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Advertiser disclosure You're our first priority. Each time. We believe everyone should be able to make sound financial decisions with confidence. While our website doesn't feature every company or financial product that is available, we're proud that the guidance we offer, the information we provide and the tools we create are impartial, independent simple, and cost-free. So how do we earn money? Our partners compensate us. This can influence the products we write about (and where those products appear on the site) however it in no way affects our recommendations or advice that are based on thousands of hours of research. Our partners are not able to pay us to guarantee favorable reviews of their products or services. .
Personal Loan Calculator
Utilize a personal loan calculator to estimate the monthly payments and total interest cost of a loan.
Updated on September 9, 2022.
Many or all of the products featured here are from our partners who compensate us. This affects the products we write about and the location and manner in which the product appears on the page. However, this does not affect our assessments. Our views are our own. Here's a list of and .
Personal loan calculator can determine your monthly payments and the anticipated loan payoff date. Use this calculator to weigh the amount you are able to borrow and the length of time the loan will require to pay back in accordance with your credit score, loan amount and repayment term.
Personal loan calculator
Personal loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score rate and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
On Upgrading
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact on credit score, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 18.0-35.99%
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores rates and fees, the customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees, customer service and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, such as the impact on credit scores rate and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
How to find a personal loan
Once you've identified the loan amount as well as the rate and repayment time you're after, it's the time to shop and evaluate deals. Here are the steps :
Check your credit. Check your credit report to find any mistakes and rectify them before you apply. It is possible to obtain the free copy of your report from all three credit bureaus by calling .
Pre-qualify. Most lenders let you pre-qualify for a loan to view estimated rates without affecting the credit rating. When you apply, you'll be required to submit basic details such as employment status and annual income, in addition to the reason you're borrowing it and requested loan amount.
Compare lenders . A loan's annual percentage rate, fees and monthly payment are usually the most important aspects to consider when comparing. If you're faced with two competing loan offers, think about the time to fund, the flexibility of payment and other perks such as unemployment protection.
See if you pre-qualify for a personal loan without impacting your credit score
Answer a few simple questions to receive an estimate of your personal rate from a variety of lenders.
The loan amount
on NerdWallet
How to use the personal loan calculator
Select your . If, for instance, you have a credit score of 740 points, you're within the top range. You can check your score on NerdWallet.
Select your preferred loan amount and loan term. Personal loan amounts can range from $1000 to $100,000 and the typical repayment term is one to seven years. A longer loan period will result in lower monthly payments, but greater interest charges.
Pick your loan start date. Enter your first expected date of payment, which is often within 30 to 45 days following signing the loan agreement. If you're not sure what the date of your payment will be, choose the date that's 30 days after that date.
Click calculate to see the results. Results are based upon an analysis of the annual percent rates that lenders offer on the NerdWallet personal loan marketplace. Some of those lenders appear in the rankings.
Knowing the private loan calculator results
The monthly payment is the amount you can expect to pay each month depending upon the loan size, loan term and your estimated rate. The monthly payments are lower if you choose the longer loan time.
Estimated APR: Borrowers with higher credit scores typically receive lower , but lenders may consider your credit score, in addition to other variables. The majority of personal loans come with fixed rates, which means that your interest rate and monthly payments won't change over the life of the loan. APRs are based on one-time fees to pay for the costs for processing the loan.
Here is the estimated score for each credit score range:
What's your credit score?
Score range
Estimated APR
Excellent
720-850.
11.3%.
Good
690-719.
15.6%
Fair
630-689.
22.3%.
Bad
300-629.
25.2%.
Source The average rates are calculated based on aggregated information from offer data that is anonymized from those who have pre-qualified on NerdWallet's marketplace for lenders from June 1, 2022, to October. 31st 2022. Rates are estimates only and are not applicable to any particular lender. The lowest credit scores -- usually less than a credit score of 500 will not be eligible. Information in this table applies only to lenders that have APRs lower than 36 percent.
Total repaid The total repaid is the amount that you'll be able to pay back in addition to interest at the end duration of loan. Someone with a good credit score will probably pay lower interest than someone with a poor credit score (a score less than 630). The longer your loan period, the greater cost of interest you'll be paying.
Payoff date: The day you're expected to pay the loan off in the event that you make the same monthly installment for the life of the loan. The amortization table shows how much the loan balance will go down every month, and how payment will be split between principal and interest.
>> MORE:
The year's best personal loans
Browse our Best-Of Awards to review the best personal loans and choose the right one for your project.
Other loan calculators
Find your debt-to income ratio which is the total of your monthly debt payments divided by your income.
Learn about how debt consolidation works and calculate how much consolidating debt could save you.
