Top 10 Personal Loans

How Much Will the Fed’s Near-Zero Rates Actually Help Borrowers?

How Much Will the Fed’s Near-Zero Rates Actually Hel...

Mar. 24, 2020

Here is proof that even the darkest clouds have a silver lining. As humanity faces its greatest challenge this century, one small upshot is that bo...

The Best Personal Loans for 2020

Mar. 22, 2020

The personal loans industry is competitive, with hundreds of lenders competing for the attention of borrowers. With so much choice, it can be hard ...

LightStream vs. SoFi: Which Lender is Best If You Have Good Credit?

LightStream vs. SoFi: Which Lender is Best If You Ha...

Mar. 19, 2020

The financial services industry of today is full of companies promising easily approved loans with good rates no matter what your credit’s like. Th...

Best Personal Loan Companies If You Have Good Credit

Mar. 18, 2020

When you apply for a personal loan, one of the factors that stands above all others in determining your rate is your credit score. The higher your ...

Direct Lenders vs. Lending Marketplaces: What’s the Difference and Which is Best for You?

Direct Lenders vs. Lending Marketplaces: What’s the ...

Mar. 03, 2020

Direct lenders provide personal loans and other lending products directly to consumers. The big banks used to dominate the direct lending space, bu...

Should You Use a Personal Loan to Help Pay Off Your Student Debt?

Should You Use a Personal Loan to Help Pay Off Your ...

Mar. 03, 2020

So, you have student debt? You’re not alone, according to the latest Federal Reserve data, which shows that Americans owe more than $1.5 trillion o...

How to Make This Your Last Personal Loan And Set Yourself Up for Financial Security

How to Make This Your Last Personal Loan And Set You...

Mar. 03, 2020

If you’re in the market for a personal loan, you’re not the only one. Personal loans are the fastest-growing consumer credit product in the United ...

7 Signs an Online Loan Company is Legitimate

Mar. 03, 2020

There are plenty of ways to borrow money. A popular choice is to go with an online personal loan provider. If you do not like the terms of a tradit...

This 7-Step Guide Will Ensure You Choose a Personal Loan Provider You Can Trust

This 7-Step Guide Will Ensure You Choose a Personal ...

Mar. 03, 2020

Getting a personal loan can be a long and complex process. Ideally, your personal loan will help you to make the purchases you need or cope with em...

How Long Does it Really Take to Get Approved for a Personal Loan?

How Long Does it Really Take to Get Approved for a P...

Feb. 26, 2020

If you’re waiting for approval for a personal loan, you’re likely eager to find out that you’ll be approved. Although it feels like it takes a long...

These 7 Essential Budgeting Tips Will Help You Save Money for What Really Matters

These 7 Essential Budgeting Tips Will Help You Save ...

Feb. 26, 2020

Having an effective budget means you'll be able to save money and feel more secure so that you can splurge on things like a fancy meal with friends...

SoFi-Wealth: The Wealth Management Platform for the Average Joe

SoFi-Wealth: The Wealth Management Platform for the ...

Feb. 26, 2020

In its latest move towards educating and empowering its customers, leading personal loan provider SoFi has introduced SoFi Wealth, a native wealth ...

The Dos and Don’ts of Taking Out a Personal Loan

Feb. 26, 2020

Taking out a personal loan can be a smart and highly-effective way to consolidate your debt, which is the most common reason to take out such a loa...

5 Facts About Personal Loans You Need to Know

Feb. 26, 2020

More Americans are using personal loans in 2018 than at any other time in history, thanks largely to the rise of online lenders. To understand why,...

5 Ways You Can Rebuild Your Bad Credit Score

Feb. 26, 2020

Your credit score reflects your financial health, and you probably only notice it when it’s bad. Every adult in the US has a 3-digit credit ranking...

Personal Loans vs Credit Cards: Which Should You Choose?

Personal Loans vs Credit Cards: Which Should You Cho...

Feb. 26, 2020

Maintaining financial security isn’t just a matter of making all your expenses every month, it also means clearing enough to put some away for a ra...

How Are Interest Rates and APR Percentages Calculated?

Feb. 26, 2020

Before you head to the bank to take out a loan for a new car, small business or other investments, take the time to fully understand how your inter...

Consumers Turning to Personal Loans Over Credit Cards

Feb. 26, 2020

The number of people taking out loans in the US has been steadily on the rise in the years since the mortgage crisis. As the economy recovers, more...

SoFi Community: This Loan Provider Wants to Take You Out For Drinks

SoFi Community: This Loan Provider Wants to Take You...

Feb. 26, 2020

How would you like it if your loan provider invited you out for drinks? Maybe yoga is more your speed? That's no problem. If you're working with So...

How to Use a Personal Loan to Finance Your Wedding

Feb. 26, 2020

The cost of planning a wedding has climbed high, making it difficult for the average Jane to make a wedding on the average monthly salary. For this...

Online Personal Loans vs. Traditional Bank Loans: Which is Better for You?

