Personal Loans
Learn more about how personal loans work, what you can use them for, compare our picks for the best personal loan lenders, and read reviews of the top lenders in the industry.
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.
- Timeshare Loans
- Loans Using Your Car as Collateral
- Loans That Accept Chime
- Legal Loans
- Long-Term Personal Loans
- Home Improvement Loans
- Debt Consolidation Loans
- Medical Loans
- What Can a Personal Loan Be Used For?
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 lender 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.
- Credible Personal Loans Review
- Upstart Personal Loans Review
- Prosper Personal Loan Review
- SoFi Personal Loans Review
- LightStream Personal Loans Review
- Upgrade Personal Loans Review
All personal loan articles
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Is EarnIn App Legit? Our 2026 Review
Founded in 2014, the EarnIn app was created to help responsibly-employed borrowers with cash flow issues between paychecks. EarnIn stands out against competitors because it doesn’t charge mandatory fees or…
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Klover App 2026 Review: Small Advances, Big Privacy Trade-Offs
Alternatives to Klover We don’t recommend Klover due to its current LendEDU editorial rating (determined by a number of factors) but in particular to the potential data security issues and…
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Fig Loans Review 2026: Small Installment Loans and Credit Builder Options for Bad Credit
Founded in 2015, Fig Loans is a mission-driven lender designed to support working-class Americans who may not qualify for traditional credit. It began in Houston, Texas, as a partnership with…
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No-Interest Personal Loans
Borrowing money comes at a cost. Depending on the lender, you might need to pay application fees, origination fees, and late payment fees. You also must pay interest on the…
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Reprise Financial Review: Reliable Personal Loans for Fair and Bad Credit
Reprise Financial alternatives We recommend prequalifying for at least three personal loans to compare rates and terms from multiple lenders. Consider the following, which are several of our highest-rated lenders:…
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Fast Loan Direct 2026 Personal Loan Review: Avoid This Lender
We do not recommend Fast Loan Direct. Fast Loan Direct says it partners with lenders to offer personal loans. However, an “F” Better Business Bureau (BBB) rating and several negative…
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Grace Loan Advance Personal Loan Review
Grace Loan Advance is a service that matches potential borrowers to personal loan lenders it partners with. It’s an intermediary—not a traditional personal loan lender. So it’s not rated in…
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$30,000 Personal Loans
A $30,000 personal loan could help you cover the costs of a significant expense, such as a home renovation, medical bills, or a wedding. If you can qualify for a…
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10 Personal Loans for Low-Income Borrowers
Finding a personal loan with a low income is possible if you know where to look. Lenders assess your income alongside other factors, such as monthly expenses and debt, to…
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CreditFresh Review 2026: Personal Line of Credit Explained (Costs, Payments, and Customer Insights)
Does CreditFresh have a minimum credit score requirement? CreditFresh doesn’t list a minimum credit score. To qualify, you’ll need to meet some straightforward requirements. Here’s a breakdown of the eligibility…