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Best Personal Loans of 2025: 6 Top Lenders Compared

Compare the top personal loan lenders of 2025 with detailed reviews, rates, and requirements to find your perfect match.

by Financial Editorial Team

•7/12/2025•8 min read

Finding the right personal loan can save you thousands of dollars in interest and fees. We have thoroughly analyzed dozens of lenders to bring you the top 6 personal loan options for 2025. Each offers unique advantages depending on your credit profile and financial needs.Our comprehensive review process evaluates interest rates, fees, loan terms, funding speed, and customer service to help you make an informed decision. Whether you have excellent credit or are working to improve your score, there is a loan option that fits your situation.

🏆 #1 Best Overall: LightStream

LightStream offers personal loans with some of the lowest rates available, backed by Truist Bank. Best for borrowers with excellent credit seeking large loan amounts.

LightStream Personal Loan

Industry-leading rates, same-day funding

★★★★⭐

4.7/5

LightStream offers personal loans with some of the lowest rates available, backed by Truist Bank. Best for borrowers with excellent credit seeking large loan amounts.

KEY FEATURES

Loan Amount: $5,000 - $100,000

APR Range: 7.49% - 19.99%

Terms: 2 - 7 years

Funding Time: Same day to 1 business day

Credit Score: 720+ typically required

AutoPay discount: 0.50%

✓ Pros

• Extremely competitive interest rates
• No fees of any kind
• Same-day funding available
• No restrictions on loan usage
• Rate beat program available

✗ Cons

• Excellent credit required (720+ FICO)
• No pre-qualification option
• Strict income and credit requirements

Verdict: Best-in-class rates for borrowers with excellent credit seeking fast funding and flexible terms.

🥈 #2 Best for Member Benefits: SoFi

SoFi offers personal loans with no fees and competitive rates for borrowers with good to excellent credit. Known for member benefits and career coaching services.

SoFi Personal Loan

No fees, member benefits included

★★★★⭐

4.6/5

SoFi offers personal loans with no fees and competitive rates for borrowers with good to excellent credit. Known for member benefits and career coaching services.

KEY FEATURES

Loan Amount: $5,000 - $100,000

APR Range: 8.99% - 23.43%

Terms: 2 - 7 years

Funding Time: 1-7 business days

Credit Score: 680+ recommended

No fees of any kind

✓ Pros

• No origination, prepayment, or late fees
• Unemployment protection for eligible members
• Career coaching and financial planning services
• Rate discounts for autopay and existing relationships
• Quick online application and funding

✗ Cons

• Good to excellent credit required (680+ FICO)
• Limited loan amounts for some applicants
• No co-signer option available

Verdict: Excellent choice for well-qualified borrowers seeking no-fee loans with member benefits.

🥉 #3 Best for Payment Flexibility: Marcus

Marcus by Goldman Sachs provides transparent personal loans with no fees and flexible payment options. Backed by Goldman Sachs financial expertise.

Marcus Personal Loan

Goldman Sachs backed, zero fees

★★★★⭐

4.5/5

Marcus by Goldman Sachs provides transparent personal loans with no fees and flexible payment options. Backed by Goldman Sachs financial expertise.

KEY FEATURES

Loan Amount: $3,500 - $40,000

APR Range: 7.99% - 19.99%

Terms: 3 - 6 years

Funding Time: 1-4 business days

Credit Score: 660+ recommended

Zero fees guaranteed

✓ Pros

• No fees - origination, prepayment, or late fees
• On-time payment rewards program
• Flexible payment date selection
• Strong customer service reputation
• Simple online application process

✗ Cons

• Higher credit score requirements
• Limited loan amounts for fair credit
• No co-signer option

Verdict: Solid choice for borrowers wanting no-fee loans with payment flexibility from a trusted bank.

💳 Best for Fair Credit: Best Egg

Best Egg provides personal loans for borrowers with fair to excellent credit, offering debt consolidation and home improvement financing with competitive rates.

Best Egg Personal Loan

Fair credit accepted, fast funding

★★★★☆

4.2/5

Best Egg provides personal loans for borrowers with fair to excellent credit, offering debt consolidation and home improvement financing with competitive rates.

