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Best personal loan rates of October 2024

What to know first: The best personal loan rates start below 8 percent and go to the most creditworthy borrowers. Personal loan interest rates currently range from about 8 percent to 36 percent, with the average rate at 12.38 percent.

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PERSONAL LOANS

LightStream: Bankrate 2024 Awards Winner For Excellent Credit

4.7

Est. APR
6.99- 25.29%
* with AutoPay
Loan term
2-7 yrs*
Loan amount
$5k- $100K
Min credit score
695
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PERSONAL LOANS

Upstart: Best loan for little credit history

4.8

Est. APR
7.80- 35.99%
Loan term
3-5 yrs
Loan amount
$1k- $50K
Min credit score
300

PERSONAL LOANS

Achieve: Bankrate 2024 Awards Winner For Best Debt Consolidation

4.7

Est. APR
8.99- 35.99%
Loan term
2-5 yrs
Loan amount
$5k- $50K
Min credit score
620
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PERSONAL LOANS

LendingClub: Best for small loan amounts

4.5

Est. APR
9.06- 35.99%
Loan term
2-5 yrs
Loan amount
$1k- $40K
Min credit score
600
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PERSONAL LOANS

Happy Money: Best for credit card debt consolidation

4.6

Est. APR
11.72- 17.99%
Loan term
2-5 yrs
Loan amount
$5k- $40K
Min credit score
640
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PERSONAL LOANS

OneMain Financial: Best for same-day bad credit loans

4.4

Est. APR
18.00- 35.99%
Loan term
2-5 yrs
Loan amount
$1.5k- $20K
Min credit score
Not disclosed
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PERSONAL LOANS

Citi® Personal Loan: Best for no fees

4.6

Est. APR
11.49- 20.49%
Loan term
1-5 yrs
Loan amount
$2k- $30K
Min credit score
720
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PERSONAL LOANS

Upgrade: Best for fair credit and longer terms

4.7

Est. APR
9.99- 35.99%
with AutoPay
Loan term
2-7 yrs
Loan amount
$1k- $50K
Min credit score
600
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PERSONAL LOANS

Best Egg: Best for unique secured loans

4.6

Est. APR
7.99- 35.99%
Loan term
3-5 yrs
Loan amount
$2k- $50K
Min credit score
600
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Check rate with Bankrate

PERSONAL LOANS

Prosper: Best for peer-to-peer lending

4.6

Est. APR
8.99- 35.99%
Loan term
2-5 yrs
Loan amount
$2k- $50K
Min credit score
640

PERSONAL LOANS

Avant: Best for bad credit

4.7

Est. APR
9.95- 35.99%
Loan term
2-5 yrs
Loan amount
$2k- $35K
Min credit score
550

PERSONAL LOANS

LendingPoint: Best for small, low-interest loans

4.4

Est. APR
7.99- 35.99%
Loan term
2-6 yrs
Loan amount
$1k- $36.5K
Min credit score
600

PERSONAL LOANS

SoFi: Bankrate 2024 Awards Winner for Best Online Lender

4.7

Est. APR
8.99- 29.49%
with all discounts
Loan term
2-7 yrs
Loan amount
$5k- $100K
Min credit score
300