Personal Loans Comparison
Find the best personal loan rates from SoFi, LightStream, Upgrade, Prosper, and Best Egg. Side-by-side comparison with real 2026 APR data and expert guidance.
How Personal Loans Work
Check Your Credit
Review your credit report at AnnualCreditReport.com and get a free score estimate. Better credit = better rates.
Compare Lenders
Get pre-approved quotes from multiple lenders. This shows your exact rate and monthly payment without affecting your credit score.
Choose Loan Amount & Term
Select how much to borrow and your repayment timeline. Shorter terms save on interest; longer terms mean lower monthly payments.
Complete Application
Provide income verification and submit full application. Funds typically arrive within 1-5 business days after approval.
Top Personal Loan Lenders
Detailed comparison of rates, terms, and features across leading personal loan providers.
| Feature | SoFi | LightStream | Upgrade | Prosper | Best Egg |
|---|---|---|---|---|---|
| APR Range | 5.99% - 22.79% | 5.29% - 20.15%Best | 6.98% - 35.99% | 6.99% - 35.99% | 6.99% - 29.99% |
| Loan Terms | 2 - 7 years | 2 - 7 years | 3 - 7 years | 3 - 5 years | 3 - 12 years |
| Loan Amount | $5,000 to $405,000Best | $5,000 to $100,000 | $1,000 to $50,000 | $2,000 to $40,000 | $2,000 to $50,000 |
| Rate Type | Variable/Fixed | Variable/Fixed | Fixed | Fixed | Fixed |
| Key Features | • No origination fee • Rate discount for members • Job loss protection | • No origination fee • Money-back guarantee • No prepayment penalty | • Credit increase available • UpgradeRewards program • Same-day funding | • Peer-to-peer lending • Fast funding • No prepayment penalties | • Flexible terms up to 12 years • No origination fees • Hardship assistance |
Who Should Consider a Personal Loan
Consolidate High-Interest Debt
If you have credit card debt at 18-24% APR, a personal loan at 6-10% APR could save thousands in interest and simplify payments.
Cover Large Expenses
Home improvements, medical expenses, or major purchases can be funded at lower rates than credit cards, with predictable monthly payments.
Fixed-Rate Certainty
Most personal loans have fixed rates, so your payment never changes. This makes budgeting easier compared to variable-rate options.
Faster Approval Than Home Loans
Personal loans are faster to qualify for and fund than mortgages or home equity loans, often within days.
What to Look For When Comparing Lenders
APR Range
Compare the actual APR, not just the base interest rate. The APR includes all fees and costs.
Loan Amount & Terms
Ensure the lender offers the amount you need and flexibility in repayment terms (typically 2-7 years).
Fees & Penalties
Look for lenders with no origination fees, no application fees, and no prepayment penalties.
Funding Speed
If you need funds quickly, choose a lender that can fund within 1-2 business days.
Personal Loan Market Snapshot
42.5M
Americans have active personal loans
$15,200
Average personal loan amount
60 months
Most common repayment term
5.2%
Average APR (prime borrowers)
Frequently Asked Questions
500+ Opportunities
500+ Opportunities
Updated Daily
Updated Daily
100% Free Tools
100% Free Tools
$80B+ Unclaimed
$80B+ Unclaimed
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
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Know Your Credit Score Before Applying
Check your credit score for free before you apply for a personal loan. Get better rates with a higher score.