Learn about the personal loan choices your credit will provide you with.
Make use of this calculator to find out if refinancing an existing personal loan makes sense for you.
>> See more of NerdWallet's
Frequently asked questions What can I use a personal loan to use it for?
You may do it, such as consolidating debt, home improvements projects, or refinancing an existing loan.
What is the best interest rate for a personal loan?
The best private loan rates are the cheapest one that you are eligible for. Customers with excellent or excellent credit (690 or more credit score) can expect the lowest rates. People with lower credit scores and higher ratios of debt-to-income typically are charged higher APRs.
What is the best location to get an individual loan?
depends on factors including the lender's minimum qualifications as well as the rates and fees it charges, and the loan terms, amounts and other features that matter to you.
How do I get a personal loan quick?
Choose a lender that offers . Many of these lenders are able to pay a loan on the same or the next day after approval. To speed up the process, collect documents like W-2s, bank statements, and pay stubs prior to submitting your application.
How do I obtain a personal loan even if I have bad credit?
The first step is to compare the loan that has a low APR and affordable monthly payments. To increase the chance of being accepted, you should consider adding a co-applicant or collateral to the loan application. Secured and co-signed loans often have softer qualifiction requirements.
What can I make use of my personal loan for?
You may do it, such as debt consolidation, home improvement projects, or refinancing an existing loan.
What's the best rate of interest for an individual loan?
The best rate for a personal loan rates are the one with the lowest one you qualify for. People with excellent or good credit (690 or better credit score) will be able to get the best rates. Credit score - Poorer borrowers and higher debt-to-income ratios typically have higher rates of APR.
Where is the best place to get the personal loan?
It is contingent upon factors such as the lender's minimum qualifications in addition to the fees and rates they charge, as well as the loan amounts, terms , and other factors that matter to you.
How can I get a personal loan quickly?
Choose a lender that offers . A lot of these lenders are able to fund the loan within the same or next day following approval. To speed up the process, gather documents such as W-2s and pay stubs and bank statements before you apply.
What can I do to get a personal loan with bad credit?
First, compare to find the loan with the lowest APR and affordable monthly installments. To increase your chance of qualifying, you should consider adding a co-applicant or collateral to the loan application. Co-signed and secured loans often have softer qualifiction requirements.
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Advertiser disclosure You're our first priority. Each time. We believe everyone should be able to make sound financial decisions with confidence. While our website doesn't feature every company or financial product that is available, we're proud that the guidance we offer, the information we provide and the tools we create are impartial, independent simple, and cost-free. So how do we earn money? Our partners compensate us. This can influence the products we write about (and where those products appear on the site) however it in no way affects our recommendations or advice that are based on thousands of hours of research. Our partners are not able to pay us to guarantee favorable reviews of their products or services. .
Personal Loan Calculator
Utilize a personal loan calculator to estimate the monthly payments and total interest cost of a loan.
Updated on September 9, 2022.
Many or all of the products featured here are from our partners who compensate us. This affects the products we write about and the location and manner in which the product appears on the page. However, this does not affect our assessments. Our views are our own. Here's a list of and .
Personal loan calculator can determine your monthly payments and the anticipated loan payoff date. Use this calculator to weigh the amount you are able to borrow and the length of time the loan will require to pay back in accordance with your credit score, loan amount and repayment term.
Personal loan calculator
Personal loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score rate and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
On Upgrading
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact on credit score, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 18.0-35.99%
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores rates and fees, the customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees, customer service and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit score rate and fees, the customer experience and ethical lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, such as the impact on credit scores rate and fees, the customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit scores rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 percent
Loan amount $1,000 - $50,000
on Upstart
How to find a personal loan
Once you've identified the loan amount as well as the rate and repayment time you're after, it's the time to shop and evaluate deals. Here are the steps :
Check your credit. Check your credit report to find any mistakes and rectify them before you apply. It is possible to obtain the free copy of your report from all three credit bureaus by calling .
Pre-qualify. Most lenders let you pre-qualify for a loan to view estimated rates without affecting the credit rating. When you apply, you'll be required to submit basic details such as employment status and annual income, in addition to the reason you're borrowing it and requested loan amount.
Compare lenders . A loan's annual percentage rate, fees and monthly payment are usually the most important aspects to consider when comparing. If you're faced with two competing loan offers, think about the time to fund, the flexibility of payment and other perks such as unemployment protection.
See if you pre-qualify for a personal loan without impacting your credit score
Answer a few simple questions to receive an estimate of your personal rate from a variety of lenders.
The loan amount
on NerdWallet
How to use the personal loan calculator
Select your . If, for instance, you have a credit score of 740 points, you're within the top range. You can check your score on NerdWallet.