KEY FEATURES

Loan Amount: $2,000 - $50,000

APR Range: 7.99% - 35.99%

Terms: 3 - 5 years

Funding Time: 1-3 business days

Credit Score: 600+ accepted

Origination fee: 0.99% - 9.99%

✓ Pros

• Accepts fair credit scores (600+)
• Fast funding - next business day
• Debt consolidation specialists
• Soft credit check for pre-qualification
• Flexible repayment terms

✗ Cons

• Origination fees up to 9.99%
• Higher rates for fair credit borrowers
• Limited customer service hours

Verdict: Good option for borrowers with fair credit seeking debt consolidation with reasonable rates.

📈 Best for Credit Building: Upgrade

Upgrade offers personal loans with credit monitoring and financial tools, helping borrowers improve their credit while accessing needed funds.

Upgrade Personal Loan

Credit improvement tools included

★★★★☆

4.1/5

Upgrade offers personal loans with credit monitoring and financial tools, helping borrowers improve their credit while accessing needed funds.

KEY FEATURES

Loan Amount: $1,000 - $50,000

APR Range: 8.49% - 35.97%

Terms: 2 - 7 years

Funding Time: 1-4 business days

Credit Score: 580+ accepted

Origination fee: 1.85% - 8%

✓ Pros

• Credit monitoring and education included
• Accepts lower credit scores (580+)
• Fast online application and approval
• Direct payment to creditors for debt consolidation
• Potential credit score improvement

✗ Cons

• Origination fees up to 8%
• Higher interest rates overall
• Limited loan amount for lower credit scores

Verdict: Ideal for borrowers with fair credit who want to improve their financial profile while borrowing.

👥 Best for Joint Applications: Prosper

Prosper is a peer-to-peer lending platform offering personal loans funded by individual and institutional investors, with competitive rates for qualified borrowers.

Prosper Personal Loan

Peer-to-peer lending, joint applications

★★★★☆

4.1/5

Prosper is a peer-to-peer lending platform offering personal loans funded by individual and institutional investors, with competitive rates for qualified borrowers.

KEY FEATURES

Loan Amount: $2,000 - $50,000

APR Range: 7.95% - 35.99%

Terms: 2 - 5 years

Funding Time: 3-5 business days

Credit Score: 600+ recommended

Origination fee: 1% - 8%

✓ Pros

• Joint applications allowed
• Competitive rates for good credit
• No prepayment penalties
• Quick online process
• Peer-to-peer lending model

✗ Cons

• Origination fees required (1% - 8%)
• Limited customer support hours
• Not available in all states

Verdict: Good choice for joint borrowers seeking competitive rates with flexible terms.

Personal Loan Comparison: Top 6 Lenders

Compare the top personal loan lenders side-by-side to find the best option for your credit profile and financial needs. Each lender offers unique advantages depending on your situation.

Lender Comparison

Compare rates, terms, and requirements

Personal Loan Lenders

Lender	APR Range	Loan Amount	Terms	Credit Score	Fees	Rating
LightStream	7.49% - 19.99%	$5K - $100K	2 - 7 years	720+	No fees	4.7/5
SoFi	8.99% - 23.43%	$5K - $100K	2 - 7 years	680+	No fees	4.6/5
Marcus	7.99% - 19.99%	$3.5K - $40K	3 - 6 years	660+	No fees	4.5/5
Best Egg	7.99% - 35.99%	$2K - $50K	3 - 5 years	600+	0.99% - 9.99%	4.2/5
Upgrade	8.49% - 35.97%	$1K - $50K	2 - 7 years	580+	1.85% - 8%	4.1/5
Prosper	7.95% - 35.99%	$2K - $50K	2 - 5 years	600+	1% - 8%	4.1/5

Compare options above to find the best fit for your needs

Key Considerations:Excellent Credit (720+): LightStream offers the lowest ratesGood Credit (680+): SoFi provides no fees with member benefitsFair Credit (600+): Best Egg and Prosper accept lower scoresBuilding Credit (580+): Upgrade includes credit monitoring toolsJoint Applications: Only Prosper allows co-borrowers