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How We Rank

Best matches based on your search
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  • APR: 5.99% - 35.99%
  • Loan Term: 2 - 72 months
  • Credit Score: Poor +
  • APR: 3.49% - 35.99%
  • Loan Term: 3 - 144 months
  • Credit Score: Poor +
  • APR: 4.99% - 35.99%
  • Loan Term: 24 – 84 months
  • Credit Score: Fair +
  • APR: 5.99% - 35.99%
  • Loan Term: 2- 72 months
  • Credit Score: Poor +

Our Top Recommendations: The Best Lenders of 2021

 

  • Best overall: LendingTree
  • Best for excellent credit: Credible
  • Best loan marketplace:LendingTree and Credible
  • Best for debt consolidation: LendingTree
  • Best for larger loan amounts: Credible
  • Best for loans under 5K: GuideToLenders

 

Understanding Your Loan: How to Calculate APR

 

The APR calculation on personal loans will vary depending on your lender, but it will typically be lower than what you would receive from a payday or short-term loan – usually starting at 10% and capping at 35.99%. It is not ideal to owe any money, but if you require a loan, then a personal loan could certainly be a viable option.

 

APR rates mentioned include associated fees.

 

Full repayment for the loans displayed range between 61 days to 180 months.

 

Representative example: assuming a loan of $10,000 over 60 months at a fixed rate of 3.1% per annum and fees of $60.00. This would result in a representative rate of 3.3% APR, with monthly repayments of $180.80, for a total amount paid of $10,848.00.

 

One last thing before you go

 

If you need more information on the best personal loan options, read our reviews.

 

LendingTree Review

GuideToLenders Review

Credible Review