Best Personal Loan Rates
APRs starting at 0.00%
Compare rates from 0 trusted lenders
Updated Saturday, November 29, 2025
Find Your Best Personal Loan Rate
All Personal Loan Rates
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What is a Personal Loan?
A personal loan is an unsecured loan that provides a lump sum of money for virtually any purpose. Unlike mortgages or auto loans, personal loans don't require collateral.
- Fixed rates: Monthly payments stay the same
- No collateral: Your assets aren't at risk
- Fast funding: Get money in 1-5 business days
- Flexible use: Use for any legitimate purpose
How to Get the Best Rate
- Check your credit: Higher scores = better rates
- Compare offers: Shop around for the best APR
- Lower debt-to-income: Pay down existing debts
- Consider autopay: Many lenders offer discounts
- Add a cosigner: Someone with good credit can help
Common Uses for Personal Loans
Debt Consolidation
Combine multiple high-interest debts into one loan with a lower rate. Simplify payments and save money.
Home Improvement
Fund renovations, repairs, or upgrades. Faster than home equity loans with similar rates for excellent credit.
Emergency Expenses
Cover unexpected medical bills, car repairs, or urgent home fixes with fast funding and predictable payments.
Rate Disclosure
Rates shown are based on a loan amount of $10,000 with a credit score of 740 or higher. Your actual APR may differ based on your credit profile, income, loan amount, loan term, and lender requirements. Rates updated daily and subject to change without notice. Not all applicants will qualify for the lowest rates.