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Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions without hesitation. Although our website does not feature every company or financial product on the market We're pleased that the guidance we offer as well as the advice we provide and the tools we create are objective, independent, straightforward -- and completely free. So how do we earn money? Our partners pay us. This can influence the products we review and write about (and the way they appear on our website) However, it does not affect our advice or suggestions which are based on thousands of hours of study. Our partners cannot be paid to ensure positive review of their services or products. .
Personal Loan Calculator
Utilize an individual loan calculator to estimate the monthly payment and the total interest cost of the loan.
Last updated on Sep 9, 2022
Many or all of the products featured here are provided by our partners who compensate us. This impacts the types of products we feature as well as the place and way the product appears on the page. However, this does not affect our assessments. Our opinions are our own. Here's a list of and .
A personal loan calculator can determine the monthly amount you pay and your expected loan end date. Use this calculator to weigh the amount you are able to borrow and how long it will take to pay it back in accordance with your credit, the 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 determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as 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 takes into account factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees, customer service and ethical 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 algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score rate and fees, customer experience and responsible lending practices.
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, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $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 formula is based on aspects we believe are 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 consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on 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 algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
On Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
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 impact on credit score, rates and fees, customer 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 consumer-friendly, including impact to credit score rate and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are 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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider 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.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are compiled by the editorial staff. 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 responsible lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our 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, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's rating is 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.
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, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. 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 customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Achieve
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, the customer 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 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 OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are determined by the 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 experience and responsible lending practices.
APR 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $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 factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled 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, customer experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores rates and fees, the 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 algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe 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.
5.0 NerdWallet's ratings are determined by our editorial staff. 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 aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees, the customer experience and responsible 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 a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration 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.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer 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 were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings are compiled 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, customer experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees 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 the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as impact to credit score rates and fees, the customer experience and ethical lending practices.
5.0 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 ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 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, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider 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
Amount of loan: $1,000 - $50,000
on Upstart
How do you shop for a personal loan
When you've decided on the loan amount or rate, as well as the repayment period you're looking for, it's time to shop and compare deals. Here are the steps :
Examine your credit report. Examine your credit report to find any mistakes and correct them prior to applying. You can get a free copy of your credit report from all three credit bureaus at .
Pre-qualify. Most lenders let you pre-qualify to see estimated rates without impacting your credit score. In the application, you'll need to provide basic information like job status and income, as well as the reasons you're borrowing as well as the your desired loan amount.
Compare lenders . The interest rate for a loan's annual percentage, fees and monthly payment are typically the most crucial features to compare. If you are competing with two loan offers, take into consideration timing for funding, flexibility in payment and additional perks like unemployment insurance.
Check if you are pre-qualified for a personal loan - without affecting 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 do you use this personal loan calculator
Select your . For example, if the credit rating is 740 then you're in the excellent range. It's possible to check it on NerdWallet.
Select your preferred loan size and loan time. Personal loan amounts range from $1000 to $100,000 and typical repayment terms are between one and seven years. A longer loan term will result in lower monthly installments, but more expensive interest rates.
Pick your loan start date. Select your initial date of payment usually within 30 to 45 days after signing your loan agreement. If you're not certain when your payment date is, select the date that's 30 days from the time that date.
Hit calculate to see the results. Results are based on an analysis of the annual percentage rates provided by lenders on the NerdWallet personal loan marketplace. A few of these lenders are featured in the findings.
Knowing your private loan calculator results
Payments for the month: That's the amount you can expect to pay each month, based on the loan amount, loan term and your estimate rate. The monthly payments are lower if you select the longer loan duration.
Estimated APR: Those with higher credit scores typically receive lower interest rates, but lenders could consider your , among other elements. The majority of personal loans have fixed rates. This means your interest rate and payments aren't subject to change during the term that you have the loan. APRs also include one-time charges to pay for the costs of processing your loan.
Here is the estimated score for the various credit scores:
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 Rates are calculated based on aggregated information from offer data that is anonymized from customers who were pre-qualified for NerdWallet's lender marketplace from June 1, 2022, to October. 31, 2022. Rates are estimates only and are not applicable to any particular lender. The credit scores with the lowest score- usually less than a credit score of 500 -- are not likely to be considered. Information in this table applies only to lenders with APRs less than 36 percent.
Total repaid: This is the total amount you'll have to repay, including interest, at the conclusion of the loan. A borrower with a high credit score will probably pay lower interest than someone who has a bad credit score (a score below 630). The longer your loan period, the greater interest you'll pay.
Payoff date: The month you'll be required to pay the loan off if you make the same monthly payment throughout the term of the loan. The amortization table shows how much loan balance will go down each month and how your payment will be split between interest and principal.
>> MORE:
The year's best personal loans
Browse our Best-Of Awards to compare top personal loans and decide on the best one for your needs.
Other loan calculators
: Determine your debt-to-income ratio that is the sum of your monthly payment for debt divided by your income.
