Guide & Insights
Compare the best personal loans available for general expenses, major purchases, or unexpected emergency costs in the United States.
SoFi Personal Loans
High-limit personal loans with $0 fees for creditworthy employees and business owners.
- ✓ $0 Origination fee
- ✓ Up to $100,000 limit
- ✓ Unemployment protection program
- • Requires minimum credit score of 680
Upstart AI Personal Loan
AI model evaluates education, job history, and household income beyond credit score alone.
- ✓ No minimum credit score requirement
- ✓ Great approval rates for students/homemakers
- ✓ Fast funding
- • Origination fees vary by credit tier
Marcus Personal Loans
Goldman Sachs fixed-rate personal loans with no origination, late, or prepayment fees.
- ✓ $0 Late fees & $0 origination fees
- ✓ On-time payment reward option
- ✓ Low starting APR
- • Maximum loan limit capped at $40,000
Best Egg Personal Loans
Fast online application with rate-reduction options through secured homeowner loans.
- ✓ Rapid online approval process
- ✓ Excellent for self-employed applicants
- ✓ Soft check available
- • Origination fee required
Avant Personal Loan
Accessible personal loan option for freelancers and borrowers with fair credit histories.
- ✓ Accepts 580+ credit score
- ✓ Next-day funding available
- ✓ Easy mobile management
- • Administrative fee applies
Rocket Loans Personal Loan
Automated online underwriting engine supporting same-day direct deposit.
- ✓ Same-day funding capability
- ✓ 100% digital process
- ✓ Self-employed friendly
- • Origination fee charged
Universal Credit Personal Loan
Designed specifically for freelancers, homemakers, and borrowers with low credit scores.
- ✓ Approves 560+ credit score
- ✓ Free credit monitoring tools
- ✓ Relaxed income proof
- • Higher APR range
LendingPoint Personal Loan
Customized financing options tailored for near-prime borrowers and independent contractors.
- ✓ Next-day funding
- ✓ Accepts 600+ score
- ✓ Simple documentation
- • Origination fee varies
Figure Personal Line of Credit
Revolving personal line of credit allowing you to draw and repay funds whenever needed.
- ✓ Flexible draw limits
- ✓ Competitive APR
- ✓ Self-employed eligible
- • Hard credit pull on draw
OneMain Financial Personal Loan
Accessible secured/unsecured loans using household income or vehicle collateral.
- ✓ No minimum credit score
- ✓ High approval for homemakers
- ✓ In-person branch support
- • High minimum APR (18.00%)
Oportun Personal Loan
Credit-building personal loan designed for immigrants, homemakers, and limited credit profiles.
- ✓ No credit history required
- ✓ Helps build US credit score
- ✓ Fast disbursement
- • Small max loan limit ($10,000)
Wells Fargo Personal Loan
High-limit personal loans featuring relationship rate discounts for existing Wells Fargo customers.
- ✓ Up to $100,000 limit
- ✓ $0 Origination fee
- ✓ Relationship rate discounts
- • Best for existing account holders
American Express Personal Loan
Low competitive APR personal loans offered exclusively to pre-approved American Express cardmembers.
- ✓ Low starting APR of 6.90%
- ✓ $0 Fees
- ✓ Quick 1-click application
- • Exclusive to Amex cardholders
PNC Bank Personal Loan
PNC personal loans featuring autopay interest rate discounts and flexible terms.
- ✓ Autopay discount available
- ✓ $0 Prepayment penalty
- ✓ Self-employed accepted
- • Requires 660+ credit score
U.S. Bank Personal Loan
Predictable monthly payments and flexible repayment terms from U.S. Bank.
- ✓ $0 Origination fee
- ✓ Terms up to 7 years
- ✓ Self-employed accepted
- • Lower limits for non-customers
Chase Customer Personal Loan
Instant-deposit fixed-rate personal loans for existing Chase deposit customers.
- ✓ Instant deposit available
- ✓ $0 Origination fee
- ✓ Chase app integration
- • Targeted to existing Chase clients
Bank of America Personal Loan
Fee-free personal loans with interest rate discounts for BofA Preferred Rewards members.
- ✓ Preferred rewards rate discount
- ✓ $0 Origination fee
- ✓ Business owner friendly
- • BofA account required
Capital One Personal Loan
Transparent fixed rates and digital online application with zero hidden fees.
- ✓ $0 Hidden fees
- ✓ Fast mobile application
- ✓ Self-employed eligible
- • Capped at $40,000 max limit
TD Bank Personal Loan
Unsecured personal loans with fast decisions tailored for East Coast residents.
- ✓ $0 Origination fee
- ✓ Quick approval decision
- ✓ Predictable monthly payment
- • Primarily serves East Coast footprints
Truist Personal Loan
Personal loans from Truist featuring autopay rate discounts and full online support.
- ✓ Autopay rate discount
- ✓ $0 Origination fee
- ✓ Branch & online support
- • Requires 660+ credit score
Citizens Bank Personal Loan
Fee-free personal loans from Citizens Bank with long term options up to 7 years.
