Personal loans
A personal loan is a fixed-rate installment loan, usually unsecured, that you repay in equal monthly payments. With Compare Loan Offer (CLO), one application checks multiple lenders using a soft credit pull, and you compare the offers available to you on APR, payment, term and total cost.
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- No credit impact
- No personal info to CLO
- Free, no obligation
Loan terms from 2 to 60 months. Rates vary depending on the lender, your credit and your state. Maximum APR is 35.99%.
How personal loans work
- You borrow a lump sum and repay it in fixed monthly payments over a set term.
- Most are unsecured, so no collateral is needed. Some lenders also offer secured loans.
- The APR includes interest and required fees, and is the best single number for comparing cost.
Before you compare
- Decide how much you need and the payment you can afford.
- Check your rate with CLO. It won't affect your credit score.
- Compare offers on APR, monthly payment, term, fees and total repaid.
Personal loans by purpose
Personal loans by credit range
Tools
See which lenders will work with you
Pre-qualify in minutes. Checking your rate won't affect your credit score.
Common questions
What can I use a personal loan for?
Common uses include home improvement, debt consolidation, credit card payoff, medical bills, moving and large purchases. Lenders may restrict some uses.
How much can I borrow through CLO?
You can request $1,000 to $50,000. Each lender decides the approved amount, and limits vary by state.
Does checking my rate affect my credit?
No. CLO uses a soft credit pull to check your rate.
Ready to compare offers?
Pre-qualify in minutes. Checking your rate won't affect your credit score.