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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Upstart vs. SoFi: Which Personal Loan Is Better?
Both Upstart and SoFi offer online personal loans, but the rates and benefits that come with each loan differ. Keep reading to learn which lender is right for you.
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Common Personal Loan Fees & Charges
Some personal loan lenders charge fees when you borrow. If you need to take out a personal loan, budget for the possibility of personal loan fees including an origination fee,…
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SoFi vs. LightStream Personal Loans 2026: Comparing Terms, Rates, and Approval Odds
Both LightStream and Sofi provide affordable loans to borrowers with good credit, but which lender is best for you? In this guide, we review both loans and cover some scenarios…
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SoFi vs. LendingClub: Personal Loan Comparison
Both SoFi and LendingClub offer competitive online personal loans, but one option is clearly best. Learn more in this SoFi vs. LendingClub review.
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Rocket Loans Review: Fast Personal Loans for Fair to Good Credit
Known for speedy loan fulfillment and low interest rates, Rocket Loans has become a notable player in the online lending space. However, consumers should be mindful of the origination fees…
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Reliable Credit Loans Review
Reliable Credit is a direct lender that has been in business since 1958 and offers consumer loans to Oregon, Idaho, Arizona, and Washington residents. This lender offers loans for various purchases,…
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What Credit Score Is Needed for a Personal Loan?
Typically, you'll need a credit score in the mid-600s to qualify for most unsecured personal loans and require a score of 740 or above to get the lowest rates. Check…
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Prosper Competitors and Alternatives
Peer-to-peer (P2P) loans connect borrowers directly with investors, bypassing traditional financial institutions. Prosper has helped process over $12 billion in loans for more than 800,000 users since 2006. In recent…
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Alternatives to John Deere Manufacturer or Dealer Financing
Whether you’re a farmer, business, or homeowner, you may be able to find lower-cost financing than what's offered by John Deere. Before sitting down with a John Deere dealer, consider…
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LendingClub Competitors and Alternatives
If you are looking for an alternative to LendingClub personal loans, check out the options below.