Bankrate personal loan reviews

Choosing a personal loan lender that’s right for your individual needs can be difficult in a market with so many options now. In order to find a lending institution you trust, browse our expansive and consistently updated list of lender reviews. Whether you need a loan for debt consolidation, a kitchen renovation or a major purchase, here you’ll find ratings, full reviews and a description of each lender’s distinctive qualities in order to help guide your decision.

Featured Reviews

All Lender Reviews

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If you prefer to do business at a brick-and-mortar bank, TD Bank could be a good fit for your personal loan needs.
Overall Rating 4.9/5
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Upgrade offers fixed-rate personal loans of up to $50,000 to borrowers with fair credit or better. The application process is entirely online, and Upgrade offers fast approval and funding.
Overall Rating 4.8/5
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Discover, though known for its credit cards, also offers a range of personal loans with flexible repayment terms, no processing fees and low APRs.
Overall Rating 4.8/5
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Marcus by Goldman Sachs charges low rates and no fees for fixed-rate personal loans.
Overall Rating 4.8/5
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LightStream charges no fees on its personal loans and offers very competitive rates. Its loans can be used for nearly any purpose, including debt consolidation and adoption financing.
Overall Rating 4.6/5
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A SoFi personal loan is a great option for borrowers who make a decent income and have good credit. There are no origination fees or late fees and you won’t be penalized for paying your balance off early.
Overall Rating 4.6/5
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Eloan provides loans for debt consolidation, medical expenses, auto expenses, credit card debt and more, with funding as soon as the next business day.
Overall Rating 4.6/5
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Best Egg is an online lender known for offering borrowers low rates and quick funding, often in as little as one business day.
Overall Rating 4.6/5
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One of the largest military-affiliated financial service companies in the nation, USAA offers competitive rates and fast funding on personal loans.
Overall Rating 4.6/5
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Rise offers small personal loans of $300 to $5,000 and doesn’t charge origination or application fees, but its APRs can be as high as 299 percent.
Overall Rating 4.6/5
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PenFed offers low APRs and fast funding on personal loans from $600 to $35,000, and it doesn’t charge origination fees or a prepayment penalty.
Overall Rating 4.6/5
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Payoff provides online loans with low rates and quick turnaround times to borrowers solely interested in eliminating high-interest credit card debt.
Overall Rating 4.5/5
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Looking for a personal loan? Check out our review of Barclays to see if the lender can provide the best personal loan for you.
Overall Rating 4.5/5
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PNC Bank’s low-APR, no-fee personal loans are best for those interested in consolidating debt or making a large purchase.
Overall Rating 4.5/5
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Upstart is an online lender founded by former Google employees and lends to those with fair credit.
Overall Rating 4.5/5
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Rocket Loans, which was created by mortgage provider Quicken Loans, makes it easy for consumers to apply for an unsecured personal loan. Qualified borrowers can apply online and receive funding as soon as the same business day.
Overall Rating 4.5/5
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This lender offers fast funding and flexible payment options. Additionally, you don’t need stellar credit to qualify for a loan with Avant.
Overall Rating 4.5/5
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OppLoans is an online lender offering short-term installment loans with fast funding to borrowers who need an alternative to traditional payday loans.
Overall Rating 4.4/5
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Prosper was the first company to enter the peer-to-peer lending market and offers unsecured personal loans to borrowers through an entirely virtual process, allowing it to provide low interest rates and quick funding times.
Overall Rating 4.4/5
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Municipal Credit Union offers low rates on personal loans, but you must be eligible for membership to qualify.
Overall Rating 4.4/5
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This Illinois-based bank offers personal loans for home improvements and more, but you’ll have to be a resident of one of 24 states to qualify.
Overall Rating 4.4/5
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LendingPoint targets customers with below-average credit interested in taking out personal loans of up to $25,000.
Overall Rating 4.4/5
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NetCredit, a subsidiary of Enova International, offers unsecured personal loans ranging from $1,000 to $10,500.
Overall Rating 4.3/5
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LendingClub’s unsecured personal loans range from $1,000 to $40,000 with relatively affordable annual percentage rates (APRs). LendingClub charges origination fees and requires fair to excellent credit to qualify.
Overall Rating 4.3/5
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Axos Bank’s unsecured personal loans offer $5,000 to $35,000 for borrowers with good credit. It offers fast funding but charges an origination fee.
Overall Rating 4.2/5
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FreedomPlus is an online personal loan provider with same-day loan decisions and funding within 48 hours for loans up to $50,000.
Overall Rating 4.1/5
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Personify is known for offering loans to people with below-average credit.
Overall Rating 4.0/5
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LendUp pitches itself as an alternative to payday loans, specializing in making small loans to borrowers with low credit scores.
Overall Rating 4/5
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Mariner Finance offers loans as small as $1,000 and accepts joint applications, but applicants may have to visit a branch in one of 25 states.
Overall Rating 3.8/5
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OneMain Financial is an online lender offering unsecured and secured loans to borrowers with below-average credit.
Overall Rating 3.8/5
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