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Last updated: July 2026
Best Personal Loans in the US 2026
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The best personal loan lenders of 1970
Ranked using our independent 5-factor methodology.
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Frequently asked questions
›What is the minimum credit score for a personal loan?
Most lenders require 580+. Prime lenders like SoFi and LightStream want 680+ for their best rates.
›How fast can I get funded?
Many online lenders deposit funds within 24 hours of approval. Some (LightStream) fund the same day.
›Will applying hurt my credit score?
Pre-qualification uses a soft pull with zero credit impact. A hard inquiry only happens after you accept an offer, and it drops your score by 3–5 points temporarily.
›What APR should I expect?
Excellent credit: 7–12%. Good credit: 12–18%. Fair credit: 18–28%. Rates depend on loan amount, term, and lender.