Best Personal Loans


Quick and Easy. These are the best unsecured personal loan offers for 2020.

Get Startedon Credible’s Secure Site
  • Loan Amounts$1k – $100k
  • APR Range4.99% – 35.99%
  • Credit ImpactNo impact to your credit score for checking
Get Startedon Even Financial’s Secure Site
  • Loan Amounts$1k – $100k
  • APR Range3.84% – 35.99%
  • Credit ImpactNo impact to your credit score for applying


  • Click “Get Started” to to compare find the right loan for you on Even Financial’s secure site
  • Even Financial matches you with top-rated online personal loans with absolutely no charge to you
  • APR from 3.84%
  • Great for borrowers with Poor/Fair/Good/Excellent credit
  • Loan Term: 24-48 months
  • Safe and easy way to compare multiple personal loan offers
  • No impact to your credit score for applying

Small Loans for Bad Credit

Get Startedon OppLoans’ Secure Site
  • Loan Amounts$500 – $4,000
  • Credit RecommendedBad/Poor
  • Credit CheckApplying does NOT affect your FICO® credit score!


  • No prepayment fees
  • Terms 6 – 24 months
  • 3 to 5 year repayment terms
  • Upon approval, funds as early as the next business day
  • Reports payment history to all 3 credit bureaus

Typical Personal Loan Process

Finding Your Rate

In order to find your personal loan rate, you’ll need to submit some basic information about yourself.

What You’ll Need

You’ll probably have to answer questions about your income and what you’ll use your loan funds for.

Getting Your Funds

The best part about online loans is that funds are directly deposited into your checking account, typically in 1 day.

What Are Personal Loans?

Personal loans, often called “unsecured personal loans,” are loans that are issued to individuals based on their creditworthiness. One of the best things about personal loans is that there is no collateral involved. You don’t have to use your house, car, or any other asset to receive a personal loan.

We spent 200+ hours searching for the best personal loans of 2019, because not all personal loans are made equal. Many shady online lenders have high variable rates and lots of hidden fees. None of the lenders on this page have hidden fees, and all are highly rated and respected.

What Can I use Personal Loans For?

Personal loans can be used for almost anything! Some of the most popular uses include:

  • Credit card debt consolidation
  • Home improvements and renovations
  • Pay for a wedding
  • New boat, RV, or other item that typically doesn’t have financing
  • Medical bills

According to research by Finder, roughly 83.5 million Americans have personal loans, with the most common use being credit card debt consolidation. Typically, credit cards can have APRs above 35%. Personal loans, on the other hand, typically have APRs around 7% to 30%.

Many Americans would rather pay 7% annually to borrow money, and use this borrowed money to pay off their higher interest debts, like credit cards.

Personal Loan Myths

One of the most common misconceptions about personal loans is that they somehow negatively effect your credit score.

For most cases, this is not true. There’s often no impact on your personal credit score to see if you qualify for a personal loan. Learn more about today’s the best personal loans. And once you receive your personal loan funds, and you begin to make timely monthly repayments, your credit score can actually improve.

The only way a loan can harm your credit score is if you fail to make your payments.

What is OptionsBro? is an online financial information site dedicated to providing simple tutorials, reviews, and comparisons on all things finance.

Collectively, we’ve spent thousands of hours examining the most popular financial products and tools. Bottom line, we simplify and explain the myriad of consumer financial options available today, so you can make decisions with ease.

Updated: April 1, 2019

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary. LendingClub’s physical address is: LendingClub, 595 Market Street, Suite 200, San Francisco, CA 94105. IMPORTANT LENDINGTREE DISCLOSURE: LendingTree NMLS #1136 is NOT a direct lender. Rates, APRs, Monthly Payment Amounts, Fees, Points, and Origination data shown in the LendingTree LoanExplorer℠, NMLS#1136, rate table are examples only and do not take into consideration taxes or insurance. If you choose an ARM, your payment will likely increase at the stated interval.
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