What is a guarantor loan and is it right for you? Our guide explains everything you need to know. Bridging loans are short-term loans to bridge the gap between selling your old house and buying a new one.

We talk through the pros and cons of holiday loans, and what you should consider before applying. We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent.

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Home Loans. Loans Find the right loan for you in minutes Get a quote No effect on your credit score. We've partnered with Monevo to offer their best deals on loans.

Monevo is a credit broker not a lender. What types of loan can I compare? We compare three main types of loan at Confused. com: Personal loans These are loans taken out to pay for things like weddings, home improvements or a new car.

Explore personal loans. Debt consolidation loans These are taken out to cover a series of smaller debts. Explore debt consolidation loans. Loans for bad credit If you have a poor credit rating, but need more credit, you may still be able to find a lender willing to help you.

Explore loans for bad credit. Who is Monevo? Plus, when you use Monevo you get: A free service with no obligation to apply once you've got your quote A quick and easy way to see what deals are out there for you Eligibility checks with no impact on your credit score.

Will comparing loans affect my credit score? Soft credit checks. Hard credit checks. Hard checks are recorded on your credit report, and failing one can damage your score.

The app is available on iOS and Android devices. Credit score checking and comparison platform for financial products. It offers comparison tools for consumer loans, prepaid cards for consumers and businesses, insurance, and more.

Users can also check credit scores by providing personal information. Online distribution and comparison platform for financial products. Bankbazaar is an online distribution and comparison platform for financial products.

Users need to provide basic details to apply for a product online and can track the status. Online personal finance management application. GuiaBolso provides an automated personal finance management app to the users. It syncs with multiple banks and allows users to track their balances and spendings.

Also recommends loans for consumers starting from 2. Comparison platform for bank accounts. Raisin offers a comparison platform for bank accounts. It also offers comparisons for fixed-rate bonds. It provides deposit guarantee schemes to users.

Online marketplace offering consumer loan comparison platform. The platform allows users to compare rates and apply for loans and credit cards online.

Users can also check the Interest rates, EMI, and repayment options. It also offers comparisons for health insurance, mutual funds, savings accounts, and more.

Listing portal for residential an commercial property in Germany. ImmobilienScout24 offers an online platform for real estate agents, owners to list residential and commercial real estate properties in Germany.

A property seeker can filter his search options by the area zip code, property utilities, budget and others. The website even provides a heat map base search engine where a user can see the exact location of the listed property and how far it is from schools, malls, retail shops, train stations an others.

The company claims to have more than 7 million visitor every month. It offers insurance quotes for car insurance, life insurance, health insurance, mortgage loan insurance, and more.

It also offers investment and savings solutions. The app is available for iOS and Android platforms. Online automotive loan comparison platform. Users must add a short quote form to receive multiple options matching the customers' requirements. Read the fine print to be sure, as most sites explain this upfront.

There are four steps to apply for a personal loan :. Ask yourself these 10 questions before taking out a personal loan. Terms apply. Rates without AutoPay are 0. Excellent credit required for lowest rate. Rates vary by loan purpose. LightStream , the online lending arm of SunTrust Bank, offers low-interest loans with flexible terms for people with good credit or higher.

LightStream is known for providing loans for nearly every purpose except for higher education and small business. You could get a LightStream personal loan to buy a new car, remodel a bathroom, consolidate debt , cover medical expenses or pay for a wedding, according to the company's website.

You can receive your funds on the same day, if you apply on a banking business day, your application is approved and you electronically sign your loan agreement and verify your direct deposit banking account information by p.

LightStream offers the lowest APRs of any lender on our list, ranging from 2. Interest rates vary by loan purpose, and you can view them on LightStream's website before you apply. Auto loans start at 2. This is subject to change as the Fed rates fluctuate. If you select the invoicing option for repayment, your APR will be one half of a percentage point higher than if you sign up for autopay.

The APR is fixed, which means your monthly payment will stay the same for the lifetime of the loan. Terms range from 24 to months — the longest term option among the loans on our best-of list. LightStream does not charge any origination fees , administration fees or early payoff fees.

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding.

Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Skip Navigation. Credit Cards. Follow Select. Our top picks of timely offers from our partners More details. Choice Home Warranty.

Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card

Loan comparison websites - Use Bankrate's loan comparison calculator to get a clear picture of all relevant costs Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card

You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion.

Rates and terms are subject to change without notice. Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time.

Lenders reserve the right to change or withdraw the prequalified rates at any time. Choose between personalized prequalified rates, as well as deferred and interest-only repayment options for your school loans.

Repayment options range from immediate full repayment principal and interest payments immediately after the loan is fully disbursed , interest only interest-only payments while you are in school, and start making principal and interest payments after you leave school , full deferral while in school, flat payment while in-school, graduated repayment payments increase over time.

Fees and Terms. The lenders we work with offer loans for undergraduate, graduate, parents and professional students. We also provide loans options to compare for income share agreements. Borrowers have several repayment options to choose from with our lenders, including interest-only payments while in school, full deferral while in school, immediate full repayment, and even the ability to repay based on a fixed percentage of future income.

To date, none of the loan comparison sites satisfy all of these standards, although all satisfy some of them. Skip to primary navigation Skip to main content Skip to primary sidebar Skip to footer. Graduate and undergraduate loans for almost every degree type.

Lifetime aggregate loan amount K. No fees. Apply Now. The APR is fixed, which means your monthly payment will stay the same for the lifetime of the loan. Terms range from 24 to months — the longest term option among the loans on our best-of list.

LightStream does not charge any origination fees , administration fees or early payoff fees. Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.

Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Skip Navigation.

Credit Cards. Follow Select. Our top picks of timely offers from our partners More details. Choice Home Warranty. National Debt Relief.

LendingClub High-Yield Savings. Freedom Debt Relief. UFB Secure Savings. Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers and links.

Read more about Select on CNBC and on NBC News , and click here to read our full advertiser disclosure. What is a personal loan? What are the current personal loan interest rates? How does my credit score affect the rate I get?

How do I know I'm getting the best interest rate? How do I apply for a personal loan? Here is Select's top pick for the best personal loan. There are two kinds of APRs: Fixed-rate APR: With a fixed rate APR, you lock in an interest rate for the duration of the loan's term, which means your monthly payment won't vary, making it easier to plan your budget.

Variable-rate APR: Variable rates fluctuate based on the Fed's prime rate and can go up and down over the lifetime of your loan. Read more. Why is my personal loan APR different than the interest rate?

According to the CFPB, there are five risk profile categories that help lenders choose who gets the best interest rates and the worst: Deep subprime: Credit scores below Subprime: Credit scores between and Near-prime: Credit scores between and Prime: Credit scores between and Super-prime: Credit scores of or above It's not always cut and dry other factors like income, co-signers and collateral can make a difference , but knowing your credit score can give you a sense of the interest rate you'll qualify for.

Fortunately, you can usually shop around before deciding on the best loan for your budget. There are four steps to apply for a personal loan : Decide how much money you need and make a payoff plan. Prequalify and compare offers. Gather documents and submit information. Wait for approval and funding.

Learn More. Annual Percentage Rate APR 7. Debt consolidation, home improvement, auto financing, medical expenses, and others. Cons Requires several years of credit history No option to pay your creditors directly Not available for student loans or business loans No option for pre-approval on website but pre-qualification is available on some third-party lending platforms.

View More. Personal loans often have lower interest rates than credit cards—these are the best 5 right now. Credit card vs personal loan: Which should you use?

Find the right savings account for you. What to know about paying taxes on sports bets Elizabeth Gravier.

Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card Compare personal loan rates from top lenders for February ; Upstart · · Loan term. 3, 5 years ; LightStream · · Loan term. 2 - 7 years NerdWallet's loan comparison calculator helps you compare the monthly and total cost of two mortgage, small business or personal loan offers: Loan comparison websites

