Compare loans from all major US banks and lenders. Find the lowest APR with no obligations. Free, fast, and unbiased.
Compare leading personal loan providers in the United States
SoFi is a leading online lender offering personal loans up to $100,000 with no fees, fast funding, and member perks like unemployment protection.
LightStream is the online lending division of Truist Bank offering unsecured personal loans up to $100,000 with some of the lowest APRs in the US market.
Marcus by Goldman Sachs offers no-fee personal loans with fixed rates, on-time payment rewards, and the backing of one of Wall Street's most trusted names.
Discover offers fixed-rate personal loans with no origination fees, 30-day money-back guarantee, and direct payment to creditors for debt consolidation.
Upstart uses AI to look beyond the credit score, approving borrowers other lenders reject and offering loans from $1,000 to $50,000.
Upgrade offers personal loans from $1,000 to $50,000 with flexible terms up to 7 years and accepts joint applicants and co-signers.
Best Egg specializes in fast, fixed-rate personal loans up to $50,000 with the option to use a vehicle as collateral for lower rates.
LendingClub is one of America's largest personal lenders, offering loans up to $40,000 with joint application options and direct creditor payments.
OneMain Financial offers secured and unsecured personal loans up to $20,000, accepting bad credit and even no credit history.
Earnest offers low-rate private student loans and student loan refinancing with flexible terms and a 9-month grace period after graduation.
Sallie Mae is the largest US private student lender, offering loans for undergraduate, graduate, K-12, and career training with multiple repayment options.
Capital One Auto Navigator offers fast online auto loan pre-qualification with no impact on credit and financing for new, used, and refinanced vehicles.
Figure offers fast online HELOCs with funding in as little as 5 days, leveraging blockchain technology for transparent terms and competitive rates.
Bluevine provides fast business lines of credit up to $250,000 with same-day approval, focused on small businesses with 2+ years in operation.
Rocket Loans, part of the Rocket Companies family, offers fast online personal loans up to $45,000 with same-day funding for qualified borrowers.
Wells Fargo offers unsecured personal loans up to $100,000 with no origination fees and rate discounts for existing customers with qualifying accounts.
PenFed Credit Union offers competitive personal loans starting at $600 with no origination fee, open membership for all US residents.
Citizens Bank offers no-fee personal loans up to $50,000 plus one of the most popular student loan refinance programs in the US through Citizens Student Loans.
College Ave is a dedicated private student lender offering undergraduate, graduate, parent, and refinancing loans with 3-minute pre-approval and customizable terms.
Find the right loan for your specific needs
Three simple steps to find your best loan
Enter your desired loan amount and repayment term. Our comparison tool will show you all matching offers from US lenders.
Compare APR, monthly payments, and terms from all lenders. All information is transparent with no hidden costs.
Once you choose the best offer, you'll be redirected to the lender's website to complete your application. The entire process takes about 10 minutes.
Estimate your monthly payment and the total cost of a loan before you apply
This is an estimate for illustration only. Your actual APR, payment, and fees depend on the lender and your credit profile. LemonyLoans.com is not a lender.
Expert advice on loans, credit scores, and personal finance in the United States
Realistic options for borrowing with bad credit in the US, how to boost approval odds, and red flags that signal a predatory lender.
A clear US guide to loan eligibility: how lenders use DTI, income, and credit to set your borrowing limit, plus a worked example.
Compare personal loans, balance transfers, HELOCs, and debt management plans, and learn when consolidating US debt actually saves money.
An independent, transparent comparison service built for US borrowers
We are not a lender. We compare offers from many US lenders using the same criteria, so you see a fair picture rather than a single bank's pitch.
Our ratings are based on APR, fees, terms, and eligibility. Sponsored links are clearly marked "ad". Read exactly how we rate lenders.
Comparing is free and requires no personal data. We never ask for your Social Security Number or bank details — applications go directly to the lender.
Our editorial team explains borrowing in clear terms, referencing trusted sources like the CFPB and the Truth in Lending Act, not sales jargon.
Everything you need to know about comparing and applying for loans
A personal loan is one of the most common ways to finance major purchases, unexpected expenses, or consolidate debt. The US market offers personal loans from online lenders, banks, and credit unions including SoFi, LightStream, Marcus by Goldman Sachs, Discover, LendingClub, and AI-driven lenders like Upstart and Upgrade.
When comparing loans, the most important parameter is the Annual Percentage Rate (APR), which includes all loan costs – interest rate, origination fees, and insurance. Only the APR allows you to make a true comparison of the cost of different loans.
At LemonyLoans.com, we've gathered and organized offers from all major lenders in the United States to help you find the best loan in the shortest time possible. Comparison is free and without obligation.