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💬 Expert Tip

Always pre-qualify with at least 3 lenders before submitting a full application. Pre-qualification uses a soft pull that won’t affect your credit score while letting you compare real rate estimates side by side.

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Top Personal Loan Rates for 2026

Pre-qualified rates from trusted lenders. Checking your rate won’t affect your credit score.

Lender
APR Range
Loan Amount
Min. Credit
Action
SoFi
4.9
8.99% - 29.99%
$5K - $100K
680+

No hard pull

LightStream
4.8
6.99% - 25.49%
$5K - $100K
720+

No hard pull

Upgrade
4.7
9.99% - 35.99%
$1K - $50K
580+

No hard pull

Marcus
4.6
6.99% - 24.99%
$3.5K - $40K
660+

No hard pull

LendingClub
4.5
8.98% - 35.99%
$1K - $40K
600+

No hard pull

* Rates shown are estimates. Advertiser Disclosure: FinanceHub may receive compensation from lenders. This does not influence our editorial rankings.

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