Top 10 Best Personal Loan Companies: A personal loan can help you cover practically any personal expense, but before you apply, you should evaluate as many lenders as possible to discover the best loan for you.
When researching lenders, bear in mind that the finest personal loans should provide low interest rates, a diverse range of loan terms, and comprehensive qualification standards.
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Best personal loans for every situation
Each receiver has distinct demands and financial circumstances. Fortunately, there are numerous personal loan providers who give personal loans for nearly every situation. (List of the Top 10 Best Personal Loan Companies)
Here are some personal offers from reliable partners:
1. Avant
- Fixed APR: 9.95% – 35.99% APR
- Variable APR: N/A
- Min. credit score: 550
- Loan amount: $2,000 to $35,000**
- Loan terms (years): 2, 3, 4, 5*
- Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
- Fees: Origination fee (Top 10 Best Personal Loan Companies)
- Discounts: Autopay
- Eligibility: Available in all states except CO, IA, HI, VT, NV NY, WV
- Customer service: Phone, email
- Soft credit check: Yes
- Loan servicer: Avant
- Loan Uses: Debt consolidation, emergency expense, life event, home improvement, and other purposes
- Min. Income: $1,200 monthly
2. Axos Bank
- Fixed APR: 6.79% – 17.99% APR
- Variable APR: N/A
- Min. credit score: 740
- Loan amount: $5,000 to $35,000
- Loan terms (years): 1, 2, 3, 4, 5
- Time to fund: Next business day
- Fees: No prepayment penalty
- Discounts: None (Top 10 Best Personal Loan Companies)
- Eligibility: Available in all 50 states
- Customer service: Phone
- Soft credit check: Yes
- Min. Income: Does not disclose
- Loan Uses: Debt consolidation, home improvement, self-employment, and other purposes
3. Best Egg
- Fixed APR: 5.99% – 29.99% APR
- Variable APR: N/A
- Min. credit score: 600
- Loan amount: $2,000 to $50,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: As soon as 1 – 3 business days after successful verification
- Fees: Origination fee
- Discounts: None (Top 10 Best Personal Loan Companies)
- Eligibility: Available in all states except DC, IA, VT, and WV
- Customer service: Phone
- Soft credit check: Yes
- Loan servicer: Best Egg and Blue Ridge Bank
- Min. Income: None
- Loan Uses: Credit card refinancing, debt consolidation, home improvement, and other purposes
4. Discover
- Fixed APR: 6.99% – 24.99% APR
- Min. credit score: 660
- Loan amount: $2,500 to $35,000
- Loan terms (years): 3, 4, 5, 6, 7
- Time to fund: As soon as the next business day after acceptance
- Fees: Late fee
- Discounts: None (Top 10 Best Personal Loan Companies)
- Eligibility: Available in all 50 states
- Customer service: Phone
- Soft credit check: Yes
- Loan Uses: Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding
5. Freedomplus
- Fixed APR: 7.99% – 29.99% APR
- Min. credit score: Does not disclose
- Loan amount: $10,000 to $50,000
- Loan terms (years): 2, 3, 4, 5
- Time to fund: As soon as 2 business days
- Fees: Origination fee
- Discounts: No
- Eligibility: Available in all states except CO, CT, HI, KS, NH, NY, ND, OR, VT, WV, WI, and WY
- Customer service: Phone
- Soft credit check: Yes
- Min. Income: None
- Loan Uses: Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes
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6. LendingClub
- Fixed APR: 7.04% – 35.89% APR
- Min. credit score: 600
- Loan amount: $1,000 to $40,000
- Loan terms (years): 3, 5
- Time to fund: Usually takes about 2 days†
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone, email
- Soft credit check: Yes
- Loan servicer: LendingClub Bank
- Min. Income: None
- Loan Uses: Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes
7. Penfed
- Fixed APR: 5.99% – 17.99% APR
- Min. credit score: 670
- Loan amount: $600 to $35,000*
- Loan terms (years): 1, 2, 3, 4, 5
- Time to fund: 2 to 4 business days after verification
- Fees: None
- Discounts: None (Top 10 Best Personal Loan Companies)
- Eligibility: Does not disclose
- Customer service: Phone, email
- Soft credit check: No
- Min. Income: Does not disclose
- Loan Uses: Debt consolidation, home improvement, transportation, medical, dental, life events
8. Upgrade
- Fixed APR: 5.94% – 35.97% APR
- Min. credit score: 580
- Loan amount: $1,000 to $50,000*
- Loan terms (years): 2, 3, 5, 6
- Time to fund: Within a day of clearing necessary verifications
- Fees: Origination fee
- Discounts: Autopay
- Eligibility: Available in all states except West Virginia
- Customer service: Email
- Soft credit check: Yes
- Min. Income: Does not disclose
- Loan Uses: Debt consolidation, credit card refinancing, home improvement, and other purposes
9. Upstart
- Fixed APR: 6.46% – 35.99% APR4
- Min. credit score: 580
- Loan amount: $1,000 to $50,0005
- Loan terms (years): 3 to 5 years4
- Time to fund: As fast as 1 business day6
- Fees: Origination fee
- Discounts: None
- Eligibility: Available in all 50 states
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: $12,000
- Loan Uses: Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
10. SoFi
- Fixed APR: 5.99% – 18.83% APR
- Min. credit score: Does not disclose
- Loan amount: $5,000 to $100,000
- Loan terms (years): 2, 3, 4, 5, 6, 7
- Time to fund: 3 business days
- Fees: None (Top 10 Best Personal Loan Companies)
- Discounts: Autopay
- Eligibility: Available in all states except MS
- Customer service: Phone, email
- Soft credit check: Yes
- Min. Income: Does not disclose
- Loan Uses: Solely for personal, family, or household uses
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