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Top personal loan lenders

  • Upgrade

    5.0 NerdWallet rating
    Best for: overall personal loans
    Est. APR 7.74-35.99%
    Loan amount $1,000-$50,000
    Loan term 2 to 7 years
    Min. credit score 600
    Time to fund 1 day

    on Upgrade's website

  • Happen Bank (formerly LendingClub)

    5.0 NerdWallet rating
    Best for: debt consolidation loans
    Est. APR 6.53-35.99%
    Loan amount $1,000-$75,000
    Loan term 2 to 7 years
    Min. credit score 600
    Time to fund 1-2 days

    on Happen Bank (Formerly Lending Club)'s website

  • Discover® Personal Loans

    5.0 NerdWallet rating
    Best for: borrowers with good or excellent credit
    Est. APR 7.99-24.99%
    Loan amount $2,500-$40,000
    Loan term 3 to 7 years
    Min. credit score 660
    Time to fund Same day
    Read review

  • Universal Credit

    4.5 NerdWallet rating
    Best for: borrowers with bad to fair credit
    Est. APR 11.69-35.99%
    Loan amount $1,000-$50,000
    Loan term 3 to 5 years
    Min. credit score 560
    Time to fund 1 day

    on Universal Credit's website

  • LightStream

    4.5 NerdWallet rating
    Best for: home improvement loans
    Est. APR 7.24-24.89%
    Loan amount $5,000-$100,000
    Loan term 2 to 7 years
    Min. credit score 660
    Time to fund Same day

    on LightStream's website

  • Best Egg

    4.5 NerdWallet rating
    Best for: secured personal loans
    Est. APR 5.99-35.99%
    Loan amount $2,000-$50,000
    Loan term 3 to 7 years
    Min. credit score 600
    Time to fund 1 day

    on Best Egg's website

  • Upstart

    4.4 NerdWallet rating
    Best for: borrowers with short credit histories
    Est. APR 6.20-35.99%
    Loan amount $1,000-$75,000
    Loan term 3 to 7 years
    Min. credit score None
    Time to fund 1 day

    on Upstart's website

  • SoFi Personal Loan

    4.6 NerdWallet rating
    Best for: large loan amounts
    Est. APR 6.99-35.49%
    Loan amount $5,000-$100,000
    Loan term 2 to 7 years
    Min. credit score None
    Time to fund Same day

    on SoFi's website

Rates and offers shown are from lenders and may vary based on your creditworthiness and loan terms. NerdWallet maintains editorial independence; advertiser relationships do not influence ratings or recommendations.