Top 10 U.S. Personal Loan Lenders for 2025 — Ultimate Comparison
1. LightStream (Truist)
APR: 6.49%–25.29%
Loan Amount: $5K–$100K
Credit Score: 660+
Highlights: No fees, same-day funding, “Rate Beat” guarantee. Best for large loans and top credit profiles.
2. SoFi
APR: 8.99%–35.49%
Loan Amount: $5K–$100K
Credit Score: 680+
Highlights: No fees, unemployment protection, long terms. Ideal for good-to-excellent credit borrowers.
3. Discover Personal Loans
APR: 7.99%–24.99%
Loan Amount: $2.5K–$40K
Credit Score: 660+
Highlights: No origination fee, 30-day money-back option. Strong choice for debt consolidation.
4. Upstart
APR: 6.40%–35.99%
Loan Amount: $1K–$50K
Credit Score: 580+ or limited history
Highlights: AI-based approval, great for new credit users. Quick approvals and funding.
5. PenFed Credit Union
APR: 7.99%–17.99%
Loan Amount: $600–$50K
Credit Score: 650+
Highlights: No fees, joint applications accepted, competitive APRs from a credit union.
6. LendingClub
APR: 7.90%–35.99%
Loan Amount: $1K–$50K
Credit Score: 600+
Highlights: Peer-to-peer platform. Joint loan option available. Fast decisions.
7. Best Egg
APR: 6.99%–35.99%
Loan Amount: $2K–$50K
Credit Score: 640+
Highlights: Quick approval, flexible repayment terms, ideal for personal expenses.
8. LendingPoint
APR: 7.99%–35.99%
Loan Amount: $1K–$36.5K
Credit Score: 580+
Highlights: Focuses on fair credit borrowers. Personalized loan offers with flexible terms.
9. Prosper
APR: Varies per borrower
Loan Amount: $2K–$50K
Credit Score: 640+
Highlights: Peer-to-peer lending with quick disbursal and transparent fee structure.
10. OneMain Financial
APR: Up to 36%
Loan Amount: Up to $20K
Credit Score: Accepts low scores
Highlights: Ideal for people with limited credit. In-person service available at 1,400+ branches.
Comparison Table
| # | Lender | APR | Loan Range | Best For |
|---|---|---|---|---|
| 1 | LightStream | 6.49–25.29% | $5K–$100K | Excellent credit |
| 2 | SoFi | 8.99–35.49% | $5K–$100K | No fees |
| 3 | Discover | 7.99–24.99% | $2.5K–$40K | Debt consolidation |
| 4 | Upstart | 6.40–35.99% | $1K–$50K | Fair credit |
| 5 | PenFed | 7.99–17.99% | $600–$50K | Joint loans |
| 6 | LendingClub | 7.90–35.99% | $1K–$50K | Fast approval |
| 7 | Best Egg | 6.99–35.99% | $2K–$50K | Personal use |
| 8 | LendingPoint | 7.99–35.99% | $1K–$36.5K | Flexible credit |
| 9 | Prosper | Varies | $2K–$50K | P2P loans |
| 10 | OneMain | Up to 36% | Up to $20K | Low credit |
Tips Before You Apply
- Check your credit score to match with suitable lenders
- Choose lenders offering same-day funding if urgent
- Compare APRs, fees, and repayment terms before finalizing
- Always read the fine print—some lenders charge late fees
- Credit unions like PenFed may offer better terms
• For large loans and best rates: LightStream
• For feature-rich loans and mobile apps: SoFi
• For fair/poor credit: Upstart or LendingPoint
• For in-person service: OneMain Financial