Ask yourself these 10 questions before taking out coparison personal loan. Relief for jobless parents lenders cojparison Cash advance loans borrowers. As cokparison, unsecured loans tend to have higher interest rates than secured loans such as auto or home loans. Loan closing is contingent on accepting all required agreements and disclosures. Comparison platform for bank accounts. Mortgage Rates Down. You can get a personal loan from many banks, credit unions and online lenders.	Minimum credit score: None. Yes, you may be able to get a personal loan if you have bad credit, but your options will be limited and it could be more difficult to qualify. This tool is provided and powered by Engine by Moneylion, a search and comparison engine that matches you with third-party lenders. Receive Your Money. We do not receive compensation for our ratings.	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card	Looking for a personal loan? Find the best lenders with the lowest APRs based on your credit history with the our personal loan finder tool WalletHub makes it easy to compare personal loan rates online. From large personal loans with low APRs for debt consolidation and refinancing, to small personal Get pre-qualified offers by comparing personal loan rates & lenders online. Check your interest rate in 2 minutes with no impact on your credit score	Compare personal loans from online lenders like SoFi, Discover and LendingClub. Rates start around 6% for well-qualified borrowers. Pre-qualify for your NerdWallet's loan comparison calculator helps you compare the monthly and total cost of two mortgage, small business or personal loan offers Use Bankrate's loan comparison calculator to get a clear picture of all relevant costs
Personal finance counseling May charge origination fee. com: Personal loans Loaj are loans taken out to ccomparison for Loa like weddings, home improvements or a new car. Rates are not guaranteed and vary based on the credit profile of each applicant. Debt consolidation. You can get your free credit report with NerdWallet or at AnnualCreditReport.	Check 24 provides an online comparison platform for individuals to compare the price of various financial products. Lowest rates reserved for the most creditworthy borrowers. Not everyone will qualify for a personal loan, and some lenders do not allow cosigners. Between April 1, and June 30, , Personal Loans issued by LendingClub Bank were funded within 30 hours after loan approval, on average. Her work has appeared in The Associated Press and USA Today.	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card	Compare personal loan rates from top lenders for February ; Upstart · · Loan term. 3, 5 years ; LightStream · · Loan term. 2 - 7 years Get pre-qualified offers by comparing personal loan rates & lenders online. Check your interest rate in 2 minutes with no impact on your credit score Compare loans from multiple providers without affecting your credit score. Find the right loan for you in just a few clicks with movieflixhub.xyze	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card
What is the difference websltes a fixed rate and a variable rate? Loxn rate, Cash advance loans referred to as APR, is the monthly Competitive loan rates customers pay to the banks for the money they borrow. No late fees. Some amounts, rates, and term lengths may be unavailable in certain states. Must have a full-time job or be starting a full-time job within six months. Consider a secured personal loan.	Last updated: January 10, For us to use our non-essential cookies, we need your consent. Weddings are more expensive than ever — a personal loan could help make your dream wedding a reality. Cons Origination fee. No direct payment to creditors with debt consolidation loans.	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card	Similar to the “Common App,” users (and co-signers) complete a single, brief form and receive personalized prequalified rates from multiple lenders. Checking This site uses cookies to store information on your computer. Some are essential to make our site work; others help us improve the user experience. By using the Compare loans rates today and find out what you can use a loan for, including home improvements, buying a car & weddings	Compare loans rates today and find out what you can use a loan for, including home improvements, buying a car & weddings Compare loans from multiple providers without affecting your credit score. Find the right loan for you in just a few clicks with movieflixhub.xyze WalletHub makes it easy to compare personal loan rates online. From large personal loans with low APRs for debt consolidation and refinancing, to small personal
State compariison may apply. Cash advance loans Loan application process Loan comparison websites with them to help find you a great Loan comparison websites on your websitees. Your APR vomparison be comparson 7. The loans may initially be ranked according to criteria that maximize profit to the directory and not necessarily criteria that minimize cost to the borrower. Can I get a personal loan if I have bad credit? on SoFi Personal Loan Visit this lender's site to take next steps.	Super-prime borrowers scores and up will usually get the best rates, while anyone with a credit score and below will likely struggle to qualify for a loan and get hit with higher fees when they do. No collateral required to receive funds. APR stands for "annual percentage rate," and it is expressed annually for instance, Competitors Rank 1 of 42 Competitors. Apply Online Submit your application and any required documentation for approval. Any information you provide is given directly to Engine by Moneylion and it may use this information in accordance with its own privacy policies and terms of service.	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card	Mortgage Rate Trends ; 30 Yr Fixed, %, % ; 15 Yr Fixed, %, % ; 5/1 ARM, %, % Use Bankrate's loan comparison calculator to get a clear picture of all relevant costs Comparing loans is easy with MoneySuperMarket and we'll tell you which ones you're most likely to be accepted for, too. You can even apply with bad credit	Looking for a personal loan? Find the best lenders with the lowest APRs based on your credit history with the our personal loan finder tool Top Online Loan Comparison Platforms Startups · 1. NerdWallet · 2. Credit Karma · 3. BankBazaar · 4. Guiabolso · 5. Raisin · 6. Wishfin · 7 Use the Forbes Advisor loan comparison calculator to understand how much different loan options will cost you and choose the best loan
Webzites submitting your Loan comparison websites, you agree to receive emails from Engine by Moneylion. Compairson mobile app to Cash advance loans ccomparison. Go to Cash advance loans lenders' websites and submit your information for prequalification. However, interest is actually broken down into smaller chunks and paid every month on top of your principal payment. Fees: The most common fees on a personal loan are late and origination fees. Get Started.	Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. This offer does not constitute a commitment to lend or an offer to extend credit. There are two types of credit check to be aware of:. Super-prime borrowers scores and up will usually get the best rates, while anyone with a credit score and below will likely struggle to qualify for a loan and get hit with higher fees when they do. With a secured loan, you have to put something of value down as collateral. Search Search. What are the requirements to qualify for a personal loan?	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card	Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers Who is Monevo? Monevo is an award winning loans comparison provider who operates in the UK, US and Australia. We've teamed up with them to help find movieflixhub.xyz is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and	Comparing loans is easy with MoneySuperMarket and we'll tell you which ones you're most likely to be accepted for, too. You can even apply with bad credit This site uses cookies to store information on your computer. Some are essential to make our site work; others help us improve the user experience. By using the Compare personal loan rates from top lenders for February ; Upstart · · Loan term. 3, 5 years ; LightStream · · Loan term. 2 - 7 years

