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Best Personal Loans Lenders 2022

Get Funds Fast 

Personal loans are an attractive way to fund an unexpected expense, or to consolidate credit cards or other types of high-interest debt. Terms are flexible, allowing you to create a monthly payment plan that fits your budget. We’ve researched and reviewed the top lending partners for 2022.

9.5
Outstanding
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Low Rates 

9.8
Outstanding
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Compare Multiple Offers

9.2
Excellent
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Loans from $2000

Top Pick 2022

Credible Offer: 

  • Minimum Loan: $2000
  • Min. Credit Score: 600
  • APR: 3.99% – 35.99% 
  • Loan Term: 12–84 Months

 

9.8
Outstanding
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9817 user reviews on 3 sites
This score is an average of the following ratings and measurements:
Google Reviews
4.5  (4575)
Trustpilot
4.5  (5242)
Offering
5.0 
Get Several Offers
No Fees
Online Application
  • Get Several Offers
  • No Fees
  • Online Application

Additional Information:

  • Get the Most Competitive Rates 
  • Great for Debt Consolidation Loans
  • Get Offers Without Affecting Your Credit Score
  • Loans Starts from $600

Expert Feedback

  • Credible is the best personal loan marketplace for comparing multiple lenders at once. Credible shows you a wide range of offers to help you find the best possible rate. Credible will present loans for debt consolidation, wedding expenses, home improvement, car financing, starting a business and medical bills. Credible offers a “Best Rate Guarantee”. If you can close on a loan with a better rate than one of the offers Credible showed you, Credible will pay you $200.
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“I was able to refinance my student loan and secure a much lower rate than I had with my other servicer. The process was so easy!”   Alicia Scissons

LightStream Offer: 

 

  • Minimum Loan: $5000
  • Min. Credit Score: 660
  • APR: 3.99% – 19.99%
  • Loan Term: 24–84 Months
9.5
Outstanding
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This score is an average of the following ratings and measurements:
Website Reviews
4.5 
Offering
5.0 
Online Application
Fast Funding
Low APR
  • Online Application
  • Fast Funding
  • Low APR

Additional Information: 

  • Multiple Loan Plans
  • Loans Starts at $5000
  • No Fees or Prepayment Penalties

Expert Feedback

  • Upon submitting your loan application, Lightstream performs a soft credit check, which will not impact your credit score, to get a sense of your creditworthiness. Within minutes, you will receive an offer from Lightstream. LiveStream offers different plans for different needs. From credit card debt consolidation to medical bills or even a vacation. This range will help you get the loan you need at a rate you can afford.
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“I applied with Lightstream for a boat loan from my phone and was approved and had the funds in my account the next day. I now own a beautiful boat that I am really enjoying. Thanks Lightstream!”

Prosper Offer: 

 

  • Loans from $2000
  • Min. Credit Score: 600
  • APR: 7.95% – 35.99%
  • Loan Term: 36-60 Months
9.2
Excellent
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This score is an average of the following ratings and measurements:
Trustpilot
4.0 
CreditKarma.com
4.0 
Offering
4.0 
Online Application
Fast Funding
  • Online Application
  • Fast Funding

Additional Information: 

  • Flexible Loan Amounts
  • Accessible Minimum Credit Score
  • Funding in  3 Days After Applying
  • Over 1 Million Customers Since 2005

Expert Feedback

  • Prosper is a peer-to-peer lending platform that lets borrowers access personal loans between $2000 and $40,000. Borrower qualifications are more accessible than many other online lenders but rates can reach almost 36% and borrowers pay origination fees from %2.41 to 5%. Prospective borrowers can take advantage of Prosper’s prequalification tool to see what terms they’ll qualify for without impacting their credit scores.
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“I have used Prosper once before and returned to use it again. The process is easy and the funds are dispersed quickly.” Michelle H.

