover.
The user-friendly website of LendingTree provides clear details on its lenders’ current starting annual percentage rates, alongside comprehensive data regarding loan terms, amounts, and minimum credit score prerequisites. Generally, the minimum credit score required hovers around 580, though some lenders may accept lower scores.
Another advantage of LendingTree is its personal loan payment calculator, a useful tool for estimating monthly payments based on loan terms, estimated interest rates, and loan amounts. Nevertheless, LendingTree did not claim the top spot due to its maximum loan amount being lower than that of Credible.
Explore our detailed review of LendingTree personal loans >>
- No origination fees or late payment penalties
- No prepayment penalties
- Online application process available
- Co-applicants are permitted
- Requires good to excellent credit (670 to 800 FICO score)
- The initial application involves a hard credit check
- $5,000 minimum loan amount
- No refinancing option for LightStream loans
KEY HIGHLIGHTS
- Loan Terms
- 2 – 12 years
- Loan amounts
- $5,000 to $100,000
- APR
- 6.94 – 25.29%
- Minimum Credit Score Required
- 670
- Origination Fee
- None
Our Selection Rationale: LightStream distinguishes itself by offering personal loans with no origination fees, no prepayment penalties, and no late payment fees.
The user-friendly fee structure of LightStream is designed to benefit borrowers, with no origination fees, late fees, or prepayment penalties. However, it is crucial to note that loan approval is primarily available for individuals possessing good to excellent credit. The evaluation process employs various factors including debt-to-income ratio, payment history, and asset evaluation.
LightStream presents more loan repayment options than most companies providing personal loans. Loan repayment terms span from 2 to 12 years, and funds can be received on the same day as long as all necessary documentation is completed by 2:30 p.m. EST on a banking business day.
Additionally, LightStream guarantees customer satisfaction by offering $100 if you are unhappy with your experience post-closing, valid for 30 days after the loan closes. Their Rate Beat program also provides a 0.10% discount if you receive a lower APR from a competing lender (provided you are approved for the same loan terms that LightStream offers).
Read our comprehensive review of LightStream personal loans >>
- No origination fees
- No prepayment penalties
- Physical branches available nationwide
- Loans starting as low as $600
- Membership fee applicable
- Limited maximum loan amounts
KEY HIGHLIGHTS
- Loan Terms
- 6 months – 5 years
- Loan Amounts
- $600 – $50,000
- APR
- 7.99% – 17.99%
- Minimum Credit Score Required
- 650
- Origination Fee
- None
Our Selection Rationale: PenFed delivers a competitive starting APR and does not charge any origination fees. This credit union also features physical branch locations across the U.S. and Puerto Rico for customers who prefer face-to-face assistance.
The personal loans available through PenFed Credit Union can be utilized for a variety of purposes, including home improvement and debt consolidation. The credit union offers a reasonable starting APR compared to other personal loan providers, and there are no origination fees attached.
Borrowers can view multiple loan offers through PenFed‘s prequalification application, which does not impact their credit score.
However, accepting a loan offer requires membership with PenFed. This process is straightforward, involving the establishment of a PenFed savings account with a $5 deposit, which is included in your total loan amount. Typically, loan funding occurs within one to two business days after completing your loan paperwork.
Customer reviews indicate high satisfaction levels with PenFed, particularly for its quick and easy online application experience.
Explore our detailed review of PenFed personal loans >>
- Minimum suggested credit score of 600
- Co-signers accepted
- Ability to check rates with a soft credit inquiry
- Next-day funding is possible
- Origination fees may apply
- Late fees apply for missed payments
- No discount for automatic payments
KEY HIGHLIGHTS
- Loan Terms
- 2 – 5 years
- Loan Amounts
- $2,000 – $50,000
- APR
- 8.99% – $35.99%
- Minimum Credit Score Required
- 600
- Origination Fees
- 1% – 7.99%
Our Selection Rationale: Prosper is our top choice for the best peer-to-peer lending option due to its competitive APR and swift funding processes.
Prosper operates as a peer-to-peer lending marketplace, connecting borrowers with personal loans funded by investors. Borrowers can access loans ranging from $2,000 to $50,000 with terms spanning 2 to 5 years. Once approved, funds can be available via direct deposit within a single business day.
Utilize Prosper‘s personal loan calculator to check your rate, which allows for various loan types such as debt consolidation, home improvement, and business financing. A credit check is not required until you formally accept an offer.
It is important to note that late payments incur fees of $15 or 5% of the unpaid monthly payment (whichever is greater), and insufficient funds or returned payments may lead to a $15 charge.
