Best for generous repayment terms

LightStream
4.6Check rate with Bankrate
- Min. credit score:
- Not disclosed
- Fixed APR From:
- 9.99% –25.99%
- Loan amount:
- $5,000– $100,000
- Term lengths:
- 2 to 7 years
- Min. annual income:
- $50,000
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Heidi Rivera is a student loans writer for Bankrate. She began her journey in the personal finance space in 2018 and is passionate about collecting data and creating content around higher education and student loans.
Hannah has been editing for Bankrate since late 2022. They aim to provide the most up-to-date information to help people navigate the complexities of loans and make the best financial decisions.
Mark Kantrowitz is an expert on student financial aid, the FAFSA, scholarships, 529 plans, education tax benefits and student loans.
Personal loans are installment loans that allow you to borrow a lump sum of money and then pay it back in monthly installments. Low-interest personal loans allow you to save money on monthly payments by cutting down on interest costs.
To get approved for the most competitive low-interest loans, you’ll likely need excellent credit and a high income and to shop around. You’ll want to consider the loan amount each lender offers and repayment terms, as a low interest rate is not the only factor you should focus on when determining the best personal loan for your needs.
Bankrate’s choices for the best low-interest personal loans considers the interest rates, terms, discounts and other features offered by each lender. We also outline other information borrowers should know before taking out a low-interest loan.
In order to know what loan terms and rates you qualify for, you need to know your credit score. Your credit score is particularly important when searching for a low-interest loan. The better your credit score, the better chance you have of finding a loan with a low rate. If you struggle with credit, you may want to consider applying with a cosigner to improve your chances of getting a low-interest rate.
The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.
Bankrate’s scores for personal loan lenders evaluate 11 data points related to loan costs and terms, as well as customer experience. | The annual percentage rate (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing. | The range of loan amounts that a lender will service. The maximum value is the largest amount a lender will give although this amount may not be available to borrowers who don’t have good or excellent credit. Amount ranges may vary for non-loan products. Term refers to the amount of time you have to repay the loan. | The minimum credit score typically required to qualify for a loan with a given lender. Exact thresholds are not always disclosed by a lender and in certain cases the minimum score is the best estimate based on publicly available information. Credit score refers to FICO 9.0 unless otherwise stated. | ||
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APR from 9.99- 25.99%* with Autopay | Loan Amount $5k–$100K* Term: 2-7 yr* | Min. Credit Not disclosed | ![]()
*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62. © 2023 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank. | Apply on partner site | |
APR from 8.49- 35.97% with AutoPay | Loan Amount $1k–$50K Term: 2-7 yr | Min. Credit 560 | ![]()
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/. | Check rate with Bankrate | |
APR from 8.99- 35.99% | Loan Amount $2k–$50K Term: 3-5 yr | Min. Credit 600 | ![]()
GENERAL AFFILIATE DISCLOSURE UPDATE AS OF 03.2023 *Trustpilot TrustScore as of December 2022. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount, and APR of any loan we offer to you will depend on your credit sc¬ore, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,000; and Georgia, $3,000. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Joseph Walsh – Operations Manager, Email: ccrt-resolution@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-82-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. | Check rate with Bankrate | |
APR from 7.99- 35.99% | Loan Amount $5k–$50K Term: 2-5 yr | Min. Credit 620 | ![]()
All loans available through Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank (a New Jersey state chartered commercial bank) or Pathward, N.A. (Equal Housing Lenders) and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Minimum loan amounts vary due to state-specific legal restrictions – please call an Achieve Personal Loans consultant for further details. Loan amounts generally range from $5,000 to $50,000 including origination fees, and are offered based on loan purpose and underwriting conditions. Repayment periods range from 24 to 60 months. APRs range from 7.99% to 35.99% APR and include applicable origination fees. Example loan: four-year $20,000 loan with a rate of 15.49% and corresponding APR of 18.34%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount for $12,000.00 or less, and a term of 24 months. Loan origination fees vary from 1.99% to 6.99%. Adding a co-borrower with sufficient income; using at least 85% of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could also help you qualify for lower rates. Average interest savings for personal loans range from 0% - 6% based on closed loans that qualified for one or more of our rate discounts in July 2022. †Times noted are estimates and can vary for a loan request from Achieve Personal Loans (NMLS #227977). Same day approvals assume that a fully completed application with all required supporting documentation is provided early enough on a day that our offices are open. Achieve Personal Loans consultants are available Monday–Friday 6AM to 8PM MST and Saturday–Sunday 7AM to 4PM MST. | Check rate with Bankrate | |