Online Personal Loans vs. Traditional Bank Loans: Wh...

Feb. 26, 2020

Online lending has become a booming industry in recent years, providing loans to countless people who prefer the ease, speed, and competitive rates...

No Credit Check Loans: Reasons to Avoid Them and the Alternatives Available

No Credit Check Loans: Reasons to Avoid Them and the...

Feb. 26, 2020

When you need instant cash, it might be tempting to take whatever loan you can—including a no credit check loan. But before taking this or any othe...

Why Payday Loans Are a Bad Idea and What You Can Do Instead

Why Payday Loans Are a Bad Idea and What You Can Do ...

Feb. 26, 2020

A payday loan (or cash advance loan) is a high-interest loan that borrowers can turn to when they have an immediate need for cash. Payday loans are...

Best Unsecured Personal Loans

Feb. 26, 2020

Sometimes you may need to secure a loan and find this easier said than done. A popular option is to look for unsecured personal loans—offered by ma...

How Best Egg Compares to Other Top Loan Providers

Feb. 26, 2020

Best Egg is a completely-online lending platform that streamlines loan applications, allowing you to apply and get approved, within as little as 24...

Best Personal Loan Options for Military Veterans

Feb. 25, 2020

Getting back to civilian life can be tough for military veterans, and financial issues can often arise. Many vets find that without the regular ser...

Best Personal Loan Providers For Building Your Dream Pool

Best Personal Loan Providers For Building Your Dream...

Feb. 25, 2020

If you love the idea of adding a pool to your home but don’t have the financial means to do so, a personal loan can be a good option for making you...

The Millennial's Guide to Being a Grown Up With Money

Feb. 25, 2020

Millennials have more positive opportunities than Baby Boomers and Gen Xers did. Millennials have a wealth of internet knowledge at their fingertip...

Short Repayment Terms vs. Longer Loans: How They Work and Which is Best For You

Short Repayment Terms vs. Longer Loans: How They Wor...

Feb. 25, 2020

The monthly cost of a personal loan is determined by 3 factors: loan amount, interest rate, and loan term. The bank decides the interest rate based...

Personal Loans for Bankrupts: How to Get Back on Your Feet

Personal Loans for Bankrupts: How to Get Back on You...

Feb. 25, 2020

Declaring bankruptcy used to carry stigma, but today declaring bankruptcy is mainly seen as a necessary step taken to repair financial well-being. ...

Online Personal Loans with a Cosigner

Feb. 25, 2020

If you have less than ideal credit or no collateral to put down, it can be difficult to get a personal loan with a low interest rate. This is where...

6 Steps Towards Getting the Best Personal Loan at the Best Rates

6 Steps Towards Getting the Best Personal Loan at th...

Feb. 25, 2020

What do you do when extra expenses come knocking and you just don’t have the money? You can borrow against your house or car, but then there’s a ri...

Top 5 Personal Loans for Debt Consolidation

Feb. 25, 2020

If you need a personal loan to consolidate credit card debt, there are plenty of lenders who can help you pay off your debt faster and more efficie...

10 Personal Finance Habits That Will Set You Up For Financial Security

10 Personal Finance Habits That Will Set You Up For ...

Feb. 25, 2020

Good personal finance habits aren’t only about saving money. They are about building patterns of behavior that keep you in control of your money, w...

Personal Loans to Become Cheaper as Fed Cuts Interest Rates

Personal Loans to Become Cheaper as Fed Cuts Interes...

Feb. 25, 2020

Personal loans are the fastest growing form of consumer credit in the United States and they’re about to become even more popular.

These Simple Steps Can Help You Improve Your Credit Score

These Simple Steps Can Help You Improve Your Credit ...

Feb. 25, 2020

Applying for a term loan can be difficult and tedious, not to mention all the different eligibility criteria. Applying for a loan? Be aware of the ...

The 5 Best Short-Term Loan Companies

Feb. 25, 2020

Short-term loans are generally unsecured personal loans that have repayment terms of 3 years or fewer. Short-term loans are also useful as a “bridg...

The 5 Best Long Term Personal Loan Companies

Feb. 25, 2020

A long-term personal loan is essentially any loan with a repayment period longer than around 3 years. Long-term personal loans usually offer higher...

Best Personal Loans for Excellent, Good & Fair Credit Scores

Best Personal Loans for Excellent, Good & Fair Credi...

Feb. 25, 2020

Many people seek out personal loans without really understanding the mechanics behind the process. Getting accepted by a lender for a personal loan...

The Best Personal Loan Companies for Every Loan Type

Feb. 25, 2020

There are many types of personal loans, sometimes also referred to as signature loans, available from online lenders. Although most loan providers ...

What It’s Really Like to Take out a Personal Loan: Tips and Tricks From 3 Borrowers

What It’s Really Like to Take out a Personal Loan: T...

Feb. 25, 2020

If you haven’t applied for a personal loan before, you may not know what to expect. Thankfully, the process is pretty straightforward at most onlin...

