Personal loan rates customized for you

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Personal Loans

Personal loans may be used for debt consolidation, home improvement projects or for a major purchase, like a car. Unlike a home equity loan or line of credit, a personal loan is unsecured, meaning your home or another asset will not be used as collateral.

The very best rates are reserved for borrowers with the highest credit scores.

Your Personal Loan Offers

We've teamed up with the best personal loans partners

Not sure of your score? Get custom personal loan recommendations with myBankrate. Check your score for free now

Loan Amount APR Estimates Est. Payment*
$10,000 6.68% - 6.78% $307
  • Pay down your credit cards - or pay them off
  • Make one low, fixed monthly payment
  • Build credit while paying down debt
  • Fast and easy online process
Loan Amount APR Estimates Est. Payment*
$10,000 as low as 5.99% $304
  • Debt Consolidation Rates from 5.99% to 10.29% APR** w/ AutoPay
  • No FEES or prepayment penalties
  • Joint applications welcome
  • Loans from $5,000 - $100,000
Loan Amount APR Estimates Est. Payment*
$10,000 6% - 6.31% $304
  • Rates starting at *5.99% APR
  • Access to offer in 5 minutes
  • Up to $35,000 and in as few as 5 days
Loan Amount APR Estimates Est. Payment*
$10,000 6.24% - 7.63% $305
  • Serious Savings: Borrow $5,000- $100,000 at variable rates that start at 4.05% APR and fixed rates that start at 5.50% (with AutoPay)
  • No Fees, No Catch: No application or origination fees, and no pre-payment penalties. What you see is what you get.
  • Easy Application Process: Simple online application and access to live customer support 7 days a week.
  • SoFi Member Benefits: If you lose your job, we'll temporarily pause your payments and help you find a new job.

*Assumptions are based on a 36 month term debt consolidation loan.

Top Reasons People Choose Personal Loans


Personal loan rates are generally lower than credit card rates, so consolidating debt could save thousands of dollars on interest payments.


Whether you want to make home repairs, remodel, get new appliances, install a pool, or just furnish your house, a personal loan makes it easy to finance any home improvement.


Whether purchasing a vehicle, having a medical procedure or any other major purchase, personal loans are a flexible tool to help you get what you want.

What would you use your personal loan for?

Frequently Asked Questions

Should I restructure my debt with a personal loan?


Should I use a personal loan to pay my credit card bill?


A family member asked me for a personal loan and won't pay me back. Now what?


What are the best ways to pay off debt?


Paid off my mortgage, so why can't I get a personal loan?


Tips when considering a personal loan

Check Your
Credit Score

The very best personal loan rates go to borrowers with the highest credit scores, so be sure to fix any discrepancies on your credit report before applying.

Check My Score - Free

Shop for a
personal loan

To make sure you're getting the best loan, you can get multiple offers from different lenders, including interest rate and fees, and pick the best one for you.

Get approved
& funded

After applying you may be asked to supply pay stubs or bank statements to show your income. The time from applying to getting funded can sometimes be the same day, but we are seeing an average time of 5 business days across our partners.