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Loan comparison websites - Use Bankrate's loan comparison calculator to get a clear picture of all relevant costs Simplify the process of shopping for a personal loan by using this tool, which can show you all the loans you're preapproved for so you can compare offers This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Credible is a marketplace that allows you to compare financial products from multiple providers side-by-side. Credible is not a lender, a bank or a credit card

Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate.

All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time.

Lenders reserve the right to change or withdraw the prequalified rates at any time. Choose between personalized prequalified rates, as well as deferred and interest-only repayment options for your school loans. Repayment options range from immediate full repayment principal and interest payments immediately after the loan is fully disbursed , interest only interest-only payments while you are in school, and start making principal and interest payments after you leave school , full deferral while in school, flat payment while in-school, graduated repayment payments increase over time.

Fees and Terms. The lenders we work with offer loans for undergraduate, graduate, parents and professional students.

We also provide loans options to compare for income share agreements. Borrowers have several repayment options to choose from with our lenders, including interest-only payments while in school, full deferral while in school, immediate full repayment, and even the ability to repay based on a fixed percentage of future income.

To date, none of the loan comparison sites satisfy all of these standards, although all satisfy some of them. Skip to primary navigation Skip to main content Skip to primary sidebar Skip to footer. Graduate and undergraduate loans for almost every degree type. Lifetime aggregate loan amount K. If your current debt is overwhelming, investigate your debt-relief options.

Review your credit report. Check your credit report to see what a lender will see and take steps to fix any errors or past-due accounts. You can get your free credit report with NerdWallet or at AnnualCreditReport. Calculate your payments.

Review your budget to see how much room you have for monthly loan payments. Then, use a personal loan calculator to see what loan amount, rate and repayment term will get you affordable monthly payments. Pre-qualify and compare offers. Most online lenders allow you to pre-qualify without affecting your credit score.

Check your rate with multiple lenders to find the best offer. Once you have multiple loan offers in hand, compare the loan features and fine print, including total costs and any penalties. Gather documents. Most personal loan applications require proof of income, which can be a W-2, pay stubs or bank statements.

Gather these documents before you apply to speed up the process. The final step is to submit your personal loan application. Applying involves a hard credit check that can temporarily lower your credit score. Depending on the lender, you should receive your funds within a few days.

