Best Personal Loans 2026
Compare personal loan providers for debt consolidation, home improvement, and more.
SoFi Personal Loans
WinnerFixed-rate personal loans with no fees and unemployment protection.
4.7
Pricing:
No fees
Pros
- No origination fees
- Unemployment protection
- Rate discounts available
- High loan amounts
Cons
- Requires good credit
- No co-signer option
- No physical branches
Good credit borrowers
Debt consolidation
Large loan amounts
Visit SoFi Personal Loans
LendingTree
Runner-UpCompare personal loan offers from multiple lenders with one application.
4.5
Pricing:
Free to compare
Pros
- Multiple offers
- All credit levels
- Quick comparison
- Soft credit check
Cons
- Not a direct lender
- May receive calls
- Rates vary
Rate shopping
All credit types
Quick comparisons
Visit LendingTree
Prosper
Peer-to-peer lending platform with fixed-rate personal loans.
4.3
Pricing:
1.99%-6.99% origination fee
Pros
- Peer-to-peer model
- Joint applications available
- Flexible use of funds
- Fixed rates
Cons
- Origination fee
- Lower max amounts
- Slower funding
Joint borrowers
P2P lending fans
Moderate credit
Visit Prosper
Feature Comparison
| Feature | SoFi Personal Loans | LendingTree | Prosper |
|---|---|---|---|
| APR Range | 8.99%-29.49% | 5.99%-35.99% | 6.99%-35.99% |
| Loan Amounts | $5K-$100K | $1K-$50K | $2K-$50K |
| Funding Speed | Same day | Varies | 3-5 days |
| No Origination Fee | Varies | ||
| Unemployment Protection | Varies | ||
| Joint Application | Varies |
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