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Top personal loan lenders

  • Earnest Personal Loan

    4.7 NerdWallet rating
    Best for: borrowers with good or excellent credit
    Est. APR 6.49-29.99%
    Loan amount $3,000-$50,000
    Loan term 2 to 7 years
    Min. credit score 680
    Time to fund 1 day
    Read review

    on NerdWallet's secure website

  • Upgrade

    4.6 NerdWallet rating
    Best for: borrowers with fair credit
    Est. APR 7.74-35.99%
    Loan amount $1,000-$75,000
    Loan term 2 to 7 years
    Min. credit score 600
    Time to fund 1 day

    on Upgrade'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

  • Discover® Personal Loans

    4.8 NerdWallet rating
    Best for: low rates and no fees
    Est. APR 6.99-24.99%
    Loan amount $2,500-$40,000
    Loan term 3 to 7 years
    Min. credit score 660
    Time to fund Next business day
    Read review

  • Happen Bank (formerly LendingClub)

    4.5 NerdWallet rating
    Best for: debt consolidation loans
    Est. APR 5.96-35.99%
    Loan amount $1,000-$75,000
    Loan term 2 to 7 years
    Min. credit score 600
    Time to fund Next day

    on Happen Bank (Formerly Lending Club)'s website

  • Patelco Credit Union Personal Loan

    4.5 NerdWallet rating
    Best for: wide range of amounts and terms
    Est. APR 6.99-17.90%
    Loan amount $300-$100,000
    Loan term 6 months to 7 years
    Min. credit score 630
    Time to fund 2-3 days
    Read review

    on NerdWallet's secure website

  • Upstart

    4.4 NerdWallet rating
    Best for: borrowers with bad credit or 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

  • Rocket Loans

    4.4 NerdWallet rating
    Est. APR 7.99-29.99%
    Loan amount $2,000-$75,000
    Loan term 3 to 5 years
    Min. credit score 640
    Time to fund Same day

    on Rocket Loans'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.