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The Best Personal Loans Services

Personal loans are available from different lenders, including traditional banks, online lending platforms, and credit unions. You can use them to help bridge the gap in your budget and take care of expenses such as renovation projects. You can also use personal loans to consolidate your debt because their interest rate is lower than credit cards.

Last Updated March 2024

MaxLoan365 banner
  • Best For - Individuals seeking personal loans with flexible terms
  • Rating - 4.0/5

MaxLoan365 stands out as a solid option for individuals in need of personal loans with flexible terms. The platform offers a streamlined application process and a variety of loan options to cater to different financial needs. With a user-friendly interface and a commitment to customer satisfaction, MaxLoan365.com is a reliable choice for those seeking financial assistance.

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MaxLoan365 logo
ZippyLoan banner
  • Best For - Individuals seeking quick and easy access to personal loans
  • Rating - 4.2/5

ZippyLoan excels in providing quick and easy access to personal loans, making it a top choice for individuals in urgent need of financial assistance. The platform connects borrowers with a network of lenders, streamlining the loan application process and offering a range of loan options. With a focus on efficiency and convenience, ZippyLoan stands out in the personal loan market.

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ZippyLoan logo
VivaLoan banner
  • Best For - Individuals in search of personalized and competitive loan offers
  • Rating - 3.8/5

VivaLoan caters to individuals seeking personalized and competitive loan offers. The platform emphasizes a customer-centric approach, providing borrowers with a range of loan options tailored to their specific financial situations. While VivaLoan may not have the widest network of lenders, it focuses on delivering a personalized and competitive borrowing experience.

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VivaLoan logo
NetLoanExpress banner
  • Best For - Individuals seeking quick approval and funding for personal loans
  • Rating - 3.9/5

NetLoanExpress is a suitable option for individuals seeking quick approval and funding for personal loans. The platform prides itself on an efficient application process, ensuring that borrowers receive prompt responses and timely disbursement of funds. While the network of lenders may not be as extensive, NetLoanExpress prioritizes speed and accessibility for borrowers.

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NetLoanExpress logo
Liberty Loan USA banner
  • Best For - Individuals seeking personal loans with flexible terms
  • Rating - 4.5/5

Liberty Loan USA offers a range of personal loan options to cater to your unique financial needs. Whether you require funds for debt consolidation, home improvement, or unexpected expenses, this company provides flexible terms and competitive rates. Their user-friendly application process ensures a hassle-free experience.

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Liberty Loan USA logo
BetterLoan banner
  • Best For - Borrowers with various credit backgrounds
  • Rating - 4.2/5

Better Loan HQ welcomes borrowers with all credit types, making it an inclusive choice for those seeking personal loans. Their swift approval process and transparency in loan terms are significant advantages.

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BetterLoan logo
SnappyLend banner
  • Best For - Borrowers seeking quick and hassle-free loans
  • Rating - 4.1/5

SnappyLend stands out with its straightforward online application process and speedy funding. They offer a variety of loan options and provide responsive customer support

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SnappyLend logo
NerdWallet banner
  • Best For - Individuals seeking personal loan options
  • Rating - 4.5/5

NerdWallet provides a valuable resource for individuals in search of personal loans. Whether you're consolidating debt, covering unexpected expenses, or funding a project, NerdWallet offers a comprehensive platform to explore and compare loan options.

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NerdWallet logo
Financial Help For Families banner
#9

Financial Help For Families

  • Best For - Community-oriented lending with financial literacy focus
  • Rating - 4.2/5

Financial Help For Families takes a community-centered approach to lending, emphasizing financial literacy. They offer competitive rates and supportive customer service.

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Financial Help For Families logo
Lending Club banner
  • Most Convenient for - People with average credit, those who want to consolidate debt
  • Interest rates - Range 8.46% - 20.74%. For prime borrowers and 15.54% - 30.99% for Near prime borrowers
  • Loan Amounts - Up to $40,000
  • Funding time - Loans processed within a week
  • Repayment Period - Three to Five years

LendingClub offers personal loans for people looking to consolidate their debt, small business owners looking to fund their businesses, or auto finance. The website uses a peer-to-peer lending model and has a flexible payment plan. The lending period has only two options; either three years or five years which are thirty six months or sixty months respectively.

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Lending Club logo
Credible (Personal Loan) banner
#11

Credible (Personal Loan)

  • Most Convenient for - people looking to compare different loans
  • Interest rates - Between 2.49% and 35.99%
  • Loan Amounts - $1,000 to $100,000
  • Funding time - Three weeks
  • Credit score - 600

Credible is a loan service that allows borrowers to check different lenders for various loans, including student loans and refinancing, credit cards, personal loans, and mortgages. It enables you to view many refinancing options and compare cheaper options with lower interest rates. However, if you opt to take a Credible loan, you may not be eligible to get federal benefits such as unemployment protection.

