Last updated: August 29, 2026 — Rates verified and refreshed weekly. Individual rates vary based on creditworthiness.
Disclosure: This page contains affiliate links. AskMyFinance.com may receive compensation if you apply through our links, at no cost to you. This is not financial advice — rates shown are representative APR ranges, not guaranteed offers. Your actual rate depends on your credit profile, income, loan amount, and lender terms.
Finding the best personal loan rate today means knowing where to look and what to expect for your credit score. We track rates across eight lenders every week so you can compare in one place — without hurting your credit score.
The rates on this page reflect offers available through our lender network as of August 29, 2026. Most lenders on this list use a soft credit pull for the initial rate check, so you can shop without a ding to your score.
Today’s Best Personal Loan Rates (2026)
| Lender | APR Range | Loan Amount | Terms | Min. FICO | Best For | |
|---|---|---|---|---|---|---|
| 50K LoansBEST FOR LARGE LOANS | 5.99% – 35.99% | $500 – $50,000 | 61 days – 72 mo | None | Large loan amounts | Check Rate → |
| Good Credit LoansBEST FOR GOOD CREDIT | 5.99% – 35.99% | $100 – $50,000 | Varies | 670+ | Good credit borrowers | Check Rate → |
| Low Credit FinanceBEST FOR BAD CREDIT | 5.99% – 35.99% | $100 – $50,000 | 61 days – 48 mo | None | Bad credit / rebuilding credit | Check Rate → |
| BorrowMoney.usFAST FUNDING | 5.99% – 35.99% | $100 – $5,000 | 61 days – 72 mo | None | Fast funding | Check Rate → |
| Tribal LoansALL CREDIT WELCOME | 5.99% – 35.99% | $100 – $50,000 | 61 days – 72 mo | None | All credit types accepted | Check Rate → |
| Super Personal Finder | 5.99% – 35.99% | $100 – $50,000 | 61+ days | None | Comparing multiple lenders | Check Rate → |
| Green Dollar Loans | 5.99% – 35.99% | $100 – $5,000 | 61 days – 72 mo | None | Quick personal loans | Check Rate → |
| Loan Raptor | 5.99% – 35.99% | $100 – $50,000 | Varies | None | Wide lender network | Check Rate → |
*APR ranges are representative. Your actual rate may differ. Not available in all states.
Personal Loan Rates by Credit Score
Your credit score is the single biggest factor that determines your personal loan interest rate. Here’s what you can typically expect to pay based on your FICO score:
| Credit Score Range | Typical APR | What to Expect |
|---|---|---|
| 750+ (Excellent) | 6% – 12% | Qualify for the lowest rates from top lenders |
| 700–749 (Good) | 10% – 18% | Most lenders will approve; shop multiple offers |
| 650–699 (Fair) | 18% – 28% | Approval likely; compare network lenders for best rate |
| 580–649 (Poor) | 28% – 35.99% | Look for lenders that accept all credit types |
| Below 580 (Bad) | 28% – 35.99%+ | Lead-gen networks like those below are your best option |
If your credit score is on the lower end, don’t give up. Lenders like Low Credit Finance and Tribal Loans work with all credit types. A higher loan rate costs more in interest, but getting funded now and making on-time payments can help rebuild your credit over time.
Check Your Rate — No Hard Credit Pull →
Compare All Lenders
Here’s a closer look at each lender on our list, including what makes them stand out and who they’re best for.
50K Loans
- APR Range: 5.99% – 35.99%
- Loan Amounts: $500 – $50,000
- Terms: 61 days – 72 mo
- Min. Credit Score: None
- Best For: Large loan amounts
Check Your Rate at 50K Loans →
Good Credit Loans
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $50,000
- Terms: Varies
- Min. Credit Score: 670+
- Best For: Good credit borrowers
Check Your Rate at Good Credit Loans →
Low Credit Finance
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $50,000
- Terms: 61 days – 48 mo
- Min. Credit Score: None
- Best For: Bad credit / rebuilding credit
Check Your Rate at Low Credit Finance →
BorrowMoney.us
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $5,000
- Terms: 61 days – 72 mo
- Min. Credit Score: None
- Best For: Fast funding
Check Your Rate at BorrowMoney.us →
Tribal Loans
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $50,000
- Terms: 61 days – 72 mo
- Min. Credit Score: None
- Best For: All credit types accepted
Check Your Rate at Tribal Loans →
Super Personal Finder
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $50,000
- Terms: 61+ days
- Min. Credit Score: None
- Best For: Comparing multiple lenders
Check Your Rate at Super Personal Finder →
Green Dollar Loans
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $5,000
- Terms: 61 days – 72 mo
- Min. Credit Score: None
- Best For: Quick personal loans
Check Your Rate at Green Dollar Loans →
Loan Raptor
- APR Range: 5.99% – 35.99%
- Loan Amounts: $100 – $50,000
- Terms: Varies
- Min. Credit Score: None
- Best For: Wide lender network
Check Your Rate at Loan Raptor →
How We Choose the Lenders on This Page
Every lender on this page was selected based on the following criteria:
- Soft credit pull: Initial rate checks don’t impact your credit score.
- Transparent APR disclosure: Full APR range disclosed before you apply.
- Loan range flexibility: Options from $100 to $50,000 to cover both small and large needs.
- Broad credit acceptance: At least one option for every credit profile, from bad to excellent.
- Speed: Most lenders in our network offer same-day or next-business-day funding.
- No upfront fees: We only list matching services and lenders that don’t charge to apply.
We update this page every week to reflect current rate availability. If a lender’s rates, terms, or availability changes significantly, we remove or update them.
Important: AskMyFinance.com is a comparison and referral service, not a lender. We earn an affiliate commission when you apply through our links. This does not affect the rates you’re offered — lenders set their own terms independently.
Frequently Asked Questions
What is the best personal loan rate right now?
The lowest advertised personal loan rates in 2026 start at around 5.99% APR for borrowers with excellent credit (750+). If your FICO score is below 650, expect rates between 20% and 35.99%. The lenders on this page serve all credit profiles.
Does checking my rate hurt my credit score?
No. All lenders in our comparison use a soft credit inquiry for the initial rate check, which does not affect your credit score. Only a hard inquiry (which happens when you formally accept a loan offer) can temporarily lower your score.
What credit score do I need for a personal loan?
Most of the lenders on this page accept all credit types — including no credit history. Good Credit Loans targets borrowers with a FICO score of 670 or above. All others have no stated minimum, making them accessible to borrowers with poor or limited credit history.
How fast can I get funded?
Many lenders in our network offer same-day decisions and next-business-day funding via direct deposit. Funding speed depends on when you apply, your bank’s processing time, and lender approval timelines.
How much can I borrow with a personal loan?
Loan amounts on this page range from $100 to $50,000. The maximum you qualify for depends on your income, credit score, and lender-specific limits. If you need $50,000 or more, 50K Loans is designed for larger amounts.
This page is for informational purposes only and does not constitute financial advice. Personal loan interest rates change frequently and vary by lender, state, creditworthiness, and loan terms. Always read all loan terms before accepting any offer. AskMyFinance.com is not a lender and does not make lending decisions.