Best Personal Loan Companies of 2026
We analyzed 0 reviews across Google, Trustpilot, Yelp, and Reddit to rank the top personal loans.
10
Providers reviewed
0
Total reviews analyzed
July 2026
Last updated
The best personal loans of 2026
Get personalized offers →- 1
LightStream
4.9Our score✦ AI InsightBest-in-class rates for excellent credit with same-day funding and no fees of any kind.Visit LightStream →0 verified reviews - 2
Upstart
4.9Our scorePlatform Rating Reviews Google ★ 4.9 67K View Total ★ 4.9 0 ✦ AI InsightAI-powered lending that approves more borrowers by looking beyond just your credit score.Visit Upstart →0 verified reviews - 3DL
Discover Personal Loans
4.9Our scorePlatform Rating Reviews Google ★ 4.9 35K View Total ★ 4.9 0 ✦ AI InsightFixed-rate personal loans with no origination fees.Visit Discover Personal Loans →0 verified reviews - 4
Upstart
4.9Our scorePlatform Rating Reviews Google ★ 4.9 67K View Total ★ 4.9 0 ✦ AI InsightAI-powered lending that approves more borrowers by looking beyond just your credit score.Visit Upstart →0 verified reviews - 5
LendingClub
4.7Our scorePlatform Rating Reviews Google ★ 4.7 14K View Total ★ 4.7 0 ✦ AI InsightThe original peer-to-peer lender, now a full-service bank offering competitive personal loan rates.Visit LendingClub →0 verified reviews - 6PR
Prosper
4.7Our scorePlatform Rating Reviews Google ★ 4.7 3.4K View Total ★ 4.7 0 ✦ AI InsightPeer-to-peer lending that turns the tables, letting everyday people fund your kitchen remodel or debt payoff.Visit Prosper →0 verified reviews - 7
LendingClub
4.7Our scorePlatform Rating Reviews Google ★ 4.7 14K View Total ★ 4.7 0 ✦ AI InsightThe original peer-to-peer lender, now a full-service bank offering competitive personal loan rates.Visit LendingClub →0 verified reviews - 8AV
Avant
4.3Our scorePlatform Rating Reviews Google ★ 4.3 32K View Total ★ 4.3 0 ✦ AI InsightThey specialize in saying yes to the people that traditional big banks usually treat like ghosts.Visit Avant →0 verified reviews - 9
SoFi
4.3Our scorePlatform Rating Reviews Google ★ 4.3 12K View Total ★ 4.3 0 ✦ AI InsightLow APRs, no fees, and unemployment protection on personal loans.Visit SoFi →0 verified reviews - 10
LightStream
0.0Our score✦ AI InsightBest-in-class rates for excellent credit with same-day funding and no fees of any kind.Visit LightStream →0 verified reviews
Frequently asked questions
What's the best personal loan APR?
Top-rated lenders offer rates starting at 5.99% APR for excellent credit. Bad-credit lenders start around 15.99% APR.
Will checking rates hurt my credit?
No — every top-rated lender on our list uses soft credit pulls for pre-qualification. Your score isn't affected unless you accept an offer.
How fast can I get funded?
Top-rated lenders offer same-day or next-day funding after approval.
Can I get a personal loan with bad credit?
Yes — several top-rated lenders specialize in bad-credit personal loans with realistic approval odds.
Are there prepayment penalties?
No — every top-rated lender on our list has no prepayment penalties.
