Best Personal Loans 2026
by Anonymous
Personal loans provide lump-sum funding for debt consolidation, home improvement, medical expenses, or other major purchases. They offer fixed rates and predictable monthly payments unlike credit cards. Online lenders have expanded access and reduced approval times, with some offering same-day funding. Compare APR, origination fees, and total cost of the loan rather than monthly payment alone.
SoFi
$5,000–$100,000
loan amounts
8.99–25.81%
apr range
None
origination fee
680
minimum credit score
Same day possible
funding speed
2–7 years
loan terms
LightStream
$5,000–$100,000
loan amounts
7.49–25.49%
apr range
None
origination fee
660
minimum credit score
Same day
funding speed
2–12 years
loan terms
Marcus by Goldman Sachs
$3,500–$40,000
loan amounts
8.99–24.99%
apr range
None
origination fee
670
minimum credit score
3–5 business days
funding speed
3–6 years
loan terms
Upstart
$1,000–$50,000
loan amounts
7.80–35.99%
apr range
0–12%
origination fee
300+
minimum credit score
1 business day
funding speed
3 or 5 years
loan terms
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