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Personal Loans

A personal loan is a powerful financial tool when you don't have cash. Unlike conventional loans, personal loans are not secured by collateral, meaning they do not require something of value - like a house or vehicle - to back the loan. Personal loan rates are usually competitive with other forms of financing and offer an alternative to credit cards or home equity loans when making a purchase. A personal loan is also a great solution when looking to consolidate debt. Personal loan rates offered are often less than the interest rates on your credit cards and the loan provides a fixed payment path to being debt free. Also most lenders do not penalize you for repaying early or making extra payments. The most popular uses for personal loans include home improvements, car financing, debt consolidation and covering medical expenses.

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
Show Disclaimer
Loan Amount APR Estimates Est. Payment*
$10,000 as low as 5.99% $304
  • Debt Consolidation Rates from 4.99% to 13.59% APR* w/ AutoPay
  • No FEES or prepayment penalties
  • Joint applications welcome
  • Loans from $5,000 - $100,000
Show Disclaimer
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 4.75% APR and fixed rates that start at 5.95% (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.
Show Disclaimer
Loan Amount APR Estimates Est. Payment*
$10,000 9.09% - 10.16% $318
  • Loan amounts from $1,000 - $50,000
  • Rate from 5.67% - 29.99% APR
  • Get your rate in 2 minutes - without affecting your credit score!
  • No prepayment penalties or hidden fees
Show Disclaimer
Loan Amount APR Estimates Est. Payment*
$10,000 21.00% $377
  • Easy process, funds deposited in as little as 24 hours!
  • Build credit and grow into better terms
  • No prepayment penalty
  • 24/7 customer service
Show Disclaimer
Loan Amount APR Estimates Est. Payment*
$10,000 10.80% - 13.00% $326 - $337
  • Personal loans ranging from $4,000 to $25,000
  • No Prepayment penalties or hidden fees
  • Get your rate in 2 minutes by applying online
  • We are focused on providing fairer and faster loans for individuals at the start of their careers
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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?

READ MORE

How do I get a personal loan?

READ MORE

Should I restructure my debt with a personal loan?

READ MORE

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

READ MORE

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.