APR from 10.50- 29.99% | Loan Amount $5k–$40K Term: 2-5 yr | Min. Credit 640 | ![]()
Overview: Happy Money (formerly Payoff) offers low APRs of 10.50 percent to 29.99 percent, making it an ideal lender for borrowers trying to consolidate credit card debt at a lower interest rate. This lender also offers free monthly FICO updates and reports payments to major credit bureaus in order to help borrowers build credit. This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. | Check rate with Bankrate | |
APR from 8.05- 36.00% | Loan Amount $1k–$40K Term: 2-5 yr | Min. Credit Not disclosed | ![]()
Overview: LendingClub allows borrowers to add co-signers to their loans, making this a good fit for those who may not be able to qualify for a loan on their own, or who haven’t had a chance to build up their credit history yet A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states. APR ranges from 6.34% to 35.89% and is determined at the time of application. Origination fee ranges from 2% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 3/15/22 and are subject to change without notice. 1. Between July 2021 and September 2021, more than two-thirds of personal loans issued by LendingClub Bank were funded within 48 hours after loan approval. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand. 2. Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history. Unless otherwise specified, all loans and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment. Deposit accounts are subject to approval. Only deposit products are FDIC insured. “LendingClub” and the “LC” symbol, and “Radius” and the “R” symbol, are trademarks of LendingClub Bank. © 2022 LendingClub Bank. All rights reserved. | Check rate with Bankrate | |
APR from 18.00- 35.99% | Loan Amount $1.5k–$20K Term: 2-5 yr | Min. Credit Not disclosed | ![]()
You must apply for this offer and continue to meet the criteria used to select you for this offer. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Maximum APR is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expenses; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
Current OneMain Customers: The above offer assumes that you do not have a current loan with OneMain or one of its affiliates. If you apply for the offer, a OneMain representative will discuss options available for current customers.
Additional conditions for secured loans: Secured loans require a first lien on a motor vehicle that meets our value requirements, titled in your name with valid insurance. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. If you are covered by the Military Lending Act, you are not eligible for secured offers.
Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing. | Check rate with Bankrate | |
APR from 9.95- 35.95% | Loan Amount $2k–$35K Term: 1-5 yr | Min. Credit Not disclosed | ![]()
Overview: Avant is a popular lender for borrowers with fair to poor credit. Its minimum credit score requirement is 580 FICO and 550 Vantage, lower than many other lenders. Avant is also a good choice for borrowers who haven’t built up much credit yet. | Check rate with Bankrate | |
DEBT RELIEF A debt relief program can help you pay off your debts through balance transfers, debt management plans, credit counseling, settlement or a combination of the four. |
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Please Note: JGW Debt Settlement, LLC does not offer loans. They provide debt resolution services. You must have $10,000 in unsecured debt to qualify. Not all debts are eligible for enrollment. This service is not provided in all states and is subject to additional terms and conditions. | Check rate with Bankrate |
Why trust Bankrate?
At Bankrate, our mission is to empower you to make smarter financial decisions. We’ve been comparing and surveying financial institutions for more than 40 years to help you find the right products for your situation. Our award-winning editorial team follows strict guidelines to ensure the content is not influenced by advertisers. Additionally, our content is thoroughly reported and vigorously edited to ensure accuracy.
The loan details presented in the table below are current as of the publication date. Check the lenders’ websites for more current information. The lenders listed were selected based on factors such as credit requirements, APR, loan amounts and fees.
