Best Personal Loan Lenders of August 2025
2025 NerdWallet award winner
Est. APR: 8.99 - 35.49%
Loan amount: $5K - $100K
Min. credit score - None
Loan term: 2 to 7 years
SoFi offers large online personal loans with consumer-friendly features for good- and excellent-credit borrowers.
2025 NerdWallet award winner
Est. APR: 6.99 - 25.14%
Loan amount: $5K - $100K
Min. credit score - 660
Loan term: 2 to 7 years
LightStream is a solid option for good- and excellent-credit borrowers, with no fees and a promise to beat competitors’ rates.
2025 NerdWallet award winner
Est. APR: 7.99 - 35.99%
Loan amount: $1K - $50K
Min. credit score - 600
Loan term: 2 to 7 years
Upgrade accepts lower credit scores than similar lenders, and it offers multiple rate discounts for its personal loans.
Est. APR: 6.70 - 35.99%
Loan amount: $1K - $75K
Min. credit score - None
Loan term: 3 to 5 years
Upstart personal loans offer fast funding and may be an option for borrowers with low credit scores or thin credit histories. Upstart is a solid financing choice for large purchases.
Est. APR: 6.99 - 35.99%
Loan amount: $2K - $50K
Min. credit score - 600
Loan term: 3 to 5 years
Best Egg offers personal loans for borrowers who want to consolidate debt and need cash fast.
2025 NerdWallet award winner
Est. APR: 7.90 - 35.99%
Loan amount: $1K - $50K
Min. credit score - 600
Loan term: 2 to 6 years
LendingClub personal loans are a solid option for good-credit borrowers looking to consolidate debt and build their credit.
Est. APR: 9.95 - 35.99%
Loan amount: $2K - $35K
Min. credit score - 550
Loan term: 2 to 5 years
Avant personal loans are a solid option for fair- and bad-credit borrowers who need fast funding, but their rates and origination fees can be high
Est. APR: 11.69 - 35.99%
Loan amount: $1K - $50K
Min. credit score - 580
Loan term: 3 to 5 years
A Universal Credit loan is a sound option for bad-credit borrowers looking to build credit, but rates are high compared to similar lenders.
Est. APR: 18.00 - 35.99%
Loan amount: $1.5K - $20K
Min. credit score - None
Loan term: 2 to 5 years
OneMain prioritizes a borrower’s ability to repay on a loan application. Rates are high, but this lender provides fast funding to borrowers with low credit scores.