Get Matched with the Right Personal Loan
Just answer a few quick questions to see your offers in minutes. Rates starting at 4.95% and loan amounts up to $100,000.
This service does not charge any fees and will not affect your credit score.
A+ Rating
on Better Business Bureau
Over 7M borrowers served and $42B funded through our platform
Get a loan in your account in as little as 24 hours
Step 1
Fill out the form
(2m)
Step 2
Compare the results
(2-5 mins)
Step 3
Get funded
(As soon as 24 hours)
Top Personal Loans with Competitive Rates
APR starts from 4.95% up to 35.95%. Terms range from 90 days to 84 months for qualified customers
(Rates updated as of Oct 25, 2025) – Check the perfect match for you!
Best for:
Getting approval fast
$1K - $75K
TERM:
6 - 60 months
APR:
6 - 60 months
Best for:
Same-day funding
$200 - $5K
TERM:
3 - 84 months
APR:
3 - 84 months
Best for:
Getting approval fast
$200 - $5K
TERM:
3 - 84 months
APR:
3 - 84 months
Top Lender
Loan amount
APR
Loan term
Min. credit score
Best for
Our simple, secure process has earned
the trust of over 1 million borrowers
Fast & Easy Application
Our fast, safe, and secure online form can be completed in just 2 quick minutes.
All credit scores welcome
You can fill out our online form with any level of credit rating, from no rating to excellent!
Quick Fund Disbursement
Our lenders will directly deposit funds to your account as fast as the next business day.
Calculate your payment
What is a personal loan?
Everything you need to know to borrow smart
A personal loan is an unsecured loan from a bank, credit union, or online lender. It’s repaid in fixed monthly installments over 3 to 7 years.
- Amount: $200 to $200,000, depending on the lender.
- Repayment terms: 3 to 84 months, depending on the lender.
- Cost: You’ll pay your lender interest and fees (the loan’s APR) for the loan to borrow the money you need now.
- Payments: You’ll make equal monthly payments over your repayment term. The monthly payments will cover the amount you borrowed plus interest and fees.
- To qualify for a personal loan, lenders typically consider the following factors:
| Credit score | Debt-to-income ratio |
| Income | Employment history |
- How to apply: You can apply for a personal loan on the lender’s website or use a service like Lenfincal to get quotes from up to five lenders at once.
Calculate Your Loan Payments
Find Your Best-Matched Loans
Compare Today’s Top Loan Offers
Personal Loan FAQs
Why Borrowers Choose Us
- Approval as fast as 24 hours
- Flexible repayment term
- No hidden fees
Frequently Asked Questions
When applying for a loan, you may have questions about the process or requirements. To make it easier, we’ve compiled answers to the most frequently asked questions
Can you refinance a personal loan?
Yes. Refinancing lets you replace your current loan with a new one, often to get a lower interest rate, reduce your monthly payment, or extend your repayment term.
Can I get a loan with bad credit or no credit?
Yes, many lenders work with borrowers who have poor or limited credit history. You may pay a higher rate, but options are still available – especially with steady income or a co-signer.
How much of a personal loan can I get?
Loan amounts typically range from $200 to $200,000. The exact amount depends on your credit score, income, and debt level.
What can I use a personal loan for?
Personal loans can be used for almost any purpose – like consolidating debt, covering medical bills, making home improvements, or even funding major purchases.
What is a benefit of obtaining a personal loan?
Personal loans offer fixed interest rates, set monthly payments, and don’t require collateral – making them a flexible and predictable option.
What are good alternatives to personal loans?
Depending on your needs, consider credit cards, home equity loans, lines of credit, or borrowing from friends or family.
We’ve Helped Over 2M+ People
Get the financial service they need, with 7K+ successful connections every week with:
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