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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.
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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 July 24, 2025)
Check the perfect match for you!
Best for:
- Getting approved fast
$200 - $5K
TERM:
APR:
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Best for:
- Getting approved fast
$1K - $75K
TERM:
APR:
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Best for:
- Same-day funding
$200 - $5K
TERM:
APR:
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Best for:
- Emergency expenses
$250 - $10K
TERM:
APR:
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Best for:
- Emergency expenses
$500 - $50K
TERM:
APR:
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Top lender
Loan amounts
APR
Loan term
Min. credit score
Best for
$500 to
$10K
4.95% to
35.99%
3 to
72 months
510
- Urgent expenses
$500 to
$50K
5.99% to
35.99%
6 to
72 months
None
- Debt consolidation
$500 to
$50K
5.99% to
35.99%
6 to
72 months
580
- Quick funding
$200 - $5K
4.95% - 35.95%
3 - 84 months
None
- Getting approved fast
$200 - $5K
4.95% - 35.95%
3 - 84 months
None
- Quick funding
$200 - $5K
4.95% - 35.95%
3 - 84 months
None
- Quick funding
Calculate your payment
See how different loan amounts, rates, and terms affect your monthly payment
Estimated monthly payment
198.01
Total interest
1,880.72
Total loan payment
$11,880.72
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.
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Personal Loan FAQs
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You can find customized loans that are tailored to your specific situation
Our simple, secure process has earned
the trust of over 1 million borrowers
Fast & Easy Application
All credit scores welcome
Quick Fund Disbursement
Repayment Plan For Various Amounts and Terms
| Loan Amounts | $1,000 | $2,000 | $3,000 | $5,000 |
| Interest Rate (APR) | 13% | 11.5% | 10.5% | 10% |
| Loan Term | 12 Months | 24 Months | 36 Months | 48 Months |
| Prepayment Penalty | NO | NO | NO | NO |
| Origination Fees | NO | NO | NO | NO |
| Monthly Payments | $89.32 | $93.68 | $97.51 | $126.81 |
| Total Payments | $1,071.81 | $2,248.34 | $3,510.26 | $6,087.02 |
Each lender sets their own terms, fees, and policies. Loan details like APR, fees, nonpayment rules, and renewal terms vary by lender and state, and are outlined in your agreement. We provide helpful information to help you understand how loans work and use them wisely.
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.
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