LENDER | BEST FOR | APR RANGE | LOAN TERM | LOAN AMOUNTS |
---|---|---|---|---|
LightStream | Generous repayment terms | 9.99%-25.99%* (with AutoPay) | 2-7 years | $5,000-$100,000 |
Happy Money | Paying credit card debt | 10.50%-29.99% | 2-5 years | $5,000-$40,000 |
Best Egg | Low APRs | 8.99%-35.99% | 3-5 years | $2,000-$50,000 |
SoFi | Unemployment protection | 7.99%-23.43% (with autopay) | 2-7 years | $5,000-$100,000 |
Achieve | Quick approval | 7.99%-29.99% | 2-5 years | $5,000-$50,000 |
PenFed | Small loan amounts | 7.74%-17.99% | 1-5 years | $600-$50,000 |
Upstart | Little or no credit history | 6.70%-35.99% | 3-5 years | $1,000-$50,000 |
LendingClub | Using a co-borrower | 8.05%-36.00% | 2-5 years | $1,000-$40,000 |
Prosper | No prepayment penalty | 6.99%-35.99% | 2-5 years | $2,000-$50,000 |
Upgrade | Fast funding | 8.49%-35.97% (with autopay) | 2-7 years | $1,000-$50,000 |
TD Bank | Few fees | 6.99%-21.99% | 1-5 years | $2,000-$50,000 |
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Fees: None.
Time to receive funds: Same day if approved by 2:30 p.m. ET.
Requirements: Borrowers must have good to excellent credit.
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Who it’s for: Borrowers with fair to excellent credit looking to consolidate high-interest credit card debt.
Fees: Origination fee of up to 5%.
Time to receive funds: Funds are sent within 3 to 6 business days after approval.
Check rate with Bankrate
Who it’s for: Borrowers with fair to excellent credit.
Time to receive funds: Next business day after approval.
Requirements: Minimum credit score of 600.
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Fees: None.
Time to receive funds: Same day funding available if approved by 7:00 p.m. ET.
Check rate with Bankrate
Fund deposit can take up to 3 days
Who it’s for: Borrowers with fair to excellent credit who need quick cash.
Fees: Origination fee of 1.99% to 6.99%.
Time to receive funds: 24 to 72 hours after approval.
Requirements: Minimum credit score of 620.
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Time to receive funds: 1 to 2 business days after verification.
Requirements: Minimum credit score of 700.
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Time to receive funds: Next business day after approval.
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Time to receive funds: 24 to 42 hours after approval.
Requirements: Borrowers may need closer to "good" credit to qualify.
Check rate with Bankrate
Check rate with Bankrate
Time to receive funds: Next business day after approval.
Requirements: Lender verifies your overall financial health.
Check rate with Bankrate
Who it’s for: Borrowers with good to excellent credit looking to save on interest and fees.
Fees: Late fee of 5 percent of the minimum payment due or $10, whichever is less.
Time to receive funds: Next business day after approval.
Requirements: Minimum credit score of 700.
Low-interest-rate personal loans typically have an annual percentage rate (APR) below 12 percent. Personal loans are generally short-term loans provided by banks, peer-to-peer lending platforms and credit unions.
Depending on who the money is borrowed from, the proceeds can be used for consolidating credit card debt, home improvement projects, financing a major purchase, a wedding or even a vacation.
Loan terms vary by lender, but there’s always a predetermined payment period, often ranging from one to seven years. These are installment loans, and the money is repaid via monthly payments.
Before applying for a loan, it’s a good idea to calculate your debt-to-income ratio, or DTI ratio, which is your total monthly debt payments divided by your total gross monthly income. Lenders view applicants who have low DTI ratios as more reliable borrowers.
Every lender uses its own algorithm to determine the interest rate you'll receive. Three of the most important factors lenders evaluate are credit score, debt-to-income ratio and annual income. The lower your DTI and the higher your income and credit score, the more likely you are to qualify for low rates and large loan amounts.
Outside of these factors, some lenders also take into account things like your area of study, length of time with your most recent employer, job history and education. This is why it's so important to shop around and compare rates with multiple lenders.