- ✓ $0 Origination fee
- ✓ Long repayment terms available
- ✓ Autopay discount
- • 680+ credit score recommended
KeyBank Personal Loan
Unsecured personal loans tailored for Midwest and Northwest residents.
- ✓ Flexible term options
- ✓ $0 Origination fee
- ✓ Self-employed eligible
- • Best within KeyBank footprint
Fifth Third Personal Loan
Fixed-rate personal loans with $0 annual fees and fast online application.
- ✓ $0 Annual or origination fees
- ✓ Fast online review
- ✓ Easy income verification
- • Requires 660+ credit score
Huntington Bank Personal Loan
Transparent personal financing with clear repayment terms and no hidden fees.
- ✓ Transparent fixed rates
- ✓ $0 Origination fee
- ✓ Business owner friendly
- • Midwest footprint focus
Regions Bank Personal Loan
Personal loans serving South and Midwest residents with relationship discounts.
- ✓ Account holder rate discount
- ✓ $0 Origination fee
- ✓ Self-employed eligible
- • Regional branch footprint
BMO Personal Loan
Fixed-rate loan allowing penalty-free early principal payoffs at any time.
- ✓ $0 Prepayment penalty
- ✓ Fixed monthly payments
- ✓ Freelancers accepted
- • Capped at $35,000 max limit
Ally Bank Personal Loan
End-to-end digital personal loans processed seamlessly via mobile app.
- ✓ 100% Mobile application
- ✓ $0 Origination fee
- ✓ Self-employed documentation supported
- • Requires 670+ credit score
Flagstar Bank Personal Loan
Custom repayment schedules and fast pre-qualification options.
- ✓ Flexible term options
- ✓ $0 Fees
- ✓ Freelancers accepted
- • Regional branch network
Santander Bank Personal Loan
Unsecured fixed-rate personal loans with $0 origination fees for Northeast residents.
- ✓ No collateral required
- ✓ $0 Origination fee
- ✓ Autopay rate discount
- • Exclusive to Northeast state residents
Synchrony Personal Loan
Pre-qualified personal loan options from one of America's largest retail financial firms.
- ✓ Soft check pre-qualification
- ✓ Simple income proof
- ✓ Self-employed eligible
- • Capped at $40,000 max limit
Barclays US Personal Loan
Low-rate unsecured personal loans for invited Barclays cardholders and customers.
- ✓ Low interest rates
- ✓ $0 Fees
- ✓ Fixed monthly payments
- • Invitation-only access
USAA Personal Loan
Exclusive low-rate personal loans for military members, veterans, and their families.
- ✓ Military family rate perk
- ✓ Up to 7-year terms
- ✓ $0 Origination fee
- • USAA membership required
Navy Federal Personal Loan
Low-rate loans capped at 18.00% APR for armed forces, veterans, and family members.
- ✓ Legal interest rate cap of 18.00%
- ✓ $0 Fees
- ✓ Repayment up to 15 years
- • Military/family membership required
Alliant CU Personal Loan
100% digital credit union application adhering to the federal 18.00% APR cap.
- ✓ Interest rate cap of 18.00%
- ✓ End-to-end online process
- ✓ $0 Origination fee
- • Membership signup required
First Tech CU Personal Loan
Discounted rate personal loans for tech sector employees and nationwide members.
- ✓ Low starting interest rate
- ✓ $0 Origination fee
- ✓ Freelancers accepted
- • Credit union membership required
Bethpage FCU Personal Loan
Low-rate personal loans with no origination fees, open to members nationwide.
- ✓ APR capped under 18.00%
- ✓ $0 Origination fee
- ✓ Longer repayment options
- • Membership application required
SchoolsFirst CU Personal Loan
Low interest rates tailored for teachers, school employees, and their families.
- ✓ Special educator rate perk
- ✓ $0 Fees
- ✓ Homemakers/family eligible
- • Education sector eligibility
Golden 1 CU Personal Loan
Discounted credit union loans for California residents, self-employed, and freelancers.
- ✓ High approval rate for CA residents
- ✓ $0 Origination fee
- ✓ Household income accepted
- • CA residency/membership needed
America First CU Loan
Competitive unsecured loans from a leading Western credit union.
- ✓ Low APR cap
- ✓ $0 Origination fee
- ✓ Easy self-employed proof
- • Membership required
Mountain America CU Loan
Fast online processing and competitive rates for Western region members.
- ✓ $0 Origination fee
- ✓ Quick underwriting
- ✓ Homemakers/freelancers accepted
- • Membership application required
BECU Personal Loan
Non-profit credit union offering low rates and $0 fees for Washington state & nationwide members.
- ✓ Non-profit competitive rates
- ✓ $0 Fees
- ✓ Self-employed friendly
- • Membership criteria apply
Panacea Doctor & Medical Loan
Specialized financing built by doctors for medical students, residents, and physicians.
- ✓ High limit approval for residents
- ✓ $0 Origination fee
- ✓ No cosigner required
- • Medical credential verification needed
Laurel Road Medical & Personal Loan
High-limit low-rate financing options tailored for nurses, doctors, and healthcare professionals.
