We track APRs from 50+ loan places every single day. Use our free calculator to see exactly what your monthly payment looks like — then check what you actually qualify for in 90 seconds.
Rates verified weekly. Your actual rate depends on your creditworthiness, income, and the specific loan place you choose.
| Loan Place | APR Range | Loan Range | Min Score | Funding Speed | Rating | |
|---|---|---|---|---|---|---|
| LightStream Top Pick | 6.99%–25.49% | $5K–$100K | 660 | Same Day | ★★★★★ 4.9 | Apply → |
| SoFi | 8.99%–29.49% | $5K–$100K | 650 | 1–3 Days | ★★★★★ 4.8 | Apply → |
| Marcus | 6.99%–28.99% | $3.5K–$40K | 660 | 1–4 Days | ★★★★★ 4.7 | Apply → |
| Upgrade Bad Credit OK | 9.99%–35.97% | $1K–$50K | 560 | Next Day | ★★★★☆ 4.5 | Apply → |
| Avant Bad Credit OK | 9.95%–35.99% | $2K–$35K | 550 | Next Day | ★★★★☆ 4.3 | Apply → |
| LendingPoint | 7.99%–35.99% | $2K–$36.5K | 585 | Next Day | ★★★★☆ 4.4 | Apply → |
Rates accurate December 2024. Advertised rates are not guaranteed — final rate depends on your credit profile.
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Personal loan rates are not fixed — they are priced individually based on a combination of factors. Understanding which factors you can influence before applying can meaningfully change the rate you are offered.
Credit score is the most visible factor but not the only one. Two borrowers with identical scores can receive offers 3–5 percentage points apart based on income, debt load, and banking history.
Loan amount and term affect rate directly. Shorter terms (24–36 months) generally receive lower rates than longer terms because lender risk is lower. Smaller loans sometimes carry higher rates because the fixed cost of underwriting is spread over less principal.
Loan purpose matters more than most borrowers expect. Debt consolidation loans typically receive the lowest rates of any personal loan category because lenders see them as lower default risk — the borrower is reducing financial stress, not adding to it.
Best Rate Strategy: Apply for a consolidation or home improvement loan (even if the use is general) — these categories consistently receive lower rates than "personal" or "other" purpose loans at the same lender.
Compare real rates from 50+ loan places — free, in 90 seconds.
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