Best Personal Loans for 2025
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Posted: 23rd December 2024
Andrew Palmer
Last Updated 4th February 2025
Best Personal Loans for 2025.
Discover the Best Personal Loans From Top Lenders for 2025. Rates starting at 5.99% APR and amounts up to $50,000.
At Finance Monthly, our financial experts carefully evaluated and have selected the top 10 personal loan lenders in the market right now by APR, ensuring they offer competitive rates and favorable terms. Our selection process focuses on four key factors: affordability, availability, customer experience, and transparency.
Here’s our Top 10 Loan Providers Picks by APR.
| Best For | Lender | Finance Monthly Rating | Loan Term | Loan Amount | APR | Learn More |
|---|---|---|---|---|---|---|
| Home improvement loans
|
LightStream | 4.6 | 2 to 7 years | $5K - $100K | 6.99 - 25.29% | LightStream |
Borrowers with short credit histories
|
Upstart | 5.0 | 3 to 7 years | $1K - $50K | 7.80 - 35.99% | Upstart |
| Debt consolidation loans
|
Discover® | 5.0 | 3 to 7 years | $2.5K - $40K | 7.99 - 24.99% | Discover |
| Secured personal loans
|
BestEgg | 4.3 | 3 to 5 years | $2K - $50K | 7.99 - 35.99% | BestEgg |
| Joint personal loans
|
LendingClub | 4.6 | 2 to 5 years | $1K - $40K | 8.91 - 35.99% | LendingClub |
| Borrowers with good to excellent credit
|
SoFi | 5.0 | 2 to 7 years | $5K - $100K | 8.99 - 29.99% | SoFi |
| Borrowers with bad to fair credit
|
Avant | 4.0 | 2 to 5 years | $2K - $35K | 9.95 - 35.99% | Avant |
| Borrowers with bad to fair credit
|
Upgrade | 5.0 | 2 to 7 years | $1K - $50K | 9.99 - 35.99% | Upgrade |
| Borrowers with bad to fair credit
|
Universal Credit | 4.8 | 3 to 5 years | $1K - $50K | 11.69 - 35.99% | Universal Credit |
| Personal loans
|
OneMain Financial | 3.5 | 2 to 5 years | $1.5K - $20K | 18.00 - 35.99% | OneMain |