Explore our comprehensive review of Prosper personal loans >>
- No origination fee for qualified borrowers
- No late payment penalties
- Same-day funding is possible
- Minimum to borrow is $5,000
- Good to excellent credit is strongly recommended
KEY HIGHLIGHTS
- Loan Terms
- 2 – 7 years
- Loan Amounts
- $5,000 – $100,000
- APR
- Fixed 8.74% – 35.49% APR with all discounts
- Minimum Credit Score Required
- 680
- Origination Fees
- 0% – 7%
Our Selection Rationale: SoFi presents a straightforward online application process, a variety of loan amounts, repayment terms, and the possibility of same-day funding.
SoFi offers unsecured personal loans of up to $100,000, which ranks among the highest loan amounts available in our top personal loan selections. However, the minimum loan amount is $5,000, meaning smaller loans are not an option through SoFi.
While good to excellent credit is recommended, SoFi also considers alternative credit information, including a borrower’s available cash flow, professional history, and overall financial responsibility track record when assessing loan applications. If you do not meet the criteria, you can include a co-borrower. However, adding a co-borrower can extend the loan review process by one to two weeks.
Potential rates can be checked in under a minute through SoFi‘s online application, which does not affect your credit score. If you accept a loan offer, funding can occur the same day, which, according to company data, is typical for over 80% of borrowers.
Explore our detailed review of SoFi personal loans >>
SoFi Personal Loans Important Information
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Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rates are current as of 11/7/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2023 was around $33K. Not all applicants qualify for the lowest rate. Lowest rates are reserved for the most creditworthy borrowers. Your actual rate will fall within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and other factors.
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Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
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Autopay: 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 when you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
Direct Deposit Discount: To qualify for an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct Deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee within 30 days of your loan funding. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account following SoFi’s reasonable procedures and requirements. This discount will be lost during periods when SoFi determines you have turned off Direct Deposit to your Checking and Savings account or when you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or pay the SoFi Plus Subscription Fee to receive a Loan.
- No origination fees or prepayment penalties
- Rapid funding available
- Online loan application process
- Minimum 720 credit score required for non-U.S. Bank customers
- Loan limit capped at $25,000 for non-U.S Bank customers
KEY HIGHLIGHTS
- Loan Terms
- 1 – 7 years
- Loan Amounts
- $1,000 – $50,000
- APR
- 8.74% – 24.49%
- Minimum Credit Score Required
- 660
- Origination Fee
- None
Our Selection Rationale: U.S. Bank provides competitive APR rates and facilitates quick funding, often within hours for existing customers with a credit score of 660 or higher.
The starting APR from U.S. Bank competes with the best personal loan rates in the market. The bank offers a range of loan options, including personal loans, home improvement loans, and lines of credit tailored for various personal financing needs.
The bank’s Simple Loan, which is exclusive to U.S. Bank checking account holders, falls between $100 and $1,000, making it ideal for short-term or emergency financial needs. This loan features a fixed monthly fee of $6 for every $100 borrowed, and there are no fees for missed payments on Simple Loans.
However, if you do not hold an account with U.S. Bank, you will face stricter credit score requirements (minimum 720 FICO) and a reduced loan maximum of $25,000.
Explore our in-depth review of U.S. Bank personal loans >>
- Accepts low credit scores and borrowers with limited credit history
- Evaluates alternative credit data, including education and employment
- No penalties for early repayment
- Next-day funding may be available
- Only two repayment term options available
- Additional charges for paper statements may apply
- Origination fee could reach up to 12% of the total loan amount
KEY HIGHLIGHTS
- Loan Terms
- 3 or 5 years
- Loan Amounts
- $1,000 to $50,000
- APR
- 7.80% – 35.99%
- Minimum Credit Score Required
- 300
- Origination Fees
- 0% – 12%
Our Selection Rationale: Upstart is an excellent option for those with credit scores as low as 300. The company assesses borrowers’ repayment ability by taking over 1,500 alternative creditworthiness factors into account.
Upstart enables individuals with poor credit to access personal loans through its innovative AI-driven loan application process. This unique approach evaluates alternative information such as job history, education, and field of study to gauge a borrower’s repayment potential.
Moreover, individuals who are presently unemployed can apply for a loan, provided they have received a job offer with a start date within six months of their loan application.
You can check your rate before applying for a loan using a soft credit inquiry. However, like many personal loan lenders, rates and terms for borrowers with poor credit are generally not as favorable as those offered to borrowers with excellent credit.
Explore our comprehensive review of Upstart personal loans >>
Comprehensive Guide to Personal Loans
Personal loans serve multiple purposes while offering appealing features such as flexible terms and competitive interest rates. Our guide details everything you need to understand about personal loans, including their functionality and the requirements necessary to secure one.