Learn How to Make the Most of the New FICO Credit Score Formula

Learn How to Make the Most of the New FICO Credit Sc...

Feb. 19, 2020

Your FICO credit score is a big deal. The slightest change in your score can mean the difference between loan approval or rejection, or between a g...

The Top Personal Loan Providers for Funding Holiday Purchases

The Top Personal Loan Providers for Funding Holiday ...

Feb. 16, 2020

‘Tis the season for early holiday gift shopping–and for figuring out how to fund all those expensive purchases.

The Best Personal Loan Providers for Covering Medical Expenses

The Best Personal Loan Providers for Covering Medica...

Feb. 16, 2020

High medical costs can add insult to injury when you're recovering from a medical emergency. Even people who have medical insurance can find themse...

What to Look For When Applying for a Personal Loan

Feb. 14, 2020

Taking out a personal loan can be a wise decision if you’re looking to consolidate debt or make a purchase that you simply don’t have the funds to ...

Best Personal Loans for Home Improvement

Feb. 06, 2020

If you’re looking to make renovations but don’t yet have the cash flow, a home improvement loan is a solid way to get the funds you need, with term...

Best Secured Loans of 2020

Feb. 06, 2020

A secured personal loan is called that because the loan is secured by some form of collateral. Unsecured personal loans rely on your personal credi...

Top 5 Personal Loan Providers If You Have Bad Credit

Jan. 22, 2020

Getting a personal loan with bad credit can be tough, but thanks to a few specialist lenders it’s a lot easier than you may think. When a lender as...

Ask the Expert: Everything You Wanted to Know About Personal Loans But Were Too Afraid to Ask

Ask the Expert: Everything You Wanted to Know About ...

Jan. 21, 2020

Taking the time to research—and in particular getting some expert advice—can help you make sure you get a personal loan that gives you some financi...

The Ultimate Guide to Personal Loans

Jan. 21, 2020

From peer-to-peer lenders and micro loan websites to major brick and mortar banks, there are all types of avenues to find your personal loan. Befor...

Personal Loans: When Are They a Good Idea and When Are They Not?

Personal Loans: When Are They a Good Idea and When A...

Jan. 21, 2020

If you’re in need of a large sum of money to pay off credit-card debt or fund a large purchase, a personal loan can be a tempting option.

How to Get the Best Out of Personal Loan Interest Rates

Jan. 13, 2020

Whether it's for purchasing a car or house, consolidating debt or for general expenses, you may be considering taking out a personal loan. Personal...

The One Hack That Will Instantly Boost Your Credit Score

The One Hack That Will Instantly Boost Your Credit S...

Dec. 08, 2019

What if there were something you could do to instantly improve your credit score, possibly by more than 20 points? That something, according to a n...

Top 8 Warning Signs of a Lending Scam

Jul. 31, 2019

A personal loan is a loan for all seasons, and lenders will let you use them for virtually anything. Planning to consolidate debt, make home improv...

Which Are The Best Personal Loan Providers for Students?

Which Are The Best Personal Loan Providers for Stude...

Jul. 29, 2019

If, like most undergrads, you’re defined as a “dependent student,” you’re entitled to borrow up to $5,500 in federal student loans (also known as S...

Get the Lowdown on How to Calculate Your Credit Score

Jul. 25, 2019

If you’ve ever applied for a loan, tried to buy a large item on a financing plan, or have a credit card, you’ll have been asked about your credit s...

The 7 Best Loan Options For People With Bad Credit

Jul. 24, 2019

Bad credit can make loan providers wary of lending money to you. Personal unsecured loans, which are the fastest and easiest type of borrowing, mig...

Secured vs. Unsecured Loans in a Nutshell

Jul. 24, 2019

If you need some extra funds, one of the most important things to know is the best type of personal loan for your needs. When it comes to personal ...

Paying Off a Loan Early: Should You or Shouldn’t You?

Jul. 22, 2019

A personal loan is typically a small loan ranging from several hundred dollars to as much as $100,000. These are more likely to be unsecured loans....

How to Find the Right Loan For You

Jul. 18, 2019

Now that you’ve decided to take out a loan, how do you decide which type is the best personal loan for you? The first question to ask yourself is, ...

The Smart Way to Repay Your Loan

Jul. 08, 2019

The best strategy for paying off a personal loan can be summed up in one word: preparation. No 2 borrowers are equal, and a loan perfectly suited t...

Personal Loan APRs

The APR calculation on personal loans will vary depending on your lender, but it will typically be lower than what you would receive from a payday or short-term loan – usually starting at 10% and capping at 35.99%. It is not ideal to owe any money, but if you require a loan, then a personal loan could certainly be a viable option.

APR rates mentioned include associated fees.

Full repayment for the loans displayed range between 61 days to 180 months.

Representative example: assuming a loan of $10,000 over 60 months at a fixed rate of 3.1% per annum and fees of $60.00. This would result in a representative rate of 3.3% APR, with monthly repayments of $180.80, for a total amount paid of $10,848.00.

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