Compare offers from 100+ trusted lenders

Personal Loans:
$1,000 to $50,000

Compare personalized loan offers in minutes. Fixed rates, predictable payments, and flexible terms from 12 to 60 months. One simple form connects you with lenders competing for your business.

✓ No credit score impact  •  ✓ Takes 2 minutes  •  ✓ 100% free

$50K

Max Loan Amount

5.99%

Starting APR

60 mo

Longest Term

200K+

Loans Funded

Compare Your Personal Loan Options

Why Choose a Personal Loan?

Fixed rates, flexible terms, and funds when you need them

Fixed Interest Rates

Your rate stays the same for the life of the loan. No surprises, no rate hikes - just predictable payments you can budget for.

Set Payoff Date

Unlike credit cards, personal loans have a clear finish line. Choose terms from 12 to 60 months and know exactly when you'll be debt-free.

Fast Funding

Get approved in minutes and funded as soon as the next business day. Some lenders even offer same-day funding.

No Collateral Required

Personal loans are unsecured - you don't need to put up your car or home as collateral. Your approval is based on creditworthiness.

Build Your Credit

Making on-time payments builds your credit history. A personal loan can help improve your credit score over time.

Use for Any Purpose

Debt consolidation, home improvement, medical bills, major purchases - use your personal loan funds however you need.

Popular Uses for Personal Loans

Personal loans can help with almost any financial need

Debt Consolidation

Combine multiple high-interest debts into one lower-rate loan. Simplify your payments and potentially save thousands in interest.

Home Improvement

Finance renovations, repairs, or upgrades without tapping into home equity. Perfect for projects that increase your home's value.

Medical Expenses

Cover unexpected medical bills, elective procedures, or ongoing healthcare costs with predictable monthly payments.

Emergency Expenses

Life happens. A personal loan can help cover unexpected car repairs, appliance replacements, or other urgent needs.

Major Purchases

Finance a vacation, wedding, furniture, or other large expense with a fixed payment plan instead of credit card debt.

Moving Costs

Relocating can be expensive. Cover moving expenses, security deposits, and furnishing a new place.

How Personal Loans Work

Compare, choose, and get funded in three simple steps

1

Check Your Rate

Fill out one simple form in 2 minutes. We'll check your rate with multiple lenders using a soft inquiry - no impact to your credit score.

2

Compare Offers

Review personalized offers from lenders in our network. Compare rates, terms, and monthly payments to find your best option.

3

Get Your Funds

Choose your preferred offer and complete the application. Funds can be deposited as soon as the next business day.

Personal Loan Rates by Credit Score

Estimated APR ranges based on credit profile

Credit Score Credit Rating Estimated APR Your Odds
740+ Excellent 5.99% - 12.99% Best rates available
670-739 Good 10.99% - 18.99% Strong approval odds
580-669 Fair 15.99% - 28.99% Good options available
500-579 Poor 24.99% - 35.99% Lenders in our network

Actual rates depend on creditworthiness, loan amount, and term length.

Personal Loan FAQ

Answers to common questions

A personal loan is a fixed-amount loan you borrow from a bank, credit union, or online lender that you repay in fixed monthly installments over a set term (typically 12-60 months). Unlike credit cards, personal loans have a fixed interest rate and set payoff date, making them ideal for consolidating debt, financing large purchases, or covering unexpected expenses.
Personal loan amounts typically range from $1,000 to $50,000, though some lenders offer up to $100,000 for well-qualified borrowers. The amount you qualify for depends on your credit score, income, existing debt, and the lender's policies. Most borrowers receive offers between $5,000 and $25,000.
Credit score requirements vary by lender. Traditional banks typically require scores of 670+, while online lenders may work with scores as low as 500-580. The best interest rates are reserved for borrowers with excellent credit (740+), but options exist for all credit levels. Our network includes lenders for every credit situation.
Personal loan APRs typically range from 5.99% to 35.99%, depending on your creditworthiness, loan amount, and term length. Excellent credit borrowers (740+) often qualify for rates under 10%, while fair credit borrowers (580-669) may see rates from 15-25%. Comparing multiple lenders is key to finding your best rate.
Online lenders can often approve and fund personal loans within 1-3 business days. Some lenders offer same-day or next-day funding for qualified borrowers. Traditional banks may take 1-2 weeks. The timeline depends on how quickly you submit required documents and complete verification.
No. Checking your rate through SwipeSolutions uses a soft credit inquiry, which has no impact on your credit score. You can compare multiple offers without any risk. A hard inquiry only occurs when you formally apply with a specific lender after choosing your preferred offer.

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See what rates you qualify for in just 2 minutes. No impact to your credit score.

✓ No credit impact  •  ✓ 100% free  •  ✓ Funds as soon as tomorrow