Skip to Main Content

Personal Loans

A personal loan is a great financial tool. It can help you consolidate debt, renovate your home, or even pay for college. Ready to explore if it's right for you? We've got everything you need, right here.

Helpful links

Black man and woman reviewing papers in their living room with a yellow square border and thin yellow circle behind them
Emergency expense? Big move? A personal loan can help.
Taking on still more debt in pursuit of a goal can sometimes make sense. Here’s when.
Borrowers have a few places to turn to for personal loans. Here’s what to know.

Reviews & tools

LightStream logo
4.7
Rating: 4.7 stars out of 5
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Bankrate Score
Read review
Upstart logo
4.8
Rating: 4.8 stars out of 5
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Star Empty Icon
Star Icon
Bankrate Score
Read review

Experts in all things finance

Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.

About Bankrate
Andrew pentis headshot

Andrew pentis Arrow Right Icon

Writer and Consumer Lending Analyst

Denny Ceizyk headshot

Denny Ceizyk Arrow Right Icon

Senior Loans Writer

Lauren Nowacki headshot

Lauren Nowacki Arrow Right Icon

Senior Loans Writer

The latest

Illustration of man going over finances on a tablet at home
If you pay off your loans early, make sure it is the right move for your finances.
A piggy bank atop a stack of cash
LendingClub customers can receive two percent of their on-time loan payment in cash back.
A man reviews papers and his laptop screen, with a teal half-circle design element behind him.
Answering the top queries for loan applicants with weighty financial concerns.
Young Black man uses a calculator at his table while looking through papers.
Personal loans aren’t the only way to get a substantial amount of cash quickly.
If you have strong credit and income, you can likely get a $30k personal loan.
couple looking over some paperwork
A personal loan default hurts your credit score. Here’s how to avoid it.
A father and son sign loan documents together while a banker witnesses.
Cosigning and co-borrowing have their own pros and cons.
Couple singing paperwork for a loan
Banks and online lenders both offer loans, but each has advantages and disadvantages over the other.
The trusted provider of accurate rates and financial information
Wall Street Journal
Usa Today
New York Times
Cnn
Bloomberg
Abc