- ✓ Rate discounts for healthcare pros
- ✓ $0 Origination fee
- ✓ High borrowing limits
- • Healthcare profession proof required
OppLoans Fast Personal Loan
Emergency micro-loans for borrowers with poor credit or urgent financial needs.
- ✓ No minimum credit score
- ✓ Same-day to next-day deposit
- ✓ Reports to credit bureaus to build credit
- • High APR range
NetCredit Personal Loan
Online personal loans designed for low credit scores, freelancers, and homemakers unable to qualify at banks.
- ✓ Approves 500+ credit scores
- ✓ Credit builder features
- ✓ Fast funding
- • Higher interest rates
DCU Federal Credit Union Personal Loan
Large nationwide credit union offering low rates capped below the 18.00% federal limit.
- ✓ Low rate cap under 18.00%
- ✓ $0 Fees
- ✓ Self-employed proof accepted
- • Credit union membership required
First Citizens Bank Personal Loan
Mid-sized bank personal loan offering stable fixed rates and tailored repayment schedules.
- ✓ $0 Fees
- ✓ Autopay rate discount
- ✓ Freelancers accepted
- • Branch network footprint focus
Bread Financial Personal Loan
Unsecured personal loans disbursed rapidly through mobile and digital online processing.
- ✓ Fast digital application
- ✓ Streamlined income proof
- ✓ Next-day deposit
- • Origination fee may apply
First Horizon Personal Loan
Fixed-rate personal loans serving residents across the Southeastern United States.
- ✓ $0 Prepayment penalty
- ✓ $0 Origination fee
- ✓ Self-employed eligible
- • Primarily serves SE region
BHG Financial Professional Loan
High-limit loans up to $200,000 designed for doctors, attorneys, and business owners.
- ✓ High limit up to $200,000
- ✓ Terms up to 10 years
- ✓ Minimal impact on personal credit
- • Higher minimum income required
Synovus Personal Loan
Fee-free fixed-rate personal loans serving Georgia, Florida, and Alabama residents.
- ✓ $0 Origination fee
- ✓ Predictable fixed monthly payment
- ✓ Business owners accepted
- • Regional state restriction
VyStar Credit Union Personal Loan
Competitive credit union loan adhering to the 18.00% rate cap for Florida members.
- ✓ Rate cap under 18.00%
- ✓ $0 Fees
- ✓ Household income accepted
- • Membership signup required
Comerica Bank Personal Loan
Unsecured fixed loans serving Texas, Michigan, and California residents.
- ✓ No collateral required
- ✓ $0 Fees
- ✓ Self-employed eligible
- • 670+ credit score recommended
Possible Finance Small Loan
Micro-loan installment platform allowing you to borrow up to $500 and repay over 8 weeks.
- ✓ No credit check required
- ✓ Helps build credit score
- ✓ Instant mobile funding
- • Capped at $500 max limit
Zions Bank Personal Loan
Major Western regional bank offering fixed personal loans in Utah, Arizona, and Nevada.
- ✓ $0 Origination fee
- ✓ Self-employed accepted
- ✓ Fixed monthly payment
- • Western state footprint focus
Suncoast Credit Union Personal Loan
Low-rate credit union personal loans featuring $0 fee policies for members.
- ✓ Starting APR as low as 7.49%
- ✓ $0 Fees
- ✓ Household income accepted
- • Membership qualification required
Old National Bank Personal Loan
Stable $0-fee fixed-rate personal loans serving Midwestern residents.
- ✓ $0 Origination fee
- ✓ Predictable monthly payments
- ✓ Freelancers accepted
- • Midwest state footprint
Webster Bank Personal Loan
Personal loans with soft-check pre-qualification for Northeast US residents.
- ✓ Soft check pre-qualification
- ✓ $0 Origination fee
- ✓ Self-employed friendly
- • Northeast regional focus
Star One Credit Union Loan
Low-rate credit union loans serving tech workers and nationwide members.
- ✓ Ultra-low rate cap (17.50%)
- ✓ $0 Fees
- ✓ Tech/freelancers accepted
- • Membership qualification needed
Popular Bank Personal Loan
Unsecured personal loans with multilingual customer support in metro areas like NY and FL.
- ✓ $0 Fees
- ✓ Multilingual support
- ✓ Self-employed eligible
- • Branch network footprint
SDCCU Personal Loan
Fast approval low-rate credit union personal loans for Southern California residents.
- ✓ Low rate cap
- ✓ $0 Origination fee
- ✓ Household income accepted
- • SoCal residency/membership
PSECU Personal Loan
Discounted rate personal loans for Pennsylvania state employees, residents, and families.
- ✓ Low APR cap
- ✓ $0 Fees
- ✓ Joint applications supported
- • Membership qualification required
SeedFi Borrow & Grow Loan
Hybrid loan providing immediate cash while placing a portion in savings to build credit.
- ✓ Approves low credit (520+)
- ✓ Builds credit history
- ✓ Easy income verification
- • Partial funds placed in locked savings