NerdWallet's Top Picks — Updated May 2026

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Compare rates from top lenders. No impact to your credit score. Picked by NerdWallet's expert team.

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NerdWallet's Top 3 Personal Loan Picks

#1 Pick
Earnest Personal Loan
4.7/5
Est. APR
6.49-29.99%
Loan Amount
$3,000-$50,000
Min. Credit Score
680
  • Multiple rate discounts.
  • Fast funding.
  • Flexible repayment options.
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Rates and terms are subject to lender approval.

#2 Pick
Upgrade
4.6/5
Est. APR
7.74-35.99%
Loan Amount
$1,000-$75,000
Min. Credit Score
600
  • Multiple rate discounts.
  • Secured and co-signed loans.
  • Fast funding.
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Rates and terms are subject to lender approval.

#3 Pick
SoFi Personal Loan
4.6/5
Est. APR
6.99-35.49%
Loan Amount
$5,000-$100,000
Min. Credit Score
None
  • Multiple rate discounts.
  • Joint loans.
  • Hardship assistance.
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Rates and terms are subject to lender approval.

APRs shown are provided by lenders and are subject to change. Rates reflect lender-reported ranges as of the date of this page and may not include all fees. NerdWallet maintains editorial independence; advertisers do not influence ratings or recommendations.