Personal loan rates
Advertised APRs, loan amounts, and terms from WalletScout lending partners. These are ranges published by lenders, not personalized rates. Your actual offer depends on your credit, income, and other factors.
Lender rate table
| Lender | Advertised APR range | 36 mo payment | 48 mo payment | 60 mo payment | 72 mo payment |
|---|---|---|---|---|---|
LightStream Example at 15.69% APR | 6.49% - 24.89% | $350 | $282 | $242 | $215 |
Happy Money Example at 18.97% APR | 7.95% - 29.99% | $366 | $299 | $259 | $234 |
SoFi Example at 20.74% APR | 6.49% - 34.99% | $375 | $308 | $269 | $244 |
LendingClub Example at 20.98% APR | 5.96% - 35.99% | $377 | $310 | $270 | $245 |
Upstart Example at 21.14% APR | 6.30% - 35.99% | $377 | $310 | $271 | $246 |
Best Egg Example at 21.49% APR | 6.99% - 35.99% | $379 | $312 | $273 | $248 |
Upgrade Example at 21.87% APR | 7.74% - 35.99% | $381 | $314 | $275 | $250 |
Prosper Example at 22.49% APR | 8.99% - 35.99% | $384 | $318 | $279 | $254 |
Avant Example at 22.97% APR | 9.95% - 35.99% | $387 | $320 | $282 | $257 |
Payments are examples based on the midpoint of each lender's advertised APR range for a $10,000 loan. Your actual APR and payment may differ.
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Lender reviews
- SoFi review (6.49% - 34.99% APR)
- LendingClub review (5.96% - 35.99% APR)
- Upstart review (6.30% - 35.99% APR)
- Best Egg review (6.99% - 35.99% APR)
- Prosper review (8.99% - 35.99% APR)
- Avant review (9.95% - 35.99% APR)
- LightStream review (6.49% - 24.89% APR)
- Upgrade review (7.74% - 35.99% APR)
- Happy Money review (7.95% - 29.99% APR)
How personal loan rates are set
Most personal loans from our lending partners are unsecured and fixed rate. With no collateral involved, the lender prices the loan almost entirely on how likely it believes you are to repay. That judgment is built from your credit history, your income relative to your existing debt, how long you have been employed, and the amount and term you ask for.
Personal loans can also be secured by collateral, such as a motor vehicle. Pledging collateral can support a larger amount or a lower rate, but it puts the vehicle at risk if the loan is not repaid. Secured options vary by lender and may not be available through the lenders currently listed here.
The number that matters is the APR, not the interest rate. APR folds in the interest rate plus any origination fee, so it is the only figure that lets you line two offers up fairly. A loan quoted at a lower interest rate can easily cost more once a 6% origination fee is deducted from the money you actually receive.
- Credit history and score band: the single biggest driver of the rate you are offered
- Debt-to-income ratio: monthly debt payments measured against gross monthly income
- Loan amount and term: longer terms usually carry higher rates
- Income stability: length of employment and whether income is verifiable
- Whether the loan is secured: collateral can lower the rate a lender is willing to offer
- State of residence: not every lender lends in every state
For the fees to check, secured versus unsecured borrowing, what lenders look for and what happens after you apply, read the complete personal loan guide.
Advertiser disclosure: WalletScout is a free comparison service. We may earn a referral fee when you choose a lending partner through our site. Compensation never affects the order in which lenders appear or the rates you are offered. Figures shown are advertised ranges from each lender's own website and are updated daily. Your actual rate, amount, and term depend on your credit, income, state of residence, and the lender's underwriting.
How we rank: We display offers by lowest APR first, based on the information you provide. We do not accept payment for better placement. Read our full ranking methodology.