Skip to content
Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

Advertiser disclosure: some links on this page earn us a commission. It never changes what we publish, and it costs you nothing. How we make money

Personal loan lenders compared: APRs, fees and loan amounts

This list compares personal loans from banks, credit unions and online lenders using what each lender publishes: the APR range, the origination fee, how much you can borrow, the repayment terms and how fast the money arrives. We checked each lender’s own pages; where a lender doesn’t publish a number, the list says so.

The lowest APR in a range goes to borrowers with strong credit, and many lenders show your actual rate after a soft credit check that doesn’t affect your score.

36 lenders. Rates and terms checked on each lender's website on October 16, 2026. For reference, the Federal Reserve's average 24-month personal loan rate at commercial banks was 11.90% (August 2026).

Achieve

Online lender

APR
6.25% to 35.99%
Loan amounts
$5,000 to $50,000
Origination fee
1.99% to 9.99%
  • For fair or bad credit
See details

Alliant Credit Union

Credit union

APR
From 9.49%
Loan amounts
$1,000 to $100,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Same-day funding
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

Avant

Online lender

APR
9.95% to 35.99%
Loan amounts
$2,000 to $35,000
Origination fee
Varies
See details

Best Egg

Online lender

APR
6.99% to 35.99%
Loan amounts
$2,000 to $50,000
Origination fee
0.99%-9.99%
See details

BHG Financial

Online lender

APR
6.49% to 28.89%
Loan amounts
Up to $250,000
Origination fee
Varies
  • Loans of $75,000 or more
See details

Citi

Bank

APR
10.24% to 18.49%
Loan amounts
$2,000 to $30,000
Origination fee
None
  • No origination fee
  • Banks
  • Same-day funding
See details

Discover

Bank

APR
6.99% to 24.99%
Loan amounts
$2,500 to $40,000
Origination fee
None
  • No origination fee
  • Banks
See details

Happen Bank

Bank

APR
5.96% to 35.99%
Loan amounts
$1,000 to $75,000
Origination fee
0.00% to 8.00%
  • Banks
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

LendingPoint

Online lender

APR
7.99% to 35.99%
Loan amounts
$1,000 to $36,500
Origination fee
Varies
  • Loans of $1,000 or less
See details

LightStream

Online lender

APR
9.99% to 25.44%
Loan amounts
$5,000 to $100,000
Origination fee
None
  • No origination fee
  • Same-day funding
  • Loans of $75,000 or more
See details

Mariner Finance

Online lender

APR
15.99% to 35.99%
Loan amounts
$1,000 to $25,000
Origination fee
Varies
  • Loans of $1,000 or less
See details

Navy Federal Credit Union

Credit union

APR
8.74% to 18.00%
Loan amounts
$250 to $150,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Same-day funding
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

Oportun

Online lender

APR
Up to 36.00%
Loan amounts
$300 to $10,000
Origination fee
Varies
  • For fair or bad credit
  • Loans of $1,000 or less
See details

OppLoans

Online lender

APR
Up to 195.00%
Loan amounts
$500 to $5,000
Origination fee
None
  • No origination fee
  • For fair or bad credit
  • Same-day funding
  • Loans of $1,000 or less
  • APR above 36%
See details

Patelco Credit Union

Credit union

APR
6.99% to 17.90%
Loan amounts
$300 to $100,000
Origination fee
None
  • No origination fee
  • Credit unions
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

PNC Bank

Bank

APR
6.99% to 25.29%
Loan amounts
$5,000 to $35,000
Origination fee
None
  • No origination fee
  • Banks
See details

Prosper

Online lender

APR
8.99% to 35.99%
Loan amounts
$2,000 to $50,000
Origination fee
1% to 9.99%
See details

Regions Bank

Bank

APR
8.74% to 29.99%
Loan amounts
$2,000 to $50,000
Origination fee
None
  • No origination fee
  • Banks
See details

Rocket Loans

Online lender

APR
7.99% to 29.99%
Loan amounts
$2,000 to $75,000
Origination fee
Up to 9.99%
  • Same-day funding
  • Loans of $75,000 or more
See details

SoFi

Online lender

APR
6.99% to 35.49%
Loan amounts
$5,000 to $100,000
Origination fee
0%-7%
  • Same-day funding
  • Loans of $75,000 or more
See details

U.S. Bank

Bank

APR
9.24% to 24.99%
Loan amounts
$1,000 to $50,000
Origination fee
None
  • No origination fee
  • Banks
  • Same-day funding
  • Loans of $1,000 or less
See details

Universal Credit

Online lender

APR
11.69% to 35.99%
Loan amounts
$1,000 to $50,000
Origination fee
5.25%-9.99%
  • Loans of $1,000 or less
See details

Upgrade

Online lender

APR
7.74% to 35.99%
Loan amounts
$1,000 to $50,000
Origination fee
1.85%-9.99%
  • Loans of $1,000 or less
See details

Upstart

Online lender

APR
6.30% to 35.99%
Loan amounts
$1,000 to $75,000
Origination fee
Varies
  • For fair or bad credit
  • Loans of $75,000 or more
  • Loans of $1,000 or less
See details

USAA

Bank

APR
From 9.99%
Loan amounts
$2,500 to $100,000
Origination fee
Varies
  • Banks
  • Loans of $75,000 or more
See details

Wells Fargo

Bank

APR
6.74% to 26.74%
Loan amounts
$3,000 to $100,000
Origination fee
Not stated
  • Banks
  • Same-day funding
  • Loans of $75,000 or more
See details

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

How we make money

Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

What we are not

Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.