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Personal loan lender comparison 2026
Published terms for 10 popular lenders, side by side. Every figure is as stated on the lender's own page on October 2026. "Not stated" means the page we checked did not say, not that the lender lacks it. Your own rate will differ.
| Lender | APR range | Loan amounts | Terms | Origination fee | Soft check | Funding | Used for |
|---|---|---|---|---|---|---|---|
| Discover Personal Loans | 6.99% to 24.99% | $2,500 to $40,000 | 36 to 84 months | None | Yes | 1 business day | Debt consolidation, Home improvement |
| SoFi | 6.99% to 35.49% | Not stated | 24 to 84 months | None | Yes | 1 business day | Debt consolidation, Home improvement |
| Upgrade | 7.74% to 35.99% | $1,000 to $50,000 | 24 to 84 months | Up to 9.99% | Yes | 1 business day | Debt consolidation, Personal loan, fair credit, Home improvement |
| Prosper | 8.99% to 35.99% | $2,000 to $50,000 | 24 to 72 months | Not stated | Yes | 1 business day | Debt consolidation, Personal loan, fair credit, Home improvement |
| Happy Money | 8.95% to 35.99% | $5,000 to $50,000 | 24 to 84 months | Not stated | Yes | Not stated | Debt consolidation |
| Best Egg | 6.99% to 35.99% | $2,000 to $50,000 | 36 to 60 months | Up to 9.99% | Yes | 1 business day | Debt consolidation, Personal loan, fair credit, Home improvement |
| Upstart | 6.3% to 35.99% | $1,000 to $75,000 | 36 to 60 months | Up to 8.15% | Yes | 1 business day | Personal loan, fair credit |
| Avant | 9.95% to 35.99% | $2,000 to $35,000 | 24 to 60 months | Up to 9.99% | Yes | 1 business day | Personal loan, fair credit |
| OneMain Financial | 11.99% to 35.99% | $1,500 to $30,000 | 24 to 60 months | Not stated | Yes | 1 business day | Personal loan, fair credit |
| LightStream | Not stated | $5,000 to $100,000 | 24 to 240 months | None | Not stated | 1 business day | Home improvement |
How to read this table
- An APR range is the lowest to highest rate the lender publishes. Most people will not get the lowest.
- An origination fee is usually taken out of the loan, so you receive less than you borrow.
- Compare the all-in cost, not the monthly payment. See APR vs interest rate.
- We score lenders on these facts. Read the method or go straight to the top picks for debt consolidation, fair credit and home improvement.
Advertising disclosure: Tora Mari is paid by some partners when visitors click through or apply, and some lenders we rate are partners. Scores and order come from our published method and are not changed by what a lender pays us. It does not change what you pay. Read the full disclosure.
Borrowing costs money. Late payments may harm your credit score. Only borrow what you can afford to repay.