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See our editorial team’s picks for the best personal loans.
How personal loans work
Personal loans don’t often seem complicated, but you should understand several specific terms before you apply for one.
Personal loan uses
You can use personal loans for almost anything, including paying off debt and home improvements.
Personal loans by credit range
Your credit score is critical in determining eligibility for a personal loan. Before applying, check your credit score to determine whether your credit is excellent, good, fair, or poor. Compare companies that lend to borrowers in your credit range to boost your chances of approval.
Personal loan reviews
If you’re considering applying for a personal loan through a specific company, you should understand how that company operates and the repayment terms.
Latest on personal loans:
SoFi vs. Prosper: Personal Loan Comparison
Both SoFi and Prosper offer personal loans to creditworthy borrowers, but the way they fund those loans is different. Learn more in this...
Long-Term Personal Loans
Long-term personal loans can offer more flexibility with your monthly payment amount, but typically cost more than a short-term loan. With a longer...
Personal Loan Limit: How Much Can I Borrow?
The maximum personal loan amount you can borrow depends on your credit history, income, and the lender you choose. Borrowers should only take...
RISE Credit Loans Review: High Costs for Quick Funding
RISE Credit specializes in installment loans for consumers with poor credit. While RISE loans may...
Balance Credit Personal Loans Review 2025: High Rates, Few Upsides
Balance Credit offers unsecured personal loans to consumers in select states. While these loans can...
Oportun Personal Loans: 2025 Review
Oportun offers personal loans to borrowers with no credit or bad credit, but rates are often very high and only consumers in 12...
How Many Personal Loans Can You Have at Once?
How many personal loans can you take out? It depends. Learn why it might make sense to manage multiple loans—and what other options...
Payoff Personal Loans Review
Payoff is a financial services company focused on helping its customers pay off high-interest credit card debt. The company aims to help its...
LendingPoint Personal Loan Review
LendingPoint funding is quick, with some borrowers receiving their money as soon as the next business day. However, other loan terms may not...
Prosper Personal Loans Review 2025: Funding for Debt Consolidation, Home Improvement, and More
Prosper loans are posted for individual investors to fund. Borrowers can qualify for a Prosper...