Learn about what debt consolidating is, and also calculate the amount of money consolidating can save you.
Learn about the personal loan choices your credit will provide you with.
: Use this calculator to find out if refinancing an existing personal loan makes sense for you.
Read more about NerdWallet's
Most frequently asked questions What could I use a personal loan to use it for?
You could do this, for example, debt consolidation, home improvement projects, or refinancing an existing loan.
What's the best rate of interest for a personal loan?
The best private loan rate is the one with the lowest one that you are eligible for. People with excellent or good credit (690 or higher credit score) can expect the lowest rates. Borrowers with lower credit scores and high debt-to-income ratios often pay higher APRs.
Where is the best place to obtain an individual loan?
is contingent on several factors, including the lender's minimum requirements in addition to the fees and rates it charges, as well as loan terms, amounts and other features that are important to you.
How do I get a personal loan quickly?
Choose a lender that offers . Many of these lenders can fund a loan on the same or the next day following approval. To speed up the process, you should gather all the necessary documents like W-2s, bank statements and pay stubs before you submit your application.
What can I do to get a personal loan with poor credit?
First, compare to find the loan that has a low APR and affordable monthly payment. To increase the chance of being accepted, you should consider including a co-applicant to the loan application. Co-signed and secured loans generally have less stringent qualification criteria.
What can I make use of a personal loan for?
You can , including consolidating debt, home improvements projects or refinancing an existing loan.
What's the best rate of interest for an individual loan?
The most favorable private loan price is usually the cheapest one that you are eligible for. People with excellent or good credit (690 or better credit score) will be able to get the best rates. Borrowers with lower credit scores and high debt-to-income ratios usually are charged higher APRs.
Where is the best place to get the personal loan?
is contingent on various factors, including the lender's minimum qualification requirements as well as the rates and fees it charges, as well as loan amounts, terms and other features that are important to you.
How can I get a personal loan fast?
Choose a lender that offers . A majority of these lenders will provide a loan within the same or next day following approval. To accelerate the process, gather documents like W-2s, pay stubs and bank statements before you apply.
What can I do to apply for a personal loan with poor credit?
The first step is to compare the one with a low APR and low monthly payment. To increase your chances of qualifying, consider adding a co-applicant or collateral to the loan applicaiton. Co-signed and secured loans generally have less stringent qualification requirements.
On a similar note...
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Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions without hesitation. Although our website does not feature every company or financial product on the market We're pleased that the guidance we offer as well as the advice we provide and the tools we create are objective, independent, straightforward -- and completely free. So how do we earn money? Our partners pay us. This can influence the products we review and write about (and the way they appear on our website) However, it does not affect our advice or suggestions which are based on thousands of hours of study. Our partners cannot be paid to ensure positive review of their services or products. .
Personal Loan Calculator
Utilize an individual loan calculator to estimate the monthly payment and the total interest cost of the loan.
Last updated on Sep 9, 2022
Many or all of the products featured here are provided by our partners who compensate us. This impacts the types of products we feature as well as the place and way the product appears on the page. However, this does not affect our assessments. Our opinions are our own. Here's a list of and .
A personal loan calculator can determine the monthly amount you pay and your expected loan end date. Use this calculator to weigh the amount you are able to borrow and how long it will take to pay it back in accordance with your credit, the 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 determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as 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 takes into account factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees, customer service and ethical 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 algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score rate and fees, customer experience and responsible lending practices.
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, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $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 formula is based on aspects we believe are 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 consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on 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 algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
On Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
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 impact on credit score, rates and fees, customer 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 consumer-friendly, including impact to credit score rate and fees, customer experience and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are 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, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider 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.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are compiled by the editorial staff. 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 responsible lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our 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, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's rating is 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.
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, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. 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 customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Achieve
Reach your goals
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, the customer 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 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 OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
4.0 NerdWallet's ratings are determined by the 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 experience and responsible lending practices.
APR 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $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 factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Achieving
Reach your goals
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled 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, customer experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores rates and fees, the 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 algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe 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.
5.0 NerdWallet's ratings are determined by our editorial staff. 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 aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees, the customer experience and responsible 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 a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration 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.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieve
on SoFi
SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees, customer 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 were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings are compiled 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, customer experience and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees 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 the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as impact to credit score rates and fees, the customer experience and ethical lending practices.
5.0 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 ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 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, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider 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
Amount of loan: $1,000 - $50,000
on Upstart
How do you shop for a personal loan
When you've decided on the loan amount or rate, as well as the repayment period you're looking for, it's time to shop and compare deals. Here are the steps :
Examine your credit report. Examine your credit report to find any mistakes and correct them prior to applying. You can get a free copy of your credit report from all three credit bureaus at .
Pre-qualify. Most lenders let you pre-qualify to see estimated rates without impacting your credit score. In the application, you'll need to provide basic information like job status and income, as well as the reasons you're borrowing as well as the your desired loan amount.