What exactly is a personal loan?
Personal loans are installment loans that generally feature fixed interest rates and repayment durations ranging from 12 to 72 months. These loans come in various amounts, starting from smaller sums of $100 to larger sums exceeding $50,000.
Common reasons for obtaining a personal loan include debt consolidation, funding home improvement projects, covering medical expenses, or financing significant purchases, events, or vacations. However, it is crucial to note that most personal loans cannot be utilized for financing higher education.
How do personal loans function?
Borrowers can apply for personal loans through banks, credit unions, or other financial institutions.
Lenders will take into consideration various factors when assessing your application, including:
- Debt-to-Income Ratio (DTI) – The DTI is determined by dividing your monthly debt obligations (such as mortgage payments, credit card debts, and student loans) by your total monthly income. This metric illustrates the portion of your income allocated to repaying existing debts, indicating whether you can manage a new loan.
- Credit Score – Most lenders set a minimum credit score standard of 660, but some may consider additional factors when evaluating your creditworthiness. Ensure to review your credit report across all three major credit bureaus (Experian, Equifax, and TransUnion) before applying for a loan.
- Credit Card Utilization Ratio – Lenders will examine how much of your available credit you are currently utilizing. Most lenders prefer a credit utilization ratio below 30%.
Typically, personal loans come with fixed rates and are processed swiftly – once approved, you could see funds deposited into your bank account within 24 to 48 hours.
Different Types of Personal Loans
There are two primary categories of personal loans: secured and unsecured.
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Secured Loans |
Unsecured Loans |
|---|---|
|
Secured loans necessitate collateral, which serves as a guarantee of repayment through an asset you own, such as your home, vehicle, stocks and bonds, or a certificate of deposit (CD) account. If you default on these loans, the lender has the right to liquidate these assets to recover the debt. |
Unsecured personal loans do not require collateral, meaning you will not lose assets or face foreclosure for non-payment. However, these loans generally carry higher interest rates, and defaulting will still have a detrimental effect on your credit score. Most personal loans fall under the unsecured category. |
What steps should you take to secure a personal loan?
Regardless of whether you intend to obtain your loan from a traditional bank, credit union, online lender, or peer-to-peer platform, there are several steps you need to follow to secure your loan.
- Perform Financial Calculations – Assess your financial situation carefully. Can you manage the new loan payments? Some banks provide quick, online prequalification with a soft credit pull, allowing you to check potential loan terms. You can also use an online personal loan calculator to estimate your monthly payments.
- Review Your Credit Score – Personal loan providers typically conduct a credit check to assess your creditworthiness and determine your interest rate. A credit score in the good to excellent range will enhance your chances of approval and eligibility for the best rates.
- Compare Lender Options – Evaluate various lenders based on loan offerings, fees, services, and benefits to identify the best fit for your needs. Don’t forget to consider customer reviews to understand what other borrowers found beneficial or problematic.
- Submit Your Application and Required Documentation – Commonly required documents include identification (driver’s license, passport, or Social Security card), a utility bill to verify your address, employment details, and a bank statement or tax return as proof of income.
- Examine Loan Terms – Ensure to review additional fees such as origination fees or prepayment penalties.
- Initiate Payments – We advise setting up automatic payments to avoid penalties or fees that many lenders impose for missed payments.
Where is the best place to obtain a personal loan?
Personal loans can be sourced from banks, credit unions, as well as online and peer-to-peer lenders. It is crucial to apply only with reputable lenders, as your application will require you to provide personal information, including your Social Security number and address.
Traditional Banks
Brick-and-mortar banks are ideal for those who prefer in-person customer service. However, as banking becomes increasingly digital, many brick-and-mortar banks can now offer both in-person and online services. Be aware that some traditional banks may impose higher fees and penalties compared to online lenders and credit unions.
Online Lenders
Online lenders provide convenience and speed. You can apply and receive funds online from virtually anywhere (we recommend utilizing a secure Wi-Fi connection). Additionally, some online lenders may pass on their overhead cost savings to borrowers, enabling them to offer low-interest personal loans with fewer fees. Moreover, some online lenders utilize alternative credit data, which can benefit borrowers with less-than-perfect credit.
Credit Unions
Distinct from traditional banks, credit unions function as nonprofit financial institutions. Borrowers must become members, but this membership can yield advantages, such as better interest rates on savings accounts and CDs, as well as APR discounts on personal loans. Accounts at credit unions are insured by the National Credit Union Administration (NCUA), which limits the interest rates on loans to a maximum of 18%.
