Compare Personal Loan Rates and Terms — July 2026 Reviews

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Are you exploring personal loan options but feeling overwhelmed by the multitude of choices? We have reviewed the most popular personal loan providers in the market, allowing you to easily evaluate and select the best loan option tailored to your needs.

Whether you're looking to consolidate debt, finance a major purchase, or cover unexpected expenses, our goal is to help you make an informed decision. We analyze key factors like interest rates, loan amounts, repayment terms, and fees, so you can quickly compare and contrast different lenders with ease.

If you're confused by the financial jargon or don't know where to start with personal loans, then check out our blog.

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Loan Amount: $5,000-$50,000
Loan Duration: 24-60 months
APR: 6.25%-35.99%
Origination Fees: 1.99%-9.99%
Minimum Credit Score: 640
Coborrowers/Cosigners: Yes

Pros

Multiple discounts available
Check rate with no credit score impact
Co-borrowers allowed

Cons

Unavoidable origination fees (1.99-9.99%)
Restrictive loan terms (min 2 year loans)

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Loan Amount: $2,000-$35,000
Loan Duration: 24-60 months
APR: 9.95%-35.99%
Origination Fees: Up to 9.99%
Minimum Credit Score: 550
Coborrowers/Cosigners: No

Pros

Fast Process
Check rate with no credit score impact
Well-rated app

Cons

Bad customer reviews
High origination fees (Up to 9.99%)
No Cosigned/Joint Apps
No Rate Discounts

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Loan Amount: $7,000-$50,000
Loan Duration: 36-72 months
APR: 11.79%-20.84%
Origination Fees: 0%-2%
Minimum Credit Score: 730
Coborrowers/Cosigners: No

Pros

Low Rates
Check rate with no credit score impact
Change Payment Date
Well-rated app

Cons

Bad customer reviews
Uncompetitive Best Rate
No Cosigned/Joint Apps
Restrictive Loan Options

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Loan Amount: $2,000-$50,000
Loan Duration: 36-60 months
APR: 6.99%-35.99%
Origination Fees: 0.99%-9.99%
Minimum Credit Score: 600
Coborrowers/Cosigners: No

Pros

Check your rate
Secured loan option
Debt consolidation tools
Strong customer reviews

Cons

Origination fees
No joint/cosigned loans
Limited repayment terms

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Loan Amount: $20,000-$250,000
Loan Duration: 24-120 months
APR: 6.49%-28.89%
Origination Fees: 1%-5%
Minimum Credit Score: 640
Coborrowers/Cosigners: No

Pros

Very large loan amounts
Long repayment terms
Check your rate
Concierge-style support

Cons

Strict Eligibility Requirements
Origination fees
High Minimum Loan Amount

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Loan Amount: $2,000-$30,000
Loan Duration: 12-60 months
APR: 9.99%-17.49%
Origination Fees: None
Minimum Credit Score: none
Coborrowers/Cosigners: No

Pros

Low Maximum APR
No Fees
Flexible Loan Options
Autopay Discount
Fast Funding
Relationship Benefits

Cons

No joint/cosigned loans
Poor Customer Reviews
Stronger borrowers preferred

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Loan Amount: $2,500-$40,000
Loan Duration: 36-84 months
APR: 7.99%-24.99%
Origination Fees: None
Minimum Credit Score: n/a
Coborrowers/Cosigners: No

Pros

No fees
Low maximum APR
Long repayment terms

Cons

No autopay discount
No joint/cosigned loans
Long Minimum Loan Term
Poor customer reviews

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Loan Amount: $3,000-$50,000
Loan Duration: 24-84 months
APR: 7.99%-25.24%
Origination Fees: 1%-8% (optional)
Minimum Credit Score: n/a
Coborrowers/Cosigners: No

Pros

Flexible loan options
Optional origination fee
Check your rate
Skip-a-Payment Flexibility
Rate reduction features

Cons

No joint/cosigned loans
No mobile app
Lowest rates require fees

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Loan Amount: $5,000-$40,000
Loan Duration: 24-60 months
APR: 7.95%-35.99%
Origination Fees: 0.25%-10%
Minimum Credit Score: 620
Coborrowers/Cosigners: No

Pros

Debt consolidation focus
Check your rate
Direct Creditor Payments

Cons

Limited loan purposes
Origination fees
No joint/cosigned loans

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Loan Amount: $1,000-$60,000
Loan Duration: 24-84 months
APR: 5.96%–35.99%
Origination Fees: 0%-8%
Minimum Credit Score: 600
Coborrowers/Cosigners: Yes

Pros

Loan flexibility
Pay creditors directly
Check your rate
Educational resources

Cons

Origination Fees
High Maximum APR

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Loan Amount: $1,000-$36,500
Loan Duration: 24-72 months
APR: 7.99%–35.99%
Origination Fees: Up to 10%
Minimum Credit Score: n/a
Coborrowers/Cosigners: No

Pros

Loan flexibility
Check your rate
Hardship program
Well rated app

Cons

High origination fees
Incomplete credit bureau reporting
No cosigner/joint loans
Negative customer reviews

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Loan Amount: $5,000-$100,000
Loan Duration: 24-240 months
APR: 6.99%–25.99%
Origination Fees: None
Minimum Credit Score: 660
Coborrowers/Cosigners: Yes

