Compare trusted US lenders and loan marketplaces by what they're best for — with the actual APR ranges, loan amounts and terms each one advertises. Want to know the monthly payment before you apply? Run the numbers with our loan calculator or auto loan calculator first.
Rates and terms verified July 2026. Your actual rate depends on credit, income and term — lenders change pricing often, so confirm on the lender's own page before you apply.
Personal loans
Best for comparing offers Comparing multiple personal-loan offers
LendingTree
300+ lender network~11 offers on averageSoft check to compare
- Network of 300+ lending partners — the largest in the US
- Matched with up to 5 lenders who compete for your business
- Borrowers see 11 personal-loan offers on average
Compare rates →On Marketplace's site · Terms apply
Low-fee personal loans
SoFi
No fees at allUp to 7-year terms0.25% autopay discount
- $5,000–$100,000 at 7.74%–35.49% fixed APR with all discounts applied
- No origination, late or prepayment fees of any kind
- 2–7 year terms · unemployment protection and career coaching for members
Compare rates →On Direct lender's site · Terms apply
Good-credit personal loans
LightStream
Lowest rate on this listZero feesTerms up to 20 years
- $5,000–$100,000 at 6.49%–24.89% fixed APR with autopay
- No origination fees, no prepayment penalty, no late fee
- Terms from 24 to 240 months · aimed at credit scores around 660–700+
Compare rates →On Direct lender's site · Terms apply
Quick personal-loan rate checks
Upstart
No minimum credit scoreSoft check to see your rateFrom $1,000
- $1,000–$75,000 at 6.2%–35.99% fixed APR
- No minimum credit score — income and education weigh into approval
- Checking your rate is a soft pull · origination fee 0%–4.99%
Compare rates →On Marketplace's site · Terms apply
Personal loans plus everyday banking
Axos Bank
Funding in 1–2 daysLow origination feeLoans usable for business
- $7,000–$50,000 at 11.79%–20.84% APR over 3–6 year terms
- Origination fee 0%–2% · funding in as little as 1–2 business days
- Needs a 720+ credit score · funds may also be used for business purposes
Compare rates →On Online bank's site · Terms apply
Loans built around your paycheck, not just your score
VIVA Finance
No minimum credit scoreJudged on employmentNo prepayment penalty
- Up to $15,000 at 11.99%–35.99% APR, including all fees
- Approval is based mainly on employment — no disclosed minimum credit score
- Terms up to 36 months · no penalty for paying off early
Compare rates →On Direct lender's site · Terms apply
Debt consolidation
Good for debt consolidation Debt consolidation & flexible personal loans
Upgrade
From $1,000Terms up to 7 yearsNo prepayment fee
- $1,000–$50,000 at 7.74%–35.99% fixed APR
- 24–84 month terms · no prepayment penalty
- One-time origination fee (about 5%) is deducted from the amount deposited
Compare rates →On Direct lender's site · Terms apply
Refinancing
Best for refinancing Student-loan & personal-loan refinancing
Credible
Free to useSoft-check prequalificationNo origination fees
- Student-loan refinance from 3.64%–10.35% fixed APR (3.63%–10.72% variable)
- Prequalify in minutes with a soft credit check that won't hurt your score
- Partner lenders generally charge no origination fees · free for borrowers
Compare rates →On Marketplace's site · Terms apply
Auto loans
Auto loans & refinancing
LendingTree Auto
300+ lender networkNew, used and refinanceCompare before the dealership
- Compare offers from LendingTree's 300+ lender network
- New car, used car and refinance in one place
- Walk into the dealership already knowing your rate
Compare rates →On LendingTree's site · Terms apply
Mortgage & home
Mortgages & refinancing
LendingTree Mortgage
300+ lender networkPurchase, refi and HELOCCompare lender spread
- Compare mortgage and refinance quotes from 300+ lending partners
- Purchase, refinance and HELOC in one search
- Shopping several lenders is what actually moves your rate
Compare rates →On LendingTree's site · Terms apply
Online mortgage, refinance & home equity
Rocket Mortgage
1% down ONE+ programFHA from 580 scoreVA with $0 down
- ONE+ lets you put 1% down — Rocket adds a 2% grant (capped at $350,000)
- FHA from a 580 credit score with 3.5% down · VA loans with no down payment
- Conventional from 3% down · fixed, ARM, FHA, VA, jumbo and refinance
Compare rates →On Mortgage lender's site · Terms apply
Before you borrow
- Check your rate first: most marketplaces let you see offers with a soft pull that doesn't hurt your credit.
- Compare APR, not just the payment: fees and term length change the true cost a lot.
- Refinancing? Make sure the new rate and fees actually beat your current loan.
- Pick the cleanest total cost: the strongest loan is the one with the best APR, fees, term, and monthly fit.