The right personal loan can be the cheapest money you'll ever borrow — the wrong one the most expensive. We ranked these lenders on APR and total cost, fees, eligibility and funding speed, and repayment flexibility.
APR ranges shown as of October 2026 and change often — your actual rate depends on credit, income and loan terms. Always confirm current terms on the lender's site before applying.
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Every lender gets a score from 0 to 5. Our analysts weigh:
Partners who compensate us cannot pay for a higher rating or a better placement. Read our advertiser disclosure.
Many or all of the loan products featured here are from our partners who compensate us. That may influence which lenders we write about and where and how they appear on a page.
It does not influence our evaluations. Our ratings are set by our editorial team using the published methodology above. Partners cannot pay for favorable reviews, higher ratings, or better placement.
When you click "Check your rate" you leave Financialist.com and go to the lender's site. Checking your rate with a soft pull won't affect your credit score; if you proceed and are approved, we may earn a commission — at no cost to you.
Many or all of the loan products featured here are from our partners who compensate us. That may influence which lenders we write about and where and how they appear on a page.
It does not influence our evaluations. Our ratings are set by our editorial team using the published methodology above. Partners cannot pay for favorable reviews, higher ratings, or better placement.
When you click "Check your rate" you leave Financialist.com and go to the lender's site. Checking your rate with a soft pull won't affect your credit score; if you proceed and are approved, we may earn a commission — at no cost to you.