SoFi Personal Loan SoFi
$0 from 8.99 APR
- APR Range: 8.99-29.99%
- Loan Amount: $5k-$100k
- Loan Term: 2-7 years
- Origination Fee: $0
- Min Credit Score: Good (670+)
- Prepayment Penalty: Yes
Compare Personal Loans in United States
Live offers across tracked providers in United States — updated daily from the Giraffy database.
Live offers
28 live offers compared from 17 providers, from $0 from 8.99 APR. Updated daily.
Discover Personal Loan Discover Bank
$0 from 7.99 APR
- APR Range: 7.99-24.99%
- Loan Amount: $2.5k-$40k
- Loan Term: 3-7 years
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
Marcus Personal Loan Marcus by Goldman Sachs
$0 from 6.99 APR
- APR Range: 6.99-29.99%
- Loan Amount: $3.5k-$40k
- Loan Term: 3-6 years
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
Upgrade Personal Loan Upgrade
$0 from 9.99 APR
- APR Range: 9.99-35.99%
- Loan Amount: $1k-$50k
- Loan Term: 2-7 years
- Origination Fee: 1.85-9.99%
- Min Credit Score: Fair (580+)
- Prepayment Penalty: Yes
Capital One Personal Loan Capital One
$0 from 19.99 APR
- APR Range: 19.99-29.99%
- Loan Amount: $4k-$40k
- Loan Term: 2-5 years
- Origination Fee: $0
- Min Credit Score: Good (670+)
- Prepayment Penalty: Yes
LendingClub Personal Loan LendingClub
$0 from 9.57 APR
- APR Range: 9.57-35.99%
- Loan Amount: $1k-$40k
- Loan Term: 3-5 years
- Origination Fee: 3-8%
- Min Credit Score: Fair (600+)
- Prepayment Penalty: Yes
LightStream (Top-Up) LightStream
$0 from 7.49 APR
- APR Range: 7.49-25.49%
- Loan Amount: $5k-$100k
- Loan Term: 2-12 years
- Origination Fee: $0
- Min Credit Score: Good (670+)
- Prepayment Penalty: Yes
Avant Personal Loan (Top-Up) Avant
$0 from 9.95 APR
- APR Range: 9.95-35.99%
- Loan Amount: $2k-$35k
- Loan Term: 2-5 years
- Origination Fee: 4.75%
- Min Credit Score: Poor-Fair (550+)
- Prepayment Penalty: Yes
Prosper Personal Loan Prosper
$0 from 8.99 APR
- APR Range: 8.99-35.99%
- Loan Amount: $2k-$50k
- Loan Term: 2-5 years
- Origination Fee: 1-9.99%
- Min Credit Score: Fair (560+)
- Prepayment Penalty: Yes
Happy Money Payoff Loan Happy Money
$0 from 11.52 APR
- APR Range: 11.52-24.50%
- Loan Amount: $5k-$40k
- Loan Term: 2-5 years
- Origination Fee: 0-5%
- Min Credit Score: Good (640+)
- Prepayment Penalty: Yes
NetCredit Personal Loan NetCredit
$0 from 34 APR
- APR Range: 34-155% (subprime)
- Loan Amount: $1k-$10k
- Loan Term: 6-60 months
- Min Credit Score: Poor (550+)
- Prepayment Penalty: Yes
Ally Clearlane Auto/Personal Ally Bank
$0 from 7.99 APR
- APR Range: 7.99-26.99%
- Loan Amount: $5k-$50k
- Loan Term: 2-7 years
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
PNC Unsecured Personal Loan PNC Bank
$0 from 7.99 APR
- APR Range: 7.99-25.99%
- Loan Amount: $1k-$35k
- Loan Term: 6 months-5 yrs
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
TD Bank Personal Loan TD Bank
$0 from 6.99 APR
- APR Range: 6.99-24.99%
- Loan Amount: $2k-$50k
- Loan Term: 1-5 years
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
Chase Personal Loan (via Sapphire) Chase
$0 from N/A (CC balance) APR
- APR Range: N/A (CC balance)
- Loan Amount: Up to CL
- Min Credit Score: Good (670+)
U.S. Bank Simple Loan U.S. Bank
$0 from 15.99 APR
- APR Range: 15.99-23.99%
- Loan Amount: $1k-$25k
- Loan Term: 1-5 years
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
Regions Personal Loan Regions Bank
$0 from 7.99 APR
- APR Range: 7.99-22.99%
- Loan Amount: $2k-$35k
- Loan Term: 1-5 years
- Origination Fee: $0
- Min Credit Score: Good (660+)
- Prepayment Penalty: Yes
TOOLS TO MAKELIFE EASIER Avant
$300 /month
- Provider: Avant
The buying power you want Avant
$300 /month
- Provider: Avant
Your payments Upgrade
$343.33 /month
- Provider: Upgrade
Your APR Upgrade
$500 /month
- Rate: 17.98%
- Provider: Upgrade
Upgrade Plan Upgrade
$500 /month
- Rate: 17.98%
- Provider: Upgrade
Avant Personal Loan Avant
Price on request
Good for bad-to-fair credit borrowers. Fast online approval and funding.
