DollarSound
Personal loans

Best Personal Loans of 2026

We compared rates, fees, and funding speed across 30+ lenders. Here are our top picks for every borrowing need.

#1Best overall

SoFi Personal Loan

4.8
  • No origination fee
  • Unemployment protection
  • Same-day funding available
APR range
8.99%–29.99%
Loan amount
$5k–$100k
Term
2–7 years
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#2Lowest rates

LightStream

4.7
  • Lowest rates for excellent credit
  • No fees whatsoever
  • Rate beat program
APR range
7.49%–25.99%
Loan amount
$5k–$100k
Term
2–12 years
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#3

Marcus by Goldman Sachs

4.6
  • No fees
  • On-time payment reward
  • Flexible due dates
APR range
6.99%–24.99%
Loan amount
$3.5k–$40k
Term
3–6 years
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#4Best for fair credit

Upgrade

4.4
  • Accepts fair credit (580+)
  • Fast funding
  • Credit health tools
APR range
9.99%–35.99%
Loan amount
$1k–$50k
Term
2–7 years
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#5

Discover Personal Loans

4.5
  • No origination fee
  • Direct creditor payoff
  • 30-day return guarantee
APR range
7.99%–24.99%
Loan amount
$2.5k–$40k
Term
3–7 years
View lender

APR ranges shown are representative. Your actual rate depends on creditworthiness, income, and other factors. DollarSound may earn compensation when you apply through our links.