01
Upstart
AI-powered lending platform that looks beyond credit score — evaluating education and employment history to approve borrowers traditional lenders reject, helping younger borrowers access fair loans.
▲ Steady·Score +17
Personal Loans
Best Personal Loan Lenders for Debt Consolidation and Major Purchases
Compare the top personal loan providers offering competitive rates, fast approval, and flexible terms for debt consolidation, home improvement, or any major life expense.
Pick your favorites · Every vote moves the ranking · Results update live
02
Discover Personal Loans
No origination fees, competitive fixed rates, 30-day return guarantee if you change your mind, and flexible loan terms from 36-84 months with strong customer service from a trusted banking brand.
▲ Steady·Score +17
03
Prosper Peer-to-Peer Lending
One of the original P2P platforms connecting borrowers directly to individual investors — particularly strong for debt consolidation with competitive rates for borrowers with good credit profiles.
▲ Steady·Score +16
04
LightStream (by Truist)
The best rates for borrowers with excellent credit — LightStream offers as low as 6.99% APR, no fees, same-day funding, and a Rate Beat program guaranteeing to beat competitors by 0.10 percentage points.
▲ Steady·Score +15
05
PenFed Credit Union
Nationwide credit union membership available to anyone offering competitive personal loan rates, flexible terms, and the community-focused service model that distinguishes credit unions from commercial lenders.
▲ Steady·Score +14
06
Marcus by Goldman Sachs
No fees ever (no origination, prepayment, or late fees), competitive rates, on-time payment reward of one deferred payment, and up to $40,000 available with straightforward online application.
▲ Steady·Score +11
07
Local Credit Unions (Best for Personalized Service)
Your local credit union often offers the best personal loan rates for members — member-owned cooperatives prioritize member benefit over profit, frequently offering lower rates than any online lender.
▲ Steady·Score +10
08
Avant Personal Loans
Specifically designed for fair-to-average credit borrowers (580-700 score range) — Avant's risk-based pricing provides access to credit for those between prime and subprime traditional lending categories.
▲ Steady·Score +6
09
Upgrade Personal Loans
Accepts fair credit borrowers with credit scores above 560, offers debt consolidation tools with direct creditor payments, and provides credit monitoring to help borrowers improve their financial health.
▲ Steady·Score +6
10
Navy Federal Credit Union
For military members and their families — Navy Federal offers some of the lowest personal loan rates available, excellent member service, and unique financial products unavailable at commercial banks.
▲ Steady·Score +4
11
SoFi Personal Loans
No origination fees, competitive APRs starting around 8%, loan amounts up to $100,000, unemployment protection, and member benefits including financial advising make SoFi the top premium personal loan choice.
▲ Steady·Score +4
12
Best Egg Personal Loans
Fast funding (as quickly as next business day), accepts borrowers with fair credit, and offers secured personal loan options using vehicle title for better rates — particularly good for debt consolidation.
▲ Steady·Score +3
Predict the rank
“Upstart”
Currently ranked #1. Where will it be in 7 days?