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Last updated: August 2026

Compare Personal Loans in the USA

Review rates, terms, fees and lender features side by side

Use our independent comparison guide to research unsecured personal-loan options before visiting a lender. Checking an offer does not guarantee approval or a particular rate.

Independent affiliate comparison• No application or sensitive financial data collected here

61 days or longerMinimum permitted repayment period
Below 36% APRMaximum APR for offers promoted here
Terms varyApproval, APR, amount and funding are not guaranteed

Comparison list

Top 10 Personal Loan Providers

Compare verified lender terms before applying. Placeholder cards must be completed before this site is advertised.

  1. Top Pick
    #1

    Lender 1

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    Offer Coming Soon Add verified terms and affiliate URL

    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  2. #2

    Lender 2

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    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  3. #3

    Lender 3

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    Offer Coming Soon Add verified terms and affiliate URL

    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  4. #4

    Lender 4

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    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  5. #5

    Lender 5

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    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  6. #6

    Lender 6

    No-fee option placeholder

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    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  7. #7

    Lender 7

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    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  8. #8

    Lender 8

    Debt consolidation placeholder

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    Offer Coming Soon Add verified terms and affiliate URL

    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  9. #9

    Lender 9

    Home improvement placeholder

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    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

  10. #10

    Lender 10

    Credit union placeholder

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    Offer Coming Soon Add verified terms and affiliate URL

    Representative example: Add a verified representative example including amount borrowed, APR, term, monthly payment, all fees and total repayment.

    Lender address: Add the physical address of the business offering the loan.

Important loan disclosure: P-Loan Compare is an independent affiliate publisher, not a lender, broker, credit-repair company or financial adviser. We do not make credit decisions, arrange loans, collect applications or guarantee approval. All promoted US personal loans must require repayment over at least 61 days and have a maximum APR below 36%. Verify the lender’s final APR, finance charges, fees, payment schedule and total repayment before accepting an offer.

Understand the process

How personal-loan comparison works

A personal loan is generally repaid in fixed installments over a set period. Comparing lenders can help you understand how APR, fees, loan term and eligibility affect total borrowing cost.

Consumer information from the CFPB →
01

Compare disclosed terms

Review APR ranges, repayment periods, loan amounts, fees and representative examples.

02

Check eligibility

A lender may use a soft inquiry for prequalification; a full application may require a hard credit inquiry.

03

Review the final offer

Read the lender’s disclosures carefully. The final terms may differ from advertised examples.

Borrowing costs

What to compare beyond the monthly payment

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Annual percentage rate

APR is designed to express interest and certain loan fees as an annual cost. It is generally more useful than comparing interest rates alone.

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Fees and total repayment

Review origination, late-payment, returned-payment and other fees, plus the total amount you would repay over the full term.

Planning tool

Estimate a monthly payment

This calculator is for education only. It does not provide an offer and does not include lender fees.

Estimated monthly payment$346.65
Estimated total repayment$12,479.40

Illustrative cost example

A $10,000 loan with a 15.00% APR and a 36-month term would have an estimated monthly payment of $346.65 and estimated total repayment of $12,479.40, assuming no additional fees. This is an educational example only—not an available offer, quote or guarantee. Each lender card must display its own verified representative example before publication.

Editorial standards

How we evaluate providers

  • ✓

    Cost transparencyAPR range, fees, repayment terms and representative examples are checked before an offer goes live.

  • ✓

    Product usefulnessWe review loan amounts, term flexibility, availability, prequalification and funding information.

  • ✓

    Consumer experienceWe consider application clarity, support options, complaints and lender disclosures.

  • ✓

    Commercial transparencyCompensation may affect placement, but partners do not approve our educational content or scoring framework.

Read our full editorial policy →

Common questions

Before you apply

Does comparing offers affect my credit?+

Some lenders offer prequalification using a soft credit inquiry, which generally does not affect credit scores. Submitting a full application may result in a hard inquiry. Check the lender’s process before continuing.

Is the lowest monthly payment always best?+

No. A longer repayment period can lower the monthly payment while increasing total interest. Compare APR, fees, term and total repayment together.

Does P-Loan Compare approve or fund loans?+

No. We provide comparison and educational information only. Applications, underwriting, approvals, loan agreements and funding are handled by independent lenders or partners.

Are rates or approval guaranteed?+

No. Advertised ranges and examples are not guarantees. Your offered terms depend on lender criteria, credit history, income, debt obligations, state availability and other factors.

What should I verify before accepting a loan?+

Verify the lender’s identity and address, APR, all fees, payment amount, payment schedule, total repayment, late-payment rules, prepayment terms and privacy policy.

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