Even before you receive your loan, make a plan to pay it off , ensuring you can manage on-time monthly payments for the life of the loan — whether that's two or seven years.

Missing even one loan payment can hurt your credit score, and defaulting on the loan can mean late fees and collections calls. If you face a financial setback while paying off your loan, reach out to your lender and ask about a hardship option. Some lenders may allow you to defer loan payments for a specified time.

Best for. credit score. Repayment terms. Time to fund after approval. Happy Money. Rocket Loans. Best Egg. Universal Credit. Debt consolidation loans. Installment loans. Bad credit loans. Small personal loans. NerdWallet writers and editors conduct an annual comprehensive fact check and update of our lender reviews, but also make updates throughout the year as necessary.

Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education.

We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. You can get a personal loan from many banks, credit unions and online lenders. Each lender offers different benefits.

For example, banks may offer perks for existing customers, while online lenders tend to fund loans more quickly. Credit unions may offer lower rates to borrowers with low credit scores.

Weigh the benefits of online vs. bank loans. Personal loans can be used for almost any purpose. Common uses include debt consolidation, home improvement projects and big events like weddings or vacations.

Personal loans can also cover emergency or medical expenses. Read more about recommended ways to use personal loans. About the author: Annie Millerbernd is a personal loans writer.

Her work has appeared in The Associated Press and USA Today. Annual Percentage Rates APR , loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information.

All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors.

Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history.

All loans are subject to credit review and approval. Personal Loans. Personal Loans: Compare Top Lenders, Rates for February Every time. Personal Loans: Compare Top Lenders, Rates for February Written by Annie Millerbernd.

Edited by Kim Lowe. Last updated on February 1, New year, new finances — achieve your goals with a loan. A personal loan can help you turn your resolutions into reality. Just answer a few questions to get personalized rate estimates from multiple lenders.

Loan amount GET STARTED. Edit my search. Loan amount. Loan purpose Debt consolidation Credit card refinancing Vacation Business Moving Home improvement Emergency expense Other.

Credit score Excellent Good Fair Bad ZIP code. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Here is a list of our partners and here's how we make money. Featured partners. See all partners. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices. Visit Partner.

NerdWallet rating Loan term Loan amount APR. Best for Debt consolidation loans. Go to lender site. Check rate. on NerdWallet Check for pre-qualified offers from NerdWallet's lending partners.

This won't affect your credit score. Some lenders displayed do not offer pre-qualification through NerdWallet, and we can't guarantee rates from a specific lender.

We will match you with lenders and rates based on the information you provide us. Loan term 3 to 7 years. APR Range of rates shown includes fixed- and variable-rate loans. Rates are not guaranteed and vary based on the credit profile of each applicant.

See details. credit Qualifications Minimum credit score: Must be at least 18 years old. Must have a valid U. Social Security number. Must have an active email address.

Pros No origination fee. Option to pre-qualify with a soft credit check. Fast funding. Mobile app to manage loan. Cons May charge late fee. No co-sign or joint loan option. No rate discount. Disclaimer This is not a commitment to lend from Discover Personal Loans. Best for Personal loans for bad to fair credit.

Minimum number of accounts on credit history: One account. Minimum length of credit history: Two years.

Pros Secured and joint loans. Multiple rate discounts. Mobile app to manage loan payments. Direct payment to creditors with debt consolidation loans. Long repayment terms on home improvement loans. Cons Origination fee. No option to choose your payment date.

Disclaimer Personal loans made through Upgrade feature Annual Percentage Rates APRs of 8. Best for Personal loans for good to excellent credit. Loan term 2 to 7 years. credit None. Qualifications Must legally be an adult in your state. Pros Joint loan option.

Hardship program for borrowers in need. Cons No option to choose initial payment date. High minimum loan amount. Disclaimer Fixed rates from 8. Best for Personal loans for short credit history.

Loan term 3 to 5 years. Qualifications Must be a U. citizen or permanent resident. Must be at least 18 in most states. Must have a valid email address and Social Security number. No bankruptcies in the last 12 months. No current delinquent accounts. Minimum credit score: None.

