Comparing 23 offers. Updated June 2, 2026.
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.
Avant offers personal loans designed for fair-credit borrowers, with fast funding and a streamlined mobile-first application process.
OneMain Financial offers secured and unsecured personal loans up to $20,000, accepting bad credit and even no credit history.
Prosper is America's first peer-to-peer lender, offering personal loans up to $50,000 funded by individual and institutional investors.
Happy Money (formerly Payoff) focuses exclusively on credit card debt consolidation with fixed-rate personal loans up to $40,000.
Achieve (formerly FreedomPlus) offers personal loans with rate discounts for using a co-borrower, securing the loan, or paying down debt directly.
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.
U.S. Bank offers unsecured personal loans up to $50,000 with no origination fees for both existing customers and new applicants in eligible states.
PenFed Credit Union offers competitive personal loans starting at $600 with no origination fee, open membership for all US residents.
Truist Bank, formed by the merger of BB&T and SunTrust, offers personal loans with no origination fees and a 0.25% autopay discount.
PNC Bank offers unsecured personal loans and lines of credit with no application fees and rate discounts for existing customers with qualifying deposit accounts.
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.
OppLoans is a fintech offering installment loans to consumers with no or poor credit, with rates lower than payday loans but still triple-digit APR.
Mariner Finance is a regional consumer lender with 480+ branches across 27 states, offering personal loans, secured loans, and auto loans for fair credit borrowers.
Universal Credit, a brand of Upgrade, offers personal loans designed for fair credit borrowers with credit-builder tools and direct creditor payments.
A personal loan is an unsecured loan you can use for almost any purpose. Debt consolidation, home renovations, medical bills, weddings, or moving costs are common uses. In the United States personal loans come from banks, credit unions, and online lenders.
Top online lenders include SoFi, LightStream, Marcus by Goldman Sachs, Discover, LendingClub, Upstart, Upgrade, and Best Egg. APRs typically range from 6.99% for prime borrowers to 35.99% for fair credit.
Most lenders require a FICO score of 660 or higher, verifiable income, and US residency. Non-prime lenders like Avant and OneMain accept scores as low as 580.
Personal loans in the US can be used for almost any legitimate purpose, including debt consolidation, home improvement, medical expenses, weddings, vacations, or emergency costs.
Most US lenders require a FICO score of 660 or higher for their best APRs. Borrowers with scores from 580 to 659 can still qualify with fair-credit lenders such as Upstart, Avant, Upgrade, and OneMain Financial, but should expect APRs of 18 to 36 percent.
Online lenders like SoFi, Discover, and Upstart can fund approved loans the same business day or the next business day. Bank loans usually take 3 to 7 business days. OneMain Financial offers same-day funding at any of its 1,300+ US branches.
Pre-qualifying with a soft credit pull does not affect your score. A full application with a hard pull lowers your FICO by about 5 points for up to 12 months. Use the pre-qualification step at multiple lenders before submitting a hard-pull application.
Most states cap consumer personal loan APRs at 36 percent for licensed lenders. Some online lenders such as OppLoans operate as bank partners and charge higher APRs of 100 to 195 percent in states where these arrangements are permitted.