Personal Loans
Personal Loans — Compare Rates, Lenders & Best Offers
A personal loan is a flexible financing option that allows you to borrow a lump sum of money and repay it in fixed monthly installments over a set period.
- Soft credit pull — no score impact
- Loans from $1,000 to $100,000
- Same-day funding available
$1K–$100K
Loan amounts available to compare
0
Score impact to pre-qualify
24–84
Months of repayment terms
$0
To compare — always free
Grab Exclusive Deals On Personal Loan
Personal loans work well for consolidating high-interest credit card debt, major home improvements, medical bills, or one-time expenses where you need a fixed repayment schedule. They typically beat credit cards on rate and beat payday loans by a mile.
The catch: rates vary wildly based on your credit profile. The advertised rate is the best-case rate. We pre-qualify you with multiple lenders so you see real offers for your actual credit situation.
See your real rate before you commit
The headline APR a lender advertises is the best-case rate reserved for the strongest credit. Your actual offer depends on your score, income and the loan term — and the only way to know it is to ask. We do that with a soft check that leaves your score untouched.
Then we line up multiple lenders side by side, so you compare the full cost — APR, monthly payment and total interest — and choose the offer that genuinely costs you the least over the life of the loan.
Soft pull, no score impact
Pre-qualification uses a soft credit check, so seeing your real rate from several lenders never dents your score — a hard pull only happens if you formally apply.
Compare the true cost
We surface APR, origination fees, monthly payment and total interest together, so a lower headline rate with hidden fees never tricks you into a costlier loan.
Terms that fit your budget
Stretch the term for a lower monthly payment or shorten it to pay less interest overall — we show how each option changes what you actually owe.
Unsecured vs secured — which loan fits you?
Both deliver a lump sum you repay in fixed installments. The difference is whether you pledge collateral — which changes the rate, the approval odds and the risk. We weigh both against your situation.
Unsecured
No collateral required — approval rests on your credit and income alone.
- Nothing of yours is on the line if you fall behind
- Faster to fund — no asset to appraise or verify
- Best rates go to strong credit; rates rise as scores fall
- Ideal for debt consolidation and one-off expenses
Best for: Borrowers with solid credit who want speed and no asset at risk.
Secured
Backed by collateral such as a vehicle or savings — typically a lower rate.
- Lower APRs because the lender's risk is reduced
- Easier to qualify for with thin or rebuilding credit
- Often unlocks larger loan amounts
- The pledged asset is at risk if you default
Best for: Borrowers building credit, or anyone chasing the lowest possible rate.
Average Personal Loan Rates
Sample rates and terms from licensed lenders — submit a quote to see real offers based on your credit profile.
LightStream
4.7
Personal Loan
Up to 84 months
- No fees, no prepayment penalty
- Same-day funding available
- Loans up to $100,000
SoFi
4.5
Personal Loan
Up to 60 months
- No origination fees
- Member discounts
- Unemployment protection
Marcus by GS
4.4
Fixed Rate Loan
Up to 72 months
- No fees ever
- Customize your payment date
- Skip a payment option
How To Compare Personal Loan Offers Using Comparison Junction?
- 1
Tell Us Your Goal
Loan amount, purpose, and basic information about you. This shapes which lenders to match you with.
- 2
Soft Pre-Qualification
Multiple lenders run soft credit checks (no score impact) to show you real offers, not advertised rates.
- 3
Compare All-In Cost
APR, monthly payment, total interest paid — laid out side-by-side so you can pick with confidence.
- 4
Fund Same Day
Once you pick a lender and complete the application, funds can hit your account same-day or next business day.
Why Comparison Junction
Why compare personal loans with Comparison Junction
Loan pricing is built around the advertised best-case rate. We surface your real offers, the all-in cost and the fine print — so the loan you pick is the one that actually costs you the least.
Featured
Lower your borrowing cost
We compare lenders to find the lowest APR your profile qualifies for — most borrowers beat their credit-card rate and save real money over the term.
Smart comparison preview
No hidden fees
Origination fees, prepayment penalties and the true APR are spelled out before you apply, so the cheapest-looking offer is genuinely the cheapest.
Fast, paperless process
Pre-qualify in minutes and, once you choose a lender, funds can arrive the same or next business day — no branch visits required.
Independent guidance
A real advisor helps you read the offers and weigh term against total cost — guidance that works for you, not a single lender's quota.
Reputable lenders only
We compare licensed, established lenders — so you sidestep payday traps and predatory terms and borrow from names you can trust.
Compare without the dings
Pre-qualifying across multiple lenders uses soft pulls, so you weigh every offer side by side without stacking up hard inquiries on your report.
Here's what our customers have to say
“Michael went above and beyond to answer all my questions and helped make the process very easy.”
Michael Tennant
“Daniel was knowledgeable, patient, and helped reduce my electric bill stress completely.”
Lisa M
“Jack walked me through the process and helped me find one of the best rates available.”
Sylvia Nambassa
“Stewart explained everything clearly and showed me how I could save money on future bills.”
Carleton
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Disclaimer: All trademarks remain the property of their respective owners, and are used by Comparison Junction only to describe products and services offered by each respective trademark holder. All trademarks remain the property of their respective owners and are used solely to describe products and services offered by their respective trademark holders. Comparison Junction may receive compensation from providers for qualified enrollments or completed services. Savings and availability vary based on market conditions, provider availability, customer usage, and geographic location.