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Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Ally Auto Finance

Ally Financial

APR

5.99% - 22.99%

Amount

USD75,000

Term

84 mo

Best for: Best for individuals seeking financing for new or used vehicles with flexible loan terms from 12 to 84 months.

Ally Auto Finance offers a broad range of loan amounts and competitive APRs, making it a solid choice for many borrowers.

Amount

USD250,000

Term

18 mo

Best for: This product is best for small businesses looking for immediate access to funds without extensive paperwork. It's particularly suitable for those with a revenue-based qualification process.

Kabbage offers a quick and flexible line of credit for small businesses, with fast funding options. However, borrowers should be aware of the potential costs associated with the monthly fee model.

APR

6.875% - 7.148%

Amount

USD3,000,000

Term

360 mo

Best for: This service is best for tech-savvy individuals who prefer managing their mortgage application online, as well as those looking for FHA, VA, or conventional loans.

Rocket Mortgage offers a streamlined online application process and quick approvals, making it a convenient choice for homebuyers and those looking to refinance.

APR

4.96% - 9.99%

Amount

USD500,000

Term

240 mo

Best for: Borrowers who want to compare multiple refinance offers without multiple applications

Splash Financial aggregates offers from multiple refinance lenders, so you can compare rates with one application. Strong for borrowers who want to shop efficiently.

APR

19.9% - 35.95%

Amount

USD10,000

Term

48 mo

Best for: This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.

Oportun offers accessible personal loans for those looking to build credit, with flexible terms and no credit history required.

M

Marcus Debt Consolidation Loan

Marcus by Goldman Sachs

APR

6.99% - 24.99%

Amount

USD40,000

Term

72 mo

Best for: Borrowers with good credit who want a truly fee-free debt consolidation loan

Marcus stands out for its true no-fee structure — no origination fee, no prepayment penalty, no late fees on first missed payment. Backed by Goldman Sachs.

APR

6.9% - 27.9%

Amount

USD100,000

Term

84 mo

Best for: Individuals with fair to good credit scores looking for flexible financing options for vehicle purchases.

Carvana Auto Finance provides a online experience for purchasing vehicles, especially appealing for those with varied credit histories. However, the high APR range of 6.9% to 27.9% can make it costly for borrowers with less favorable credit.

APR

6.5% - 8.0%

Amount

USD2,000,000

Best for: This service is best for homebuyers and homeowners looking to refinance without hidden fees or complicated processes.

Better Mortgage offers a straightforward, commission-free approach to securing a mortgage, ideal for those seeking simplicity and clarity in the lending process.

APR

4.86% - 8.44%

Amount

USD300,000

Term

240 mo

Best for: Borrowers with good credit (680+) refinancing $10,000+ in student loans who value personalized service

ELFI consistently ranks among the lowest APRs for student loan refinancing. Each borrower gets a dedicated personal loan advisor — rare in the fintech space.

APR

7.95% - 35.99%

Amount

USD40,000

Term

60 mo

Best for: This loan is best for individuals with a credit score of 640 or higher who are seeking to simplify their payments and save on interest.

The Payoff Credit Card Payoff Loan is a solid option for those looking to consolidate high-interest credit card debt with lower rates and financial wellness tools.

APR

7.74% - 35.99%

Amount

USD50,000

Term

84 mo

Best for: This loan is ideal for fair-credit borrowers looking to manage multiple debts with .

Upgrade's debt consolidation loan offers flexible terms and rate discounts, viable choice for many borrowers.

PenFed Auto Loans

PenFed Credit Union

APR

4.14% - 17.99%

Amount

USD100,000

Term

84 mo

Best for: This loan is best for US residents looking for quick approval and a low starting APR for car financing.

PenFed Auto Loans provide competitive rates and flexible terms, making them a solid choice for many borrowers.

APR

5.5% - 7.5%

Amount

USD3,000,000

Term

360 mo

Best for: This service is ideal for homeowners looking to refinance without origination fees and with a quick online process.

Better Mortgage offers a streamlined refinancing process with competitive features. However, potential borrowers should verify terms carefully.

APR

2.09% - 17.99%

Term

180 mo

Best for: This loan is ideal for undergraduate and graduate students, as well as parents seeking to cover educational costs with manageable repayment options.

College Ave offers a flexible and competitive solution for financing education, but potential borrowers should be cautious about the variable rates.

APR

8.99% - 35.99%

Amount

USD50,000

Term

60 mo

Best for: Individuals with fair credit scores (600+) looking for personal loans between $2,000 and $50,000.

Prosper Personal Loans provide a wide borrowing range, but their APR can reach up to 35.99%, making them costly for some borrowers. This option suits those with fair credit needing quick access to funds.

APR

5.96% - 35.99%

Amount

USD40,000

Term

60 mo

Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.

This loan is a quick solution for those needing to consolidate debt and pay off credit cards efficiently.

CarMax Auto Finance

CarMax Auto Finance

APR

5.49% - 27.99%

Amount

USD75,000

Term

72 mo

Best for: This service is best for those looking to finance a used car purchase conveniently through CarMax's extensive inventory.

CarMax Auto Finance offers flexible financing options for used vehicles, but be prepared for potentially high APR rates.

APR

6.17% - 6.5%

Amount

USD3,000,000

Term

360 mo

Best for: It's ideal for tech-savvy borrowers looking for a fast, fully digital mortgage application process.

Rocket Mortgage offers a streamlined digital experience for obtaining a mortgage, but may not be the best fit for everyone.

APR

2.99% - 16.38%

Amount

USD200,000

Term

180 mo

Best for: These loans are ideal for undergraduate, graduate, and career training students looking for varied repayment options.

Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.

APR

6.53% - 35.99%

Amount

USD40,000

Term

60 mo

Best for: Individuals with fair credit seeking personal loans for debt consolidation or major purchases.

LendingClub provides a flexible personal loan option with quick funding, but the high APR range may deter those with poorer credit. Be mindful of the potential for high rates if your credit score is on the lower end.