Personal Loans

Best major purchase picks

Spread the cost of a big expense over fixed terms. Compare our current picks, matched to your credit profile.

Editor's take: How we pick: we prioritize transparent APRs, no hidden origination surprises, and realistic approval odds.

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Great for consolidating debtUnify Consolidation Loan

1,490 reviews

APR range8.99%–24.99%

Amount$2,000–$50,000

Term24–60 months

Orig. fee0%–5%

Direct payoff to your creditors
Fixed rate and payment
No prepayment penalty

Check your rate See details

Great for fast fundingSwift Funds Loan

588 reviews

APR range10.99%–29.99%

Amount$1,000–$25,000

Term12–48 months

Orig. fee1%–6%

Same-day decision
Funds as soon as the next business day
Soft-pull pre-qualification

Check your rate See details

Great for renovationsRenew Home Project Loan

512 reviews

APR range7.99%–19.99%

Amount$5,000–$100,000

Term36–84 months

Orig. fee0%–3%

No home equity required
Longer terms for big projects
Fixed monthly payment

Check your rate See details

More ways to browse

Debt consolidation Home improvement Emergency Fair / bad credit

Frequently asked questions

You borrow a fixed amount and repay it in equal monthly installments over a set term at a fixed rate — so your payment never changes and you know your payoff date up front.

Pre-qualifying uses a soft inquiry that doesn't affect your score. A hard inquiry only happens if you formally apply for a chosen offer.

Most personal loans are flexible — consolidating credit-card debt, home projects, medical bills, or large one-off costs. Rates are usually lower than carrying a card balance.