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Credible (Personal Loan) logo
Figure banner
  • Most Convenient for - Borrowers looking for home equity loans
  • Interest rates - Starting at 3.00% APR (with autopay and Credit Union Membership)
  • Loan Amounts - $15,000 to $250,000
  • Funding time - Five days
  • Repayment Period - 620

Figure is a lender that specializes in offering home equity lines of credit (HELOCs). In as little as five minutes, and with an average approval time of five days, borrowers can get up to $250,000. Loans from Figure can be used for debt consolidation, large purchases, or home renovations. The application and approval process is entirely digitized, which makes the process take a short time.

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Figure logo
SoFi banner
  • Most Convenient for - Students loans refinancing
  • Interest rates - between 4.99% to 18.13% (with autopay)
  • Loan Amounts - $5,000 to $100,000
  • Funding time - Six to Fifteen business days
  • Repayment Period - 680

SoFi, short for social finance, is a financial management service best known for offering student loan refinancing and personal loans. It also has investment accounts and checking and savings accounts. SoFi does not charge any fees and has flexible loan options where you can manage your money digitally.

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SoFi logo
Lending Tree banner
  • Most Convenient for - Borrowers who need to compare various loan products
  • Interest rates - 7.04% to 35.89%
  • Loan Amounts - $1,000 to $40,000
  • Funding time - 1 business day
  • Credit score - 560 - 750

LendingTree is designed to help you compare different financial services and loans, including mortgages, credit cards, personal loans, among others. The online service is free. It matches you with lenders based on the needs of the borrowers. LendingTree offers unsecured personal loans at a fixed rate. It also lets borrowers enlist a joint borrower, which is beneficial for people with a low credit score.

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Lending Tree logo
LoansUnder36 banner
  • Most Convenient for - Borrowers who need fast personal loans
  • Interest rates - 5.99% - 35.99%
  • Loan Amounts - $500 to $35,000
  • Funding time - 1 business day
  • Credit score - Not stated

LoansUnder36 is an online lender that provides personal loans. It works by taking your personal information and then sending it to its network of more than one hundred lenders. The service is ideal for people with low credit scores who may find it hard to get personal loans from other lenders. Once you show interest in getting a personal loan, you are required to provide personal information that includes social security number, bank details, and driver's license number to receive a quote.

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LoansUnder36 logo
Monevo banner
  • Most Convenient for - Personal loans, refinancing of loans, people with a range of credit scores
  • Interest rates - 2.49% to 35.99%
  • Loan Amounts - $1,000 to $100,000
  • Funding time - Varies based on lender
  • Credit score - Varies with the lender

Monevo is a UK online marketplace that helps potential borrowers find appropriate loans that match their needs. To get matched with a lender, you go to the Monevo site and fill out a free application outlining your loan needs. You will also fill in personal details such as your employment details, education, annual income, credit scores, social security number, residence, and personal information. Monevo is beneficial for people who are looking to compare different personal loans and get the information quickly.

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Monevo logo
OppLoans banner
  • Most Convenient for - fast funding for credit-challenged individuals
  • Interest rates - APRs range from 59% to 160%
  • Loan Amounts - from $ 500 to $ 4,000
  • Funding time - one business day
  • Repayment Period - 9 to 18 months

The minimum credit score for OppLoans is not specified, but they don't require hard credit inquiries. They are an online lender; they need you to answer a few questions to decide which personal loans you qualify for. They offer free money management courses for borrowers who want to get their finances on track. Their funding time is impressive; you can access cash fast in case of emergencies. They don’t have an application fee or prepayment penalty, which is a relief because some lenders do. They are a viable alternative to short-term predatory loans. However, the loan amount is capped at $ 4,000; if you need more, you should explore other lenders. They have very impressive customer reviews. They have helped over 700,000 customers get access to quick personal loans. The only issue is they operate in 37 states. You have to be in one of the states to get a loan.

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OppLoans logo
Big Think Capital banner
#18

Big Think Capital

  • Best For - Individuals seeking flexible personal loan solutions to meet diverse financial needs
  • Rating - 4.4/5

If you're in search of versatile personal loan options that cater to a range of financial requirements, Big Think Capital's offerings might be just the solution you need. With a commitment to providing accessible financing to individuals, their personal loan services stand out as a reliable choice for those looking to address various financial situations.

One of the standout features of Big Think Capital's personal loans is their adaptability. Whether you're consolidating debt, covering unexpected expenses, or embarking on a personal project, their loan options can be tailored to suit your specific needs.

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Big Think Capital logo
Top 18 Personal Loans Providers

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