The full guide to personal loans
A dream vacation, a home renovation, or consolidating some pesky debt — whatever the reason, plenty of lenders want your business. Our curated shortlist is above; here's how to separate the gems from the duds and pick the loan that actually fits.
Compare personal loan rates
What to look for
- Interest rate. It dictates how much you pay back — a low rate belongs at the top of your list.
- Fees and charges. Watch for origination fees and prepayment penalties hiding in the fine print; they add up fast.
- Repayment terms. Make sure the length and monthly payment fit your budget.
- Credit requirements. Match a lender's requirements to your credit profile to improve your odds of approval.
How to choose
- Compare rates from multiple lenders — don't take the first offer.
- Read reviews for a read on service and reputation.
- Consider your needs — decide what matters most for your situation.
- Ask questions — a good lender answers them clearly.
Educational content only — not financial advice. We may earn a commission from partners we link to. Verify rates and terms with the lender.