Best Personal Loans: Top 10 Online Loan Companies of 2022

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(Ad) Personal loans can be an excellent way to get a quick influx of cash for emergencies, home improvement projects, or debt consolidation. They typically offer lower interest rates than credit cards, making them especially appealing for larger sums of money.

There are many considerations to keep in mind when you get a personal loan. Many loan originators may have loans that look appealing at first glance but have hidden costs or terms. Others may have stringent requirements that are challenging to meet.

It’s vital to research and compare personal loans from various personal loan lenders to find the best option for your needs. We’ve looked at the most popular and well-known lenders and outlined their advantages and drawbacks to help you find the best personal loans for your situation.

The 10 Best Personal Loan Lenders of 2022

  • PersonalLoans: Best personal loans overall
  • BadCreditLoans: Best for bad credit
  • SoFi: Best for larger loan requests (up to $100k)
  • LightStream: Best for borrowers with excellent credit
  • Upstart: Best for debt consolidation loans
  • Avant: Best for fair credit borrowers
  • CashUSA: Best for fast loans up to $10,000
  • Marcus by Goldman Sachs: Best for home improvement loans
  • Best Egg: Best for low APRs
  • Payoff: Best for credit card consolidation

#1. PersonalLoans: Best Loan Company Overall

connects borrowers with many personal loan companies and lenders. The platform itself doesn’t issue the personal loans in question-instead, it offers options from lenders, allowing you to identify which one best suits your needs.

The platform allows loan amounts from $1,000 to $35,000 with no explicit loan purpose. You can use the loan amount to pay for re vacation.

Prospective borrowers can choose from multiple loan types, including peer-to-peer, personal installment loans, and bank personal loans, depending on their needs. This flexibility means that it’s easier to find the best personal loan for your financial situation.

The annual percentage rate (APR) range of is between 5.99% and %, which is competitive with other similar lending platforms. The principal loan amount, repayment terms, and applicant’s credit score all influence the final APR.

The platform also charges an origination fee ranging from 1% to 5%. Depending on the personal loan lender, you may also have to pay late fees, administration fees, or prepayment penalties. The loan term also depends on the lender, but the overall range is between 90 days and eight years.

An appealing feature of is that it offers a rapid application process and fast funding. The loan request process is user-friendly and clearly explains various personal loan terms and conditions. The platform provides obligation-free quotes that include monthly payments, terms, and types of offers you’ll receive from lenders without needing a hard credit check.

Many lenders on the platform don’t require a minimum credit score, making it a good way to find the best personal loan if you have a poor credit score.

The process is also fast. The platform pairs borrowers with lenders, and you’ll often receive a suitable offer within minutes of submitting the application. Most people report getting the loan money in their bank accounts within 24 hours of approval.

Overall, using a personal loan aggregator like is a good place to start when looking for the best personal loans for you. You can set the loan amount, term, and monthly payment schedule, and the site will identify potential lenders.

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