Top Personal Loans
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Personal loans can be a great way to consolidate high-interest debt or finance a large expense like a home improvement project. Interest rates on personal loans are usually much lower than credit cards, especially if you have good credit. Beware of using a personal loan for discretionary expenses. For purchases like these, it’s best to pay with cheaper options like a 0%-interest credit card or, with money you’ve saved up.
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Loans Amounts
They typically range from $1,000 to $50,000, with few lenders offering loan amounts up to $100,000.Â
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Funding
Online lending platforms typically fund within a matter of days and funds are sent via ACH direct to your bank account. You then are responsible for paying off any credit cards if you consolidating debt. Read our advice on keeping some lines open with $0 balance in order to increase your credit score.Â
Below we have listed our top personal loans with the lowest rates, fees, and top customer service.
Wallet Wisely's top personal loans
Lender |
Rates |
Loan Amounts |
Minimum Credit Scored Needed |
|
|---|---|---|---|---|
|
SoFi
|
8.99% - 23.43%
|
$5,000 - $100,000
|
650
|
 |
|
Lightstream
|
5.99% - 23.99%
|
$5,000 - $100,000
|
660
|
|
|
Happy Money |
10.50% - 29.99%
|
$5,000 - $40,000
|
640
|
|
|
Best Egg |
8.99% - 35.99%
|
$2,000 - $50,000
|
600
|
|
|
Upstart
|
6.7% - 35.99%
|
$2,000 - $35,000
|
580
|
|
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