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comparebankloans
Last updated: May 2026How we rate

Best Personal Loans of 2026

Compare every major lender in one place.

Personal loans give you a fixed monthly payment and a clear payoff date. The lenders below cover every credit tier from excellent (740+) down to fair (580+), with loan amounts from $1k to $100k. Pre-qualify with three or four to see real offers without affecting your credit.

Are you eligible for a better rate?

1
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Alpha Lending (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

2
Theta Loans logo
Best for Lowest APR
Theta Loans951 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Theta Loans (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

3
Beta Financial logo
Best for Fast funding
Beta Financial1,363 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Beta Financial (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

4
Eta Lending logo
Best for Bad credit
Eta Lending1,775 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Eta Lending (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

5
Gamma Bank logo
Best for Large loans
Gamma Bank2,187 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Gamma Bank (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

6
Epsilon Direct logo
Best for Customer service
Epsilon Direct2,599 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Epsilon Direct (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

7
Iota Mortgage logo
Best for Soft credit pull
Iota Mortgage3,011 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Iota Mortgage (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

8
Zeta Capital logo
Best for No origination fee
Zeta Capital3,423 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Zeta Capital (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

9
Kappa Trust logo
Best for Repeat borrowers
Kappa Trust3,835 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Kappa Trust (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

10
Delta CU logo
Best for Branch network
Delta CU4,247 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Delta CU (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

Our Top Choice

Most Popular on comparebankloans
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Alpha Lending (Personal Loans). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate

Frequently asked questions

  • What credit score do I need?
    Most lenders require 580+; the best rates are at 720+. Some lenders accept 500+ at meaningfully higher APRs.
  • Can I use a personal loan for anything?
    Almost. Most lenders prohibit using funds for post-secondary education, gambling, illegal activity, or securities purchases. Otherwise, personal loans are flexible.
  • How fast is funding?
    Most online lenders fund within 1-3 business days of accepting your offer. Bank lenders can take 5-10 business days.
  • Are there fees?
    Most lenders charge a 0-8% origination fee deducted from the disbursement. Some lenders advertise 'no origination fee' but bake the cost into a higher rate.