Best Personal Loans in 2026: Compare Your Options
- Loans from $100 to $50,000
- Checking your options doesn't cost anything
- Options for good, fair and poor credit
- Funds as soon as the next business day if approved
- Loans up to $50,000
- No fee to submit a request
- Lenders show the rate and fees before you accept
- Funds can arrive the next business day if approved
- No obligation to take any offer
- Compare offers from many lenders at once
- Good for debt consolidation and home projects
- See rates side by side before you pick
- Built for fair to excellent credit
- Loans from $1,000 to $50,000
- Fixed rate, so the payment never changes
- APR from 7.99% to 35.99%
- Origination fee of 1.85% to 9.99%
- Usually needs a credit score of 600+
- Personalized offers from several lenders
- Good for consolidating card debt
- Compare before you commit
- No obligation to accept
- Fully online application
- Fixed-rate personal loans
- Common uses: paying off cards, home repairs
- Built for fair to excellent credit
- Borrow as little as $100
- Five-minute online form
- Connects you with lenders in its network
- Money as soon as the next day if approved
- Loans from $100 to $35,000
- One request reaches many lenders
- Quick online form
- Must be 18+
- Loans from $100 to $45,000
- Lenders that consider fair or poor credit
- One short online form
- Must be 18+
How to pick
- Good credit (690+)? Compare marketplaces first: more lenders competing means a lower rate.
- Fair or poor credit? Start with a lender network that works with lower scores.
- Only need a few hundred dollars? Pick a small-loan option and borrow only what you need.
- Always compare the APR, not just the monthly payment.
Frequently asked questions
How we chose these options
NetWorthy is an independent personal-finance site. We compared each lender and marketplace on what matters to borrowers, using their published terms:
- Loan amounts
- Rates and fees, where published
- Credit needed
- How fast funds can arrive
- Where the service is available
We earn a commission from some partners when you click through or apply. That never costs you more, and the "Best for" labels are based on who each service is built for.
What is a personal loan?
A personal loan is money you borrow in one lump sum and pay back in fixed monthly payments over a set term, usually one to seven years.
Most personal loans are unsecured, so you don't put up your house or car. The lender sets your rate based on your credit, income and debts.
Will checking my options hurt my credit?
Many lenders and marketplaces start with a soft credit check, which doesn't affect your score. A hard check usually happens only when you accept an offer and formally apply. Each lender's page tells you which kind it uses.
What APR should I expect?
Rates depend on your credit, income and the lender. The best rates go to borrowers with strong credit and steady income. As an example, Upgrade publishes APRs from 7.99% to 35.99%.
The APR includes fees, so it's the best number to compare between offers.
Can I get a personal loan with bad credit?
Yes, some lenders work with fair or poor credit, but the rate will be higher. Borrow only what you need, and compare at least two offers before you accept.
How fast can I get the money?
If you're approved, many lenders fund the next business day. Some take two to five days.
Is there a fee to check?
No. Checking your options is free. Some lenders charge an origination fee taken out of the loan, which is included in the APR.
What do I need to apply?
Usually a US address, a bank account, proof of income and an ID. You must be 18 or older.
Representative example: a $10,000 loan repaid over 36 months at 17.99% APR has 36 monthly payments of $361.47, for a total of $13,013.06. Your rate and payment depend on your credit and the lender.
Loan terms run from 61 days to 84 months depending on the lender. Maximum APR shown on this page is 35.99%. NetWorthy is not a lender, does not make credit decisions and does not broker loans. Lenders set their own rates, fees and terms and must show you the APR before you accept. Not all applicants are approved. Availability varies by state.