Marcus Offer: 

 

  • Minimum Loan: $3,500
  • Min. Credit Score: 660
  • APR:  6.99% – 19.99% 
  • Loan Term: 36-72 Months
8.8
Very Good
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This score is an average of the following ratings and measurements:
Consumeraffairs.com
3.9 
Offering
4.0 
Fast Funding
Online Application
  • Fast Funding
  • Online Application

Additional Information: 

  • Loan Amount: $3,500 – $40,000
  • Flexible Repayment Terms
  • Same-day Funding
  • On-Time Payment Reward
  • 0.25% APR reduction when you enroll in AutoPay

Expert Feedback

  • Marcus is a legitimate set of banking products and services offered by Goldman Sachs, an investment bank and financial services company. Marcus is one of the better-known online lending platforms and has established itself as a leader thanks to its reliability and flexibility.  Marcus does not charge sign-up fees, late fees and or prepayment fees. 
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“I have never had any problems getting in touch when I had a question and your staff is amazing.” Tammy, MA

Lending Club Offer:

 

  • Minimum Loan: $2000 
  • Min. Credit Score: 600
  • APR:  8.30% – 35.99%
  • Loan Term: 36-60 Months
8.5
Good
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This score is an average of the following ratings and measurements:
Trustpilot
4.8 
Offering
4.0 
Fast Funding
Online Application
  • Fast Funding
  • Online Application

Additional Information: 

  • Prepayment penalty: None
  • Unsuccessful payment fee: $15
  • Origination fee: 3% to 6%
  • Check processing fee: $7
  • Do they allow a cosigner: No, but co-borrowers allowed
  • Time to fund: As little as 44 hours
  • Late fee: 5% of late payment or $15 (whichever is greater)
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“I have had several loans with Lending Club. The process is straight forward and fast. I always know exactly what my payments are and Lending Club also provides emails with helpful information.” Stacy S.

One Main Financial Offer: 

 

  • Minimum Loan: $1,000
  • Min. Credit Score: 550
  • APR:  18.00% – 35.99% 
  • Loan Term: 24-60 Months
8
Fair
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This score is an average of the following ratings and measurements:
Trustpilot
4.8 
Offering
3.5 

Additional Information:

  • Prepayment penalty: None
  • Unsuccessful payment fee: $10 to $50
  • Origination fee: $25 to $400
  • Do they allow a cosigner: Yes
  • Check processing fee: None
  • Late fee: $5 – $30
  • Time to fund: As soon as 1 – 2 days after acceptance
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“I was pleased with the overall experience with one main financial very professional in taking all your information, especially making sure of your positive identity!” Jack c.

Are You a Small Business Owner?

For Small Business Owners Only

To Qualify for Business Loans through Fast Capital 360, You Need to Meet The Following Criteria:

 

  • Revenue of at Least $100K/Year
  • In Business for +6 Months
  • US Registered Business 
  • Min. Personal Credit Score: 540
  • Loans Starting from APR 7%
8.5
Good
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Additional Information: 

  • Repayment Terms: 3 Months to 5 Years
  • Loans up to $500K 
  • APR from 7%
  • Funding within 1 business day
  • First Capital Offers Wide Range of Business Financing including: Lines of Credit, Equipment Financing – The Item You Purchase Serves as Collateral, Merchant Cash Advances – Borrow Against Future Profits, Invoice Factoring – Sell Your Accounts Receivable, SBA Loans

Disclosures and Other Information

  • Credit Pull Disclosure

    To check the rates and terms you qualify for, Lender conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

  • Autopay Disclosure

    The autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The autopay reduction will not be applied if autopay is not in effect. See loan agreement for details.

  • What Is Annual Percentage Rate (APR)?

    The APR defines the rate of interest a borrower pays over the course of a year.  APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. The APR provides consumers with a bottom-line number they can compare among lenders, credit cards, or investment products. Financial institutions must disclose a financial instrument’s APR before any agreement is signed.

  • Representative Example of APR

    A $10,000 loan amount with APR of 19.99% for a 4-year term with monthly payments of $305.11. The total of payments $14,465.44 over the life of the loan if timely payments are made.

     

  • What is a Credit Score?

    A credit score predicts how likely you are to pay back a loan on time. A scoring model uses information from your credit report to create a credit score. A credit score is a number from 300 to 850, the higher the score, the better a borrower looks to potential lenders.

  • How Much Can I Borrow With a Personal Loan?

    The maximum sum depends largely on your credit score and debt-to-income ratio. The upper limits for personal loans vary by lender but typically fall in the $35,000 to $50,000 range. Some lenders offer personal loans to qualified borrowers up to $100,000.

  • Are There Any Fees?

    Lender will charge you loan interest and/or loan fees and must provide you with full disclosure of the loan terms upon approval. Read the terms of your loan carefully before accepting and signing a loan contract.

  • What If I am Late or Skipped Payment?

    Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their contract. Please contact the lender directly if you have an issue paying an installment and make sure to read the terms of your loan carefully before accepting and signing a loan contract.