Select your preferred loan amount and loan term. Personal loan amounts can range from $1000 to $100,000 and the typical repayment term is one to seven years. A longer loan period will result in lower monthly payments, but greater interest charges.
Pick your loan start date. Enter your first expected date of payment, which is often within 30 to 45 days following signing the loan agreement. If you're not sure what the date of your payment will be, choose the date that's 30 days after that date.
Click calculate to see the results. Results are based upon an analysis of the annual percent rates that lenders offer on the NerdWallet personal loan marketplace. Some of those lenders appear in the rankings.
Knowing the private loan calculator results
The monthly payment is the amount you can expect to pay each month depending upon the loan size, loan term and your estimated rate. The monthly payments are lower if you choose the longer loan time.
Estimated APR: Borrowers with higher credit scores typically receive lower , but lenders may consider your credit score, in addition to other variables. The majority of personal loans come with fixed rates, which means that your interest rate and monthly payments won't change over the life of the loan. APRs are based on one-time fees to pay for the costs for processing the loan.
Here is the estimated score for each credit score range:
What's your credit score?
Score range
Estimated APR
Excellent
720-850.
11.3%.
Good
690-719.
15.6%
Fair
630-689.
22.3%.
Bad
300-629.
25.2%.
Source The average rates are calculated based on aggregated information from offer data that is anonymized from those who have pre-qualified on NerdWallet's marketplace for lenders from June 1, 2022, to October. 31st 2022. Rates are estimates only and are not applicable to any particular lender. The lowest credit scores -- usually less than a credit score of 500 will not be eligible. Information in this table applies only to lenders that have APRs lower than 36 percent.
Total repaid The total repaid is the amount that you'll be able to pay back in addition to interest at the end duration of loan. Someone with a good credit score will probably pay lower interest than someone with a poor credit score (a score less than 630). The longer your loan period, the greater cost of interest you'll be paying.
Payoff date: The day you're expected to pay the loan off in the event that you make the same monthly installment for the life of the loan. The amortization table shows how much the loan balance will go down every month, and how payment will be split between principal and interest.
>> MORE:
The year's best personal loans
Browse our Best-Of Awards to review the best personal loans and choose the right one for your project.
Other loan calculators
Find your debt-to income ratio which is the total of your monthly debt payments divided by your income.
Learn about how debt consolidation works and calculate how much consolidating debt could save you.
Learn about the personal loan choices your credit will provide you with.
Make use of this calculator to find out if refinancing an existing personal loan makes sense for you.
>> See more of NerdWallet's
Frequently asked questions What can I use a personal loan to use it for?
You may do it, such as consolidating debt, home improvements projects, or refinancing an existing loan.
What is the best interest rate for a personal loan?
The best private loan rates are the cheapest one that you are eligible for. Customers with excellent or excellent credit (690 or more credit score) can expect the lowest rates. People with lower credit scores and higher ratios of debt-to-income typically are charged higher APRs.
What is the best location to get an individual loan?
depends on factors including the lender's minimum qualifications as well as the rates and fees it charges, and the loan terms, amounts and other features that matter to you.
How do I get a personal loan quick?
Choose a lender that offers . Many of these lenders are able to pay a loan on the same or the next day after approval. To speed up the process, collect documents like W-2s, bank statements, and pay stubs prior to submitting your application.
How do I obtain a personal loan even if I have bad credit?
The first step is to compare the loan that has a low APR and affordable monthly payments. To increase the chance of being accepted, you should consider adding a co-applicant or collateral to the loan application. Secured and co-signed loans often have softer qualifiction requirements.
What can I make use of my personal loan for?
You may do it, such as debt consolidation, home improvement projects, or refinancing an existing loan.
What's the best rate of interest for an individual loan?
The best rate for a personal loan rates are the one with the lowest one you qualify for. People with excellent or good credit (690 or better credit score) will be able to get the best rates. Credit score - Poorer borrowers and higher debt-to-income ratios typically have higher rates of APR.
Where is the best place to get the personal loan?
It is contingent upon factors such as the lender's minimum qualifications in addition to the fees and rates they charge, as well as the loan amounts, terms , and other factors that matter to you.
How can I get a personal loan quickly?
Choose a lender that offers . A lot of these lenders are able to fund the loan within the same or next day following approval. To speed up the process, gather documents such as W-2s and pay stubs and bank statements before you apply.
What can I do to get a personal loan with bad credit?
First, compare to find the loan with the lowest APR and affordable monthly installments. To increase your chance of qualifying, you should consider adding a co-applicant or collateral to the loan application. Co-signed and secured loans often have softer qualifiction requirements.
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