The average personal loan currently has an interest rate of 10.82 percent. However, rates vary significantly from lender to lender. Depending on your credit score and borrowing history, interest rates for personal loans can be as high as 36 percent.
CREDIT RATING / SCORE RANGE | AVERAGE PERSONAL LOAN INTEREST RATE |
---|---|
Excellent (720 - 850) | 10.73% - 12.5% |
Good (690 to 719) | 13.5% - 15.5% |
Average (630 to 689) | 17.8% - 19.9% |
Bad (300 to 629) | 28.5% - 32.0% |
Comparing loan rates and lenders can be a daunting task, but it's necessary if you want to find the lowest interest rate possible. Because lenders use their own algorithms to determine interest rates, the same financial profile could get you a much lower rate at one lender than another. Here are some other factors to be aware of when comparing loan rates and lenders:
Check out our loan comparison calculator to compare loan rates and calculate costs.
No-interest loans include financing from auto dealerships and retailers. “No interest” doesn’t necessarily mean you won’t pay anything to borrow money. Here are some costs that may come with a no-interest loan:
The interest rate isn’t all that determines how much a loan could cost you. As you compare lenders, take note of origination fees, which are typically taken out of the loan amount, as well as charges such as late fees. A balance transfer credit card with a 0 percent introductory APR could be a less costly option than a no-interest loan — as long as you pay the card off before the intro period ends.
There’s a variety of ways to improve your chances of scoring the best low-interest loan.
You can get a personal loan with a low interest rate from a variety of lenders. These include banks, credit unions and peer-to-peer lenders. But, regardless of the lender you choose, you’ll need a strong credit profile, a stable source of income and a low DTI ratio to secure the lowest rate.
Besides that, make sure to compare offers from different lenders before deciding on one, as this will allow you to get the best offer available for your financial situation.
In addition to personal loans, there are a few other options you can explore to get the funds you need, without paying a lot in interest. These are a few of them.
A cash-out refinance essentially replaces your mortgage with a bigger one, with different terms and interest rates. With this loan, you get to keep the difference between your old mortgage and your new one. On the downside, your mortgage payment will be higher, the loan can take up to 60 days to be completed and it requires a decent amount of paperwork. That said, a cash-out refi could be a good option if you need a considerable amount of money for home renovations or a big investment as APRs can be as low as 5 percent.
Some credit cards offer 0% introductory offers in which you get to make purchases, without accruing interest for a set number of months. To qualify for these, you’ll typically need excellent credit and a stable source of income. This option is better suited for those who only need to borrow a small amount (usually no more than $3,000).
BPNLs are a type of installment loan that allows you to split your purchase into a series of interest-free payments (between four and six, depending on the company). Although these services are often offered through online retailers, some stores are beginning to accept them as a form of payment. BPNLs are better suited for big purchases, such as furniture and equipment.
Interest rates vary depending on your credit score. Some lenders offer minimum rates as low as 6.5 percent. Those with the highest credit scores, 720 to 850, are most likely to qualify for the lowest rates. Anything below 12 percent is generally considered a good interest rate.
To qualify for a low interest personal loan, you need to have good credit. Before applying, check your credit score. If you have bad or fair credit, it may be a good idea to work on improving your score before applying. You also have the option to apply with a co-signer. When you’re ready to apply, review all of your options and read the terms carefully before making a decision.
Low-interest loans are great for consolidating debt since the low interest rates save you from too many added costs. If you apply with a lender that offers debt consolidation loans, it can help you streamline your payments and reduce overall costs. Some lenders offer to pay creditors directly.
To select the top low-interest personal loan lenders, Bankrate considered factors that help consumers decide whether a lender is a good fit for them, such as credit requirements and APR ranges. We sought lenders with low fees and a range of loan amounts for borrowers with varying budgets and credit profiles. We also looked for conveniences like online applications and fast funding.
The lenders featured here also were evaluated for notable features like customer discounts, flexible repayment options, access to financial tools and more.