Best Personal Loan Companies of 2026
We analyzed 293K reviews across Google, Trustpilot, Yelp, and Reddit to rank the top personal loans.
10
Providers reviewed
293K
Total reviews analyzed
September 2026
Last updated
The best personal loans of 2026
Get personalized offers →- 1
Upstart
4.9Our scorePlatform Rating Reviews Google ★ 4.9 68K View Total ★ 4.9 68K 💬 What Reddit says about Upstart✦ AI InsightAI-powered lending that approves more borrowers by looking beyond just your credit score.Visit Upstart →68K verified reviews - 2
Upstart
4.9Our scorePlatform Rating Reviews Google ★ 4.9 68K View Total ★ 4.9 68K 💬 What Reddit says about Upstart✦ AI InsightAI-powered lending that approves more borrowers by looking beyond just your credit score.Visit Upstart →68K verified reviews - 3DL
Discover Personal Loans
4.9Our scorePlatform Rating Reviews Google ★ 4.9 35K View Total ★ 4.9 35K 💬 What Reddit says about Discover Personal Loans✦ AI InsightFixed-rate personal loans with no origination fees.Visit Discover Personal Loans →35K verified reviews - 4
LightStream
4.9Our score💬 What Reddit says about LightStream- So how do Lightstream Loans work? : r/personalfinancer/personalfinance
- r/povertyfinance - Lightstream Loan HELP ASAPr/povertyfinance
- Applying for a loan in Lightstream : r/personalfinancer/personalfinance
✦ AI InsightBest-in-class rates for excellent credit with same-day funding and no fees of any kind.Visit LightStream →34K verified reviews - 5
LendingClub
4.7Our scorePlatform Rating Reviews Google ★ 4.7 14K View Total ★ 4.7 14K 💬 What Reddit says about LendingClub✦ AI InsightThe original peer-to-peer lender, now a full-service bank offering competitive personal loan rates.Visit LendingClub →14K verified reviews - 6
LendingClub
4.7Our scorePlatform Rating Reviews Google ★ 4.7 14K View Total ★ 4.7 14K 💬 What Reddit says about LendingClub✦ AI InsightThe original peer-to-peer lender, now a full-service bank offering competitive personal loan rates.Visit LendingClub →14K verified reviews - 7PR
Prosper
4.5Our scorePlatform Rating Reviews Google ★ 4.5 15K View Total ★ 4.5 15K 💬 What Reddit says about Prosper- Prosper loan, is it a bad idea? : r/personalfinancer/personalfinance
- Prosper – My Experience : r/passive_incomer/passive_income
- Investing with Prosper: another viable alternative or too risky?r/UKPersonalFinance
✦ AI InsightPeer-to-peer lending that turns the tables, letting everyday people fund your kitchen remodel or debt payoff.Visit Prosper →15K verified reviews - 8AV
Avant
4.3Our scorePlatform Rating Reviews Google ★ 4.3 32K View Total ★ 4.3 32K 💬 What Reddit says about Avant✦ AI InsightThey specialize in saying yes to the people that traditional big banks usually treat like ghosts.Visit Avant →32K verified reviews - 9
SoFi
4.3Our scorePlatform Rating Reviews Google ★ 4.3 13K View Total ★ 4.3 13K 💬 What Reddit says about SoFi✦ AI InsightLow APRs, no fees, and unemployment protection on personal loans.Visit SoFi →13K verified reviews - 10
LightStream
1.7Our scorePlatform Rating Reviews Google ★ 1.7 112 View Total ★ 1.7 112 💬 What Reddit says about LightStream- So how do Lightstream Loans work? : r/personalfinancer/personalfinance
- r/povertyfinance - Lightstream Loan HELP ASAPr/povertyfinance
- Applying for a loan in Lightstream : r/personalfinancer/personalfinance
✦ AI InsightBest-in-class rates for excellent credit with same-day funding and no fees of any kind.Visit LightStream →112 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.