Compare lenders . The interest rate for a loan's annual percentage, fees and monthly payment are typically the most crucial features to compare. If you are competing with two loan offers, take into consideration timing for funding, flexibility in payment and additional perks like unemployment insurance.
Check if you are pre-qualified for a personal loan - without affecting 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 do you use this personal loan calculator
Select your . For example, if the credit rating is 740 then you're in the excellent range. It's possible to check it on NerdWallet.
Select your preferred loan size and loan time. Personal loan amounts range from $1000 to $100,000 and typical repayment terms are between one and seven years. A longer loan term will result in lower monthly installments, but more expensive interest rates.
Pick your loan start date. Select your initial date of payment usually within 30 to 45 days after signing your loan agreement. If you're not certain when your payment date is, select the date that's 30 days from the time that date.
Hit calculate to see the results. Results are based on an analysis of the annual percentage rates provided by lenders on the NerdWallet personal loan marketplace. A few of these lenders are featured in the findings.
Knowing your private loan calculator results
Payments for the month: That's the amount you can expect to pay each month, based on the loan amount, loan term and your estimate rate. The monthly payments are lower if you select the longer loan duration.
Estimated APR: Those with higher credit scores typically receive lower interest rates, but lenders could consider your , among other elements. The majority of personal loans have fixed rates. This means your interest rate and payments aren't subject to change during the term that you have the loan. APRs also include one-time charges to pay for the costs of processing your loan.
Here is the estimated score for the various credit scores:
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 Rates are calculated based on aggregated information from offer data that is anonymized from customers who were pre-qualified for NerdWallet's lender marketplace from June 1, 2022, to October. 31, 2022. Rates are estimates only and are not applicable to any particular lender. The credit scores with the lowest score- usually less than a credit score of 500 -- are not likely to be considered. Information in this table applies only to lenders with APRs less than 36 percent.
Total repaid: This is the total amount you'll have to repay, including interest, at the conclusion of the loan. A borrower with a high credit score will probably pay lower interest than someone who has a bad credit score (a score below 630). The longer your loan period, the greater interest you'll pay.
Payoff date: The month you'll be required to pay the loan off if you make the same monthly payment throughout the term of the loan. The amortization table shows how much loan balance will go down each month and how your payment will be split between interest and principal.
>> MORE:
The year's best personal loans
Browse our Best-Of Awards to compare top personal loans and decide on the best one for your needs.
Other loan calculators
: Determine your debt-to-income ratio that is the sum of your monthly payment for debt divided by your income.
Learn about what debt consolidating is, and also calculate the amount of money consolidating can save you.
Learn about the personal loan choices your credit will provide you with.
: Use this calculator to find out if refinancing an existing personal loan makes sense for you.
Read more about NerdWallet's
Most frequently asked questions What could I use a personal loan to use it for?
You could do this, for example, debt consolidation, home improvement projects, or refinancing an existing loan.
What's the best rate of interest for a personal loan?
The best private loan rate is the one with the lowest one that you are eligible for. People with excellent or good credit (690 or higher credit score) can expect the lowest rates. Borrowers with lower credit scores and high debt-to-income ratios often pay higher APRs.
Where is the best place to obtain an individual loan?
is contingent on several factors, including the lender's minimum requirements in addition to the fees and rates it charges, as well as loan terms, amounts and other features that are important to you.
How do I get a personal loan quickly?
Choose a lender that offers . Many of these lenders can fund a loan on the same or the next day following approval. To speed up the process, you should gather all the necessary documents like W-2s, bank statements and pay stubs before you submit your application.
What can I do to get a personal loan with poor credit?
First, compare to find the loan that has a low APR and affordable monthly payment. To increase the chance of being accepted, you should consider including a co-applicant to the loan application. Co-signed and secured loans generally have less stringent qualification criteria.
What can I make use of a personal loan for?
You can , including consolidating debt, home improvements projects or refinancing an existing loan.
What's the best rate of interest for an individual loan?
The most favorable private loan price is usually the cheapest one that you are eligible for. People with excellent or good credit (690 or better credit score) will be able to get the best rates. Borrowers with lower credit scores and high debt-to-income ratios usually are charged higher APRs.
Where is the best place to get the personal loan?
is contingent on various factors, including the lender's minimum qualification requirements as well as the rates and fees it charges, as well as loan amounts, terms and other features that are important to you.
How can I get a personal loan fast?
Choose a lender that offers . A majority of these lenders will provide a loan within the same or next day following approval. To accelerate the process, gather documents like W-2s, pay stubs and bank statements before you apply.
What can I do to apply for a personal loan with poor credit?
The first step is to compare the one with a low APR and low monthly payment. To increase your chances of qualifying, consider adding a co-applicant or collateral to the loan applicaiton. Co-signed and secured loans generally have less stringent qualification requirements.
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