Best Personal Loan Lenders 2026
Find the Right Loan for You - We compared rates, fees, and terms from 50+ lenders to find the best personal loans for every credit profile.
SoFi Personal Loans
Highest rated & most recommended option
SoFi Personal Loans - No-fee personal loans with competitive rates and unemployment protection.
- No origination fees or prepayment penalties
- Unemployment protection included
- Rate discounts with autopay
- Fast funding - often same day
LightStream - Truist-backed lender offering low rates for borrowers with excellent credit.
- Some of the lowest APRs available
- Zero fees of any kind
- Same-day funding available
- Rate Beat Program guarantee
Marcus by Goldman Sachs - No-fee personal loans from Goldman Sachs with on-time payment rewards.
- No fees including late fees
- On-time payment reward reduces APR
- Flexible payment dates
- Strong customer service
Upgrade Personal Loans - Personal loans for fair credit with free credit monitoring included.
- Available for credit scores as low as 560
- Free credit monitoring included
- Direct payment to creditors
- Joint applications allowed
Prosper - Peer-to-peer lending platform offering personal loans with competitive rates.
- Soft credit check for prequalification
- Joint applications available
- No prepayment penalties
- Established peer-to-peer platform
Best Egg - Personal loans with fast funding and competitive rates for debt consolidation.
- Fast funding - as soon as next day
- Soft credit check available
- Competitive rates for good credit
- Secured loan option available
Avant - Personal loans designed for borrowers with less-than-perfect credit.
- Accepts credit scores as low as 550
- Late fee forgiveness program
- Fast funding within 24 hours
- No prepayment penalties
About Personal Loan Lenders
Finding the right solution can be overwhelming with so many options available. Our team of experts has evaluated each option based on pricing, features, customer reviews, and overall value to help you make an informed decision.
This guide compares the top 7 providers in finance, explaining key differences and which options might work best for your specific needs.
Quick Comparison
| Provider | Rating | Best For |
|---|---|---|
| SoFi Personal Loans | 9.8 | Best Overall |
| LightStream | 9.6 | Best Rates |
| Marcus by Goldman Sachs | 9.4 | General use |
| Upgrade Personal Loans | 9.0 | Best for Fair Credit |
| Prosper | 8.8 | General use |
Compare Options, Choose What's Best for You
At Komparisons, we recognize the importance of thorough and accurate product reviews. Our team rigorously evaluates every option to ensure you have the unbiased information needed to make confident decisions.