Pros

Low cost
Rate beat
Longer terms
Well rated app

Cons

No Prequalification
Negative customer reviews
Tough Approval Requirements

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Loan Amount: $1,000-$10,000
Loan Duration: 6-60 months
APR: 34%–99.99%
Origination Fees: Depends on state (up to 5%)
Minimum Credit Score: None
Coborrowers/Cosigners: No

Pros

Alternative data powered qualification
Fast Funding
Check your rate
Transparency

Cons

Extremely High APRs
Origination Fees
Limited geographical availability
No joint/cosigned loans
No Secured Loans

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Loan Amount: $1,500-$30,000
Loan Duration: 24-60 months
APR: 11.99%-35.99%
Origination Fees: $25-$500 or 1%-10% (state-specific)
Minimum Credit Score: None
Coborrowers/Cosigners: Yes

Pros

Brick and mortar branches
Alternative data powered qualification
Fast Funding
Check your rate
Loan Flexibility
Well-rated app

Cons

High interest rates
Origination Fees
No rate discounts

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Loan Amount: $500-$5,000
Loan Duration: 9-18 months
APR: 99%-195%
Origination Fees: None
Minimum Credit Score: None
Coborrowers/Cosigners: No

Pros

No Credit Score Impact
No Minimum Credit Score
Fast Funding
Financial Education

Cons

High interest rates
No joint/cosigned loans
No secured loans

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Loan Amount: $2,000-$50,000
Loan Duration: 24-60 months
APR: 8.99%-35.99%
Origination Fees: 1%-9.99%
Minimum Credit Score: None
Coborrowers/Cosigners: Coborrowers allowed

Pros

Loan Flexibility
Check your Rate
Well-rated app
Alternative Approval Model

Cons

Origination Fees
High Maximum APRs
Poor BBB Customer Ratings

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Loan Amount: $3,500-$40,000
Loan Duration: 24-60 months
APR: 5.99%-35.99%
Origination Fees: 0%-8%
Minimum Credit Score: n/a
Coborrowers/Cosigners: No

Pros

Debt consolidation focus
Direct creditor payments
Flexible Payment Scheduling
Check your rate
Strong Customer Reviews

Cons

Origination fees
No joint/cosigned loans
Limited loan purposes
Limited Digital Experience

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Loan Amount: $2,500-$25,000
Loan Duration: 36-60 months
APR: 9.99%-36%
Origination Fees: Up to 6%
Minimum Credit Score: n/a
Coborrowers/Cosigners: No

Pros

Fast Funding
Available for Fair Credit Borrowers
Secured Loan Options
Strong Customer Reviews
Check your rate

Cons

High Maximum APR
Origination and Additional Fees
No joint/cosigned loans
Complaints about changing loan terms

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Loan Amount: $2,000-$75,000
Loan Duration: 36 or 60 months
APR: 8.01%-29.99%
Origination Fees: Up to 9.99%
Minimum Credit Score: 640
Coborrowers/Cosigners: No

Pros

Fast funding
Check your rate
Strong customer reviews

Cons

Origination fees
Limited loan terms
No Direct Creditor Payments
No joint/cosigned loans

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Loan Amount: $5,000-$100,000
Loan Duration: 24-72 months
APR: 8.24%-35.99%
Origination Fees: 0%-7%
Minimum Credit Score: n/a
Coborrowers/Cosigners: Coborrowers allowed

Pros

Optional Origination Fees
Multiple discounts
Check your rate
Joint applications
Well-rated app

Cons

Poor BBB Customer Reviews
Restrictive loan options
No Secured Loans

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Loan Amount: $1,000-$100,000
Loan Duration: 24-84 months
APR: 8.99%-35.99%
Origination Fees: Varies by lender
Minimum Credit Score: n/a
Coborrowers/Cosigners: Varies by lender

Pros

Large loan amounts
Check your rate
Fast funding
Marketplace model

Cons

Limited transparency
Marketplace variability
Potential origination fees
No mobile app

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Loan Amount: $1,000-$50,000
Loan Duration: 36-60 months
APR: 11.69%-35.99%
Origination Fees: 5.25%-9.99%
Minimum Credit Score: 580
Coborrowers/Cosigners: No

Pros

Multiple discounts
Check your rate
Flexible loan amounts
Well-rated app

Cons

Origination fees
No joint/cosigned loans
No secured loans
Uninformative website

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Loan Amount: $1,000-$50,000
Loan Duration: 24-84 months
APR: 7.74%-35.99%
Origination Fees: 1.85%-9.99%
Minimum Credit Score: 580
Coborrowers/Cosigners: Coborrowers allowed

Pros

Loan Flexibility
Multiple discounts
Check your rate
Well-rated app

Cons

Origination fees
Limited discount transparency

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Loan Amount: $1,000-$50,000
Loan Duration: 36 or 60 months
APR: 6.2%-35.99%
Origination Fees: 0%-12%
Minimum Credit Score: none
Coborrowers/Cosigners: No

Pros

Unique underwriting model
Check your rate
Fast Process

Cons

Origination fees
Limited Terms
No joint/cosigned loans
Poor BBB Customer Reviews