Best personal loans for good credit in October 2025

Best for small loan amounts

PERSONAL LOAN

4.7

7.04- 35.99%

Min credit score

600

$309

Loan amount

$1k-$60k

4.2

Best for unique secured loans

PERSONAL LOAN

4.6

6.99- 35.99%

Min credit score

600

$309

Loan amount

$2k-$50k

Not disclosed

Best for repaying credit cards

PERSONAL LOAN

4.5

7.95- 29.99%

Min credit score

640

$314

Loan amount

$5k-$40k

Not disclosed

Best for smaller low-fee loans

PERSONAL LOAN

4.8

7.99- 24.99%

Min credit score

660

$314

Loan amount

$2.5k-$40k

Not disclosed

Best for large loans

PERSONAL LOAN

4.7

8.99- 35.49%

with all discounts

Min credit score

300

$318

Loan amount

$5k-$100k

4.2

Best for fast funding

PERSONAL LOAN

4.3

8.01- 29.99%

with Autopay

Min credit score

Not disclosed

$314

Loan amount

$2k-$45k

Not disclosed

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A closer look at the best good credit loan lenders

We’ve taken a deep dive into each featured lender so you can get the full picture of why each lender is the best in its category. Where available, we’ve also included data from real Daily Tech Finance users to help you determine which lender best matches your lending plans.

LightStream: Best for rate matching

4.5

Est. APR

6.24%–24.89%

Loan amount

$5k–$100k

Min credit score

660

Loan term

2-7 yrs

Origination fee

None

Pros

Winner of Daily Tech Finance Award for best home improvement loan
High loan amount maximum and no fees
Offers a rate-matching program

Cons

High credit score minimum
No online prequalification
High minimum loan amount

Pros

Winner of Daily Tech Finance Award for best home improvement loan
High loan amount maximum and no fees
Offers a rate-matching program

Cons

High credit score minimum
No online prequalification
High minimum loan amount

WHO'S IT FOR:

LightStream only lends to good and excellent credit borrowers, offering personal loans for almost any type of need and a rate-beat program that could provide up to a 0.10 percent discount on other offers.

Known qualification requirements

Good-to-excellent credit profile

Several years of mixed credit

Assets or savings

Earn a stable, sufficient income

Few reported delinquencies

Fees

None

Time to receive funds

Same day if approved by 2:30 p.m. ET, Monday through Friday
Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

LendingClub: Best for small loan amounts

4.7

Est. APR

7.04%–35.99%

Loan amount

$1k–$60k

Min credit score

600

Loan term

2-7 yrs

Origination fee

0%-8%

Pros

Funds may be available the day you apply
Joint loans allowed
Funds may be available the day you apply

Cons

High origination fees
No autopay discount
High maximum APR

Pros

Funds may be available the day you apply
Joint loans allowed
Funds may be available the day you apply

Cons

High origination fees
No autopay discount
High maximum APR

WHO'S IT FOR:

Borrowers who are looking to fund a smaller purchase or project can also enjoy such benefits as free credit monitoring, cash back regards and access to LendingClub's exclusive TopUp Loan.

Known qualification requirements

U.S. citizen or permanent resident

At least 18 years old

Valid email address

Valid bank account

Fees

Origination fee of 0% to 8%

Late payment fee of $15 or 5%, whichever is greater

$15 insufficient funds fee

Time to receive funds

As soon as 24 hours, or 2 weeks if sent directly to creditors
Between Jan 2025 to June 2025, 55% of LendingClub Personal Loans that were approved for funding (which is after your loan application is approved) on a given business day were disbursed within 24 hours. Actual availability of funds may vary and is dependent on multiple factors, including, but not limited to your receiving bank’s processing times and policies. A business day is defined as Monday through Friday and excludes the weekend and bank holidays.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,234 for a term of 36 months, with an interest rate of 13.24% and a 6.00% origination fee of $1,154 for an APR of 17.63%. In this example, the borrower will receive $18,080 and will make 36 monthly payments of $650. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 7.04% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2025 and are subject to change without notice.

Loans are made by LendingClub Bank, N.A., Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of this platform, which is an unrelated third party (“third party”), and is not responsible for any products and services provided by this third party. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history. Loans are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures. “LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.

Best Egg: Best for unique secured loans

4.6