Peer-to-Peer Lending
A peer-to-peer (P2P) lender is an online platform that connects borrowers with funding from individual investors and companies. The lender functions solely as a facilitator of the loan. This type of lending provides individuals with low credit scores or limited credit histories a greater chance of obtaining a loan. However, some P2P lenders may charge additional fees and higher interest rates on personal loans.
How to Effectively Compare Personal Loans
When assessing personal loans, consider these essential factors:
- Annual Percentage Rate: The APR on a personal loan represents the interest rate plus any fees, such as origination fees, charged by the lender. Some lenders offer discounts for automatic payments or for opening a bank account and setting up direct deposits.
- Loan Repayment Terms: Longer terms result in lower monthly payments, but you will pay more in interest overall. Shorter terms have higher monthly payments with less interest accumulation.
- Monthly Payment Amount: Take into account the amount and frequency (weekly or monthly) of payments.
- Fees: Scrutinize the fine print for loan origination fees, late fees, and any prepayment penalties.
- Funding Timeline: Some personal loan companies provide next-day funding, while others may take up to a week to disburse funds.
Frequently Asked Questions about Personal Loans
Are personal loans secured or unsecured?
Most personal loans are unsecured, meaning they do not require collateral for the loan. However, some personal loan providers offer secured loans, which necessitate collateral in the form of valuable assets, such as your home, vehicle, or investment accounts. Unsecured loans typically come with higher interest rates than secured loans.
What constitutes a good interest rate for a personal loan?
A competitive interest rate for a personal loan in the current market is approximately 7.94%. However, this favorable rate is generally available only to those with excellent credit. Rates for borrowers with good credit are typically higher. Loans for individuals with poor credit can reach rates as high as 35.99%, if they are approved.
What is the typical timeframe for obtaining a personal loan?
The duration for securing a personal loan largely depends on the lender. Many personal loan companies offer same-day funding, provided your application is processed by a specific time each day. Others may take up to one business day, while some lenders could require up to a week to finalize your application and release the loan funds.
Is it possible to have a cosigner for a personal loan?
Yes, having a cosigner on a personal loan is permitted, depending on the policies of the personal loan company. Including a cosigner with a good to excellent credit profile can enhance your chances of approval and improve the interest rate offered.
What can personal loan funds be used for?
Personal loans can be utilized for a wide array of purposes, including paying off credit cards (known as a debt consolidation loan), making significant purchases (such as home renovations), or addressing emergency expenses. However, some personal loan companies do not allow funds to be used for secondary education expenses, such as college tuition.
Our Methodology for Identifying the Best Personal Loans
Our approach to identifying the top personal loans involved an extensive evaluation of 40 banks, credit unions, marketplaces, and peer-to-peer lenders, taking into account the following criteria:
- Loan Rates and Fees – We prioritized banks that provided the most affordable loans, characterized by the lowest interest rates and fees. We also assessed which banks offered the most beneficial terms and unique features.
- Loan Term Flexibility – We favored banks that presented customers with a variety of term options and repayment methods.
- Customer Satisfaction – We analyzed how banks were rated in J.D. Power’s Customer Satisfaction surveys and scrutinized any complaints registered with the Better Business Bureau (BBB).
- Regulatory Compliance – We reviewed the Consumer Financial Protection Bureau (CFPB) database and the Federal Trade Commission (FTC) for any complaints or reports.
Personal Loan Companies Considered for Best Personal Loans
The following companies were evaluated: Achieve, AmONE, Avant, Axos, Bad Credit Loans, Best Egg, BHG Money, Citi, Credible, CreditNinja, Discover, Fifth Third Bank, Fiona, GraceLoanAdvance, Happy Money, LendingClub, LendingPoint, LendingTree, LightStream, OppLoans, OneMain Financial, Navy Federal Credit Union, Pentagon Federal Credit Union (PenFed), PNC Bank, Prosper, Reach Financial, SoFi, Universal Credit, Upstart, USAA, U.S. Bank, Wells Fargo, and Zable.
Overview of Money’s Best Personal Loans for 2026
The following companies are organized in alphabetical order for your convenience.
- BestEgg – Best for Quick Loans (6.99% – 35.99% APR)
- Credible – Best Marketplace (6.49% – 35.99% APR)
- LendingTree – Best Marketplace Runner-Up (5.99% – 35.99% APR)
- LightStream – Best Variety of Loan Options (6.94 – 25.29% APR)
- PenFed – Best Credit Union (7.99% – 17.99% APR)
- Prosper – Best Peer-to-Peer Lender (8.99% – $35.99% APR)
- SoFi® – Best Online Lender with Fixed Rates: (8.74% – 35.49% APR with all discounts)
- U.S. Bank – Best Bank (8.74% – 24.49% APR)
- Upstart – Best for Low Credit Scores (7.80% – 35.99% APR)
