Rates today, datedPersonal loan rates today
14 lenders, each read on its own page and dated. LendingClub (now Happen Bank) has the lowest published APR floor at 5.96%. Citi Personal Loan has the lowest ceiling at 18.49%. 4 of 14 charge no origination fee. The floor goes to the best-qualified borrowers, so read the ceiling, the fee and the eligibility next to it.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
Last issuer-page stamp in this table: October 14, 2026
APR, amounts, terms and fees by lender
Lowest published APR first. APR already includes any origination fee.
| Lender | APR range | Loan amounts | Terms | Origination fee | Verified |
|---|---|---|---|---|---|
 | 5.96%-35.99% | $1,000-$75,000 | 24-84 mo | 0%-8% | October 14, 2026 Lender rate date July 6, 2026 |
| 5.99%-35.99% | $3,500-$40,000 | 24-60 mo | 0%-8% | October 14, 2026 | |
 | 6.25%-35.99% | $5,000-$50,000 | 24-60 mo | 1.99%-9.99% | October 14, 2026 |
 Existing Wells Fargo customers only, for at least 12 months | 6.74%-26.74% | $3,000-$100,000 | 12-84 mo | None | October 14, 2026 Lender rate date July 10, 2026 |
 | 6.99%-24.99% | $2,500-$40,000 | 36-84 mo | None | October 14, 2026 |
 | 6.99%-35.49% | $5,000-$100,000 | 24-84 mo | 0%-7% | October 14, 2026 |
| 6.99%-35.99% | $2,000-$50,000 | 36-60 mo | 0.99%-9.99% | October 14, 2026 | |
 | 7.74%-35.99% | $1,000-$50,000 | 24-84 mo | 1.85%-9.99% | October 14, 2026 |
 | 8.95%-35.99% | $5,000-$50,000 | 24-84 mo | 2%-12% | October 14, 2026 Lender rate date July 8, 2026 |
 | 8.99%-35.99% | $2,000-$50,000 | 24-72 mo | 1%-9.99% | October 14, 2026 |
 | 9.95%-35.99% | $2,000-$35,000 | 24-60 mo | Up to 9.99% | October 14, 2026 |
 Good-to-excellent credit profiles only | 9.99%-24.94% | $5,000-$100,000 | 24-240 mo | None | October 14, 2026 |
Above $30,000: existing customers with an eligible Citi account or card only | 10.24%-18.49% | $2,000-$30,000 | 12-60 mo | None | October 14, 2026 Lender rate date September 29, 2026 |
 Larger loans require a first lien on a motor vehicle no more than ten years old | 11.99%-35.99% | $1,500-$30,000 | 24-60 mo | 1%-10% | October 14, 2026 |
What $10,000 costs over 36 months
Computed from each lender's lowest and highest published APR, for a borrower who receives $10,000. Interest and fees combined. Your offer lands somewhere in between, or at the top if your credit is weak.
| Lender | Monthly payment | Interest and fees |
|---|---|---|
| LendingClub (now Happen Bank) | $304 to $458 | $945 to $6,487 |
| Reach Financial Personal Loan | $304 to $458 | $950 to $6,487 |
| Achieve Personal Loans | $305 to $458 | $993 to $6,487 |
| Wells Fargo Personal Loan | $308 to $407 | $1,073 to $4,647 |
| Best Egg Personal Loan | $309 to $458 | $1,114 to $6,487 |
| Discover Personal Loans | $309 to $398 | $1,114 to $4,312 |
| SoFi Personal Loan | $309 to $455 | $1,114 to $6,385 |
| Upgrade Personal Loan | $312 to $458 | $1,238 to $6,487 |
| Happy Money Personal Loan | $318 to $458 | $1,440 to $6,487 |
| Prosper Personal Loan | $318 to $458 | $1,446 to $6,487 |
| Avant Personal Loan | $322 to $458 | $1,608 to $6,487 |
| LightStream Personal Loan | $323 to $397 | $1,614 to $4,302 |
| Citi Personal Loan | $324 to $364 | $1,657 to $3,104 |
| OneMain Financial Personal Loan | $332 to $458 | $1,955 to $6,487 |
Every figure is the lender's own published range, read on the date in the Verified column; some lenders also print a rate date of their own, shown under it. A row older than 14 days is shaded. Lenders change rates without notice and the APR you are offered depends on your credit, income and the loan you pick. See the best personal loans for how we weigh these numbers, and how we rate.