- APR Range: 9.95%-35.99% APR
- Loan Amount: $2,000-$35,000
- Loan Term: 24-60 months
- Origination Fee: Up to 9.99% of loan amount
- Min Credit Score: 580+ (fair to bad credit)
LightStream Personal Loan LightStream
Price on request
$0 fees and lowest APR for excellent credit borrowers. Same-day funding. Up to $100
- APR Range: 6.99%-25.49% APR
- Loan Amount: $5,000-$100,000
- Loan Term: 24-144 months
- Origination Fee: $0
- Min Credit Score: 720+ (excellent credit)
Marcus Personal Loan Marcus by Goldman Sachs
Price on request
No-fee personal loan from Goldman Sachs. Fixed rates. Deferred payment option after 12 months.
- APR Range: 6.99%-24.99% APR
- Loan Amount: $3,500-$40,000
- Loan Term: 36-72 months
- Origination Fee: $0
- Min Credit Score: 660+ (good credit)
Upgrade Personal Loan Upgrade
Price on request
Personal loan with credit monitoring. Good for fair-credit borrowers. Fast funding.
- APR Range: 9.99%-35.99% APR
- Loan Amount: $1,000-$50,000
- Loan Term: 24-84 months
- Origination Fee: 1.85-9.99% of loan amount
- Min Credit Score: 580+ (fair credit)
LendingClub Personal Loan LendingClub
Price on request
P2P-heritage lender. Good for debt consolidation. Joint applications accepted.
- APR Range: 9.57%-35.99% APR
- Loan Amount: $1,000-$40,000
- Loan Term: 24-60 months
- Origination Fee: 2-8% of loan amount
- Min Credit Score: 600+ (fair credit)
SoFi Personal Loan SoFi
Price on request
No fees. Unemployment protection. Competitive rates for good-credit borrowers.
- APR Range: 8.99%-29.99% APR
- Loan Amount: $5,000-$100,000
- Loan Term: 24-84 months
- Origination Fee: $0
- Min Credit Score: 650+ (good credit)
What are Personal Loans in the US?
A personal loan is an unsecured, fixed-rate installment loan repaid in equal monthly payments over a set term, typically two to seven years. In the United States borrowers use them to consolidate high-interest credit-card debt, fund home improvements or cover large one-off expenses. Because they are unsecured, approval and pricing depend heavily on your FICO score, income and existing debt, and the fixed rate and payment make budgeting predictable compared with revolving credit-card debt.
How the US market works
Personal loans are offered by banks, credit unions and online fintech lenders, with online lenders dominating on speed and marketplace competition. Many let you check your rate with a soft credit pull that does not affect your score, then complete a hard pull only if you proceed. Rates are quoted as APR, which folds in any origination fee. Funds often arrive within one to a few business days. Loan amounts commonly range from a couple of thousand up to $50,000 or more.
Benefits
Debt consolidation — Rolling credit-card balances into one lower fixed-rate loan can cut interest and simplify payments.
Predictable payments — A fixed rate and term mean the same payment every month until payoff.
No collateral — Unsecured loans do not put your home or car at risk.
Fast funding — Online lenders can approve and disburse within a day or two.
How to choose
Pre-qualify with several lenders using soft pulls to compare real APRs without hurting your score. Look at the full APR including any origination fee (some lenders charge none), the term length, monthly payment, and whether there are prepayment penalties—most reputable lenders have none. Consider funding speed if you need money fast, and check whether the lender offers direct payoff of creditors for consolidation. Your credit score and debt-to-income ratio will drive the rate you actually receive.
Leading providers in the US
LightStream, the online lending arm of Truist, offers low rates and no fees for strong-credit borrowers. SoFi and Marcus by Goldman Sachs provide no-fee personal loans with member perks. Upgrade, LendingClub and Avant serve a broad credit spectrum, including fair-credit borrowers, through online marketplaces. Discover and Capital One offer personal loans backed by established banks, with Discover known for no origination fees and direct creditor payoff for consolidation.
What it costs
APRs span a wide range—from around 7% for excellent-credit borrowers to 35% or more for those with weaker credit. Some lenders charge an origination fee of roughly 1%–8% deducted from the loan proceeds, while others charge none. There are usually no prepayment penalties, so paying early saves interest. Late fees may apply. The monthly cost depends on the amount, rate and term, so a longer term lowers the payment but raises total interest.
Protections and regulation
The Truth in Lending Act, enforced by the CFPB, requires lenders to disclose the APR, finance charges and total repayment before you sign. Federal fair-lending laws prohibit discrimination in credit decisions, and state usury laws cap interest in some jurisdictions. You have the right to a clear loan agreement, and reputable lenders report payments to the credit bureaus, so on-time repayment can help your score.
Common questions
Will checking my rate hurt my credit? Pre-qualifying uses a soft pull that does not affect your score; only a full application triggers a hard inquiry. Can I pay off early? Yes, and most lenders charge no prepayment penalty, saving you interest. What credit score do I need? Better rates go to scores in the high 600s and above, but some online lenders serve fair-credit borrowers at higher APRs.
The cheapest Personal Loans in United States is $0 from 8.99 APR from SoFi.
Personal Loans in United States — FAQ
What is the best personal loan rate in United States right now?
Giraffy tracks 5 personal loan products across SoFi,Discover Bank,Marcus by Goldman Sachs,Upgrade,Capital One lenders in United States. The lowest APR tracked on Giraffy is currently $0 from 8.99 APR. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
What factors affect my personal loan interest rate?
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
How much can I borrow with a personal loan?
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
What is the difference between a secured and an unsecured personal loan?
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Can I repay a personal loan early?
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
How quickly can I get a personal loan?
Many lenders in United States offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
What is APR and why does it matter when comparing personal loan offers?
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.