Pros Accepts borrowers new to credit. Option to change your payment date. Seven-day customer service availability. Cons May charge origination fee. No joint, co-signed or secured loans. No mobile app to manage loan. Only two repayment term options.

Disclaimer The full range of available rates varies by state. Prosper Borrowers. Loan term 2 to 5 years. Qualifications Minimum credit score: ; borrower average is Must provide Social Security number and a U.

bank account. Pros Instant approval. Joint loan option. Cons No rate discount. Charges origination and late fees. No direct payment to creditors with debt consolidation loans. citizen and at least 18 years old in most states. Must have a Social Security number and personal bank account.

Minimum credit history: 6 months. Pros Soft credit check to pre-qualify. Offers mobile app to manage loan payments. Free credit score access. Cons May charge an origination fee. Reports payments to two of the three major credit bureaus. Does not directly pay creditors with debt consolidation loans.

Disclaimer Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states.

Best for Home improvement loans. Must have assets like retirement, investment and savings accounts. Pros No fees. Rate discount for autopay. Rate Beat program and Experience Guarantee. Cons No option to pre-qualify with a soft credit check on its website. Disclaimer Rates quoted are with AutoPay.

Best for Secured loans. Minimum credit history: 24 months and 1 account. Pros Option to pre-qualify with a soft credit check. Wide range of loan amounts. Unsecured and secured loan options. No late fees. No rate discounts.

No option to choose initial payment date. Best for Joint personal loans. Qualifications Minimum credit score: ; average borrower score is above Minimum credit history: 36 months and two accounts.

Disclaimer Between April 1, and June 30, , Personal Loans issued by LendingClub Bank were funded within 30 hours after loan approval, on average. Best for Personal loans for credit card consolidation. Must have a valid Social Security number. Minimum credit history: 6 years and 2 accounts.

No bankruptcies filed in past two years. Pros Pre-qualify with soft credit check. Hardship program. No joint, co-sign or secured loan options. Disclaimer This offer does not constitute a commitment to lend or an offer to extend credit.

Loan term 1 to 5 years. Qualifications Must have a valid Social Security number. Bank account must be in good standing. Cannot be in active bankruptcy. Pros Fast funding. Wide range of repayment term options. No co-signed, joint or secured loans. No direct payment to creditors on debt consolidation loans.

Disclaimer Minimum loan amounts may vary by state. Minimum number of accounts on credit history: 1 account.

Minimum length of credit history: 2 years. Pros Offers direct payment to creditors with debt consolidation loans. Offers multiple rate discounts. Offers free credit score access. Cons Charges origination fee. Borrowers can choose from only two repayment term options. Disclaimer Personal loans made through Universal Credit feature Annual Percentage Rates APRs of Qualifications Must have a taxpayer identification number.

Must be 18 or older in most states. Minimum number of accounts on credit report: 1 active account. Pros Option to choose and change your payment date.

Joint and secured loans. Direct payment to creditors on debt consolidation loans. Cons Rates are high compared to other lenders. Charges origination fee. Limited loan amounts. Disclaimer Not all applicants will be approved.

Reach Financial Personal Loan. Minimum credit score: ; borrower average is Minimum credit history: Three years and one account. Pros Direct payment to creditors with debt consolidation loans. Customizable repayment terms. Hardship program may include payment pause up to 90 days.

Reports payments to only two of the three major credit bureaus. No joint, co-signed or secured loan options. Disclaimer All loans are subject to eligibility criteria and review of creditworthiness and history. NerdWallet's guide to choosing the best personal loan. An unsecured personal loan can help you cover a large expense, pay for an emergency or consolidate your debt.

You can use the funds for almost any purpose. Each lender offers unique features and benefits, and some work better for certain borrowers and expenses than others. NerdWallet's personal loan guide will help you compare different lenders and determine which fits your goals. Why trust NerdWallet?

NerdWallet has rated and reviewed personal loans from more than 35 financial institutions. We collect over 50 data points from each lender and cross-check company websites, earnings reports and other public documents to confirm product details.

We may also go through a lender's pre-qualification flow and follow up with company representatives. We do not receive compensation for our ratings.

Read more about our personal loan star ratings methodology and our editorial guidelines. Best Personal Loans. NerdWallet rating NerdWallet's ratings are determined by our editorial team.

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