Personal loan rates customized for you

How are you going to use the money?

Personal Loans

A personal loan is a versatile type of financing that's repaid over time. It's unsecured by collateral, meaning it does not require something of value - like a house or vehicle - to back the loan. Defaulting on personal loans can damage your credit score. But unlike a car loan or a mortgage, lenders don't have the ability to directly seize your assets if you fail to repay the loan. Personal loans can be used to consolidate credit card debts, finance home improvements, pay for major purchases, finance new vehicles or even to cover medical bills.

No matter the reason, we'll help you find the right lender.

Today's Personal Loan Rates

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Loan Amount APR Estimates Est. Payment*
$10,000 5.99% - 9.33% $304 - $320
  • Make one low, fixed monthly payment
  • Fast and easy online process to get funded
  • Flexible financial tool to help you meet your goals
  • No prepayment penalty, no hidden fees
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Loan Amount APR Estimates Est. Payment*
$10,000 as low as 5.99% $304
  • No FEES or prepayment penalties
  • Joint applications welcome
  • Loans from $5,000 - $100,000
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Loan Amount APR Estimates Est. Payment*
$10,000 7.63% - 7.99% $312
  • 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 prepayment penalties. What you see is what you get.
  • Easy Application Process: Simple online application and access to live customer support 7 days a week.
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Loan Amount APR Estimates Est. Payment*
$10,000 27.95% $413
  • No origination fees
  • No early payment penalties
  • Funds deposited as soon as the next business day
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*Assumptions are based on a 36 month term debt consolidation loan.

Top Reasons
People Choose
Personal Loans

Debt
Consolidation

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

Home
Improvement

Make home repairs, remodel, get new appliances, install a pool, or just furnish your house.

Major
Purchase

Purchase a vehicle, have a medical procedure or finance any other major purchase.

What would you use it for?

Frequently
Asked
Questions

Is a personal loan right for you?

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How do I get a personal loan?

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Should I restructure my debt with a personal loan?

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

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Tips when considering a personal loan

Check Your
Credit Score

Rates are available to a wide range of credit scores. Better rates go to borrowers with higher credit scores. You can check your credit before applying.

Check My Score - Free

Shop
Around

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.

Get a Personal Loan with Confidence

  • Personal Loans aren't limited to debt consolidation and home improvement. They can be used to finance medical expenses, dental work or even big life events like a wedding or adoption. Cars can be financed easily, along with boats, RVs, and motorcycles.

  • During the application process a borrower provides their annual income. Lenders take this into account along with your debt-to-income ratio when making a credit decision. Your income is usually verified by pay stub or bank statement. Some lenders consider savings in their lending criteria and view a prospective borrower with a good savings buffer to be lower risk.

  • Lenders have made it easier, faster, and more appealing to get a personal loan by putting the process entirely online, funding loans within a few days, and competing on rates.