SwitchWizeSmart financial decisions

14 lenders · Reviewed regularly

Personal loan rates — find what you actually qualify for

Set your loan amount and current rate. Every lender shows the real dollars you save per year. No credit pull to compare.

Independent rankingsMethodology →
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Loan amount$10,000
$1K$100K
Your current APR20.5%
3%36%
Top pick saves you
$1,453
per year vs. your 20.5% rate · $304/mo at 5.96% APR

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MethodologyRanked by true cost: APR range (low end), origination fee, funding speed, minimum credit score, loan amount range, and lender trust.
Showing 14
Our takeGood for borrowers prioritizing no origination fee at 5.96% APR. Borrow $1,000–$60,000.
1
LE
LendingClub
LendingClubLowest APR
NMLS verified$1,000–$60,000
APR
5.96%
$1,453
saved per year vs. your rate
Market avg 11.48%5.52% below avg
$304/mo on $10,000 · 36-mo term
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Our takeGood for borrowers prioritizing no origination fee at 5.99% APR.
2
RF
Reach Financial
Reach Financial
NMLS verified
APR
5.99%
$1,450
saved per year vs. your rate
Market avg 11.48%5.49% below avg
$304/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 6.09% APR. Borrow $600–$50,000.
3
PC
PenFed Credit Union
PenFed Credit UnionTrusted
NMLS verified$600–$50,000
APR
6.09%
$1,440
saved per year vs. your rate
Market avg 11.48%5.39% below avg
$305/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 6.2% APR. Borrow $1,000–$75,000.
4
UP
Upstart
UpstartTrusted
NMLS verified$1,000–$75,000
APR
6.20%
$1,429
saved per year vs. your rate
Market avg 11.48%5.28% below avg
$305/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 6.25% APR. Borrow $5,000–$50,000.
5
AC
Achieve
Achieve
NMLS verified$5,000–$50,000
APR
6.25%
$1,424
saved per year vs. your rate
Market avg 11.48%5.23% below avg
$305/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 6.99% APR. Borrow $5,000–$100,000.
6
SO
SoFi
SoFiTrusted
NMLS verified$5,000–$100,000
APR
6.99%
$1,350
saved per year vs. your rate
Market avg 11.48%4.49% below avg
$309/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 6.99% APR. Borrow $2,000–$50,000.
7
BE
Best Egg
Best EggTrusted
NMLS verified$2,000–$50,000
APR
6.99%
$1,350
saved per year vs. your rate
Market avg 11.48%4.49% below avg
$309/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 7.24% APR. Borrow $5,000–$100,000.
8
LI
LightStream
LightStreamTrusted
NMLS verified$5,000–$100,000
APR
7.24%
$1,325
saved per year vs. your rate
Market avg 11.48%4.24% below avg
$310/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 7.74% APR. Borrow $1,000–$50,000.
9
UP
Upgrade
Upgrade
NMLS verified$1,000–$50,000
APR
7.74%
$1,275
saved per year vs. your rate
Market avg 11.48%3.74% below avg
$312/mo on $10,000 · 36-mo term
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Full review·
Our takeGood for borrowers prioritizing no origination fee at 7.95% APR. Borrow $5,000–$50,000.
10
HM
Happy Money
Happy Money
NMLS verified$5,000–$50,000
APR
7.95%
$1,254
saved per year vs. your rate
Market avg 11.48%3.53% below avg
$313/mo on $10,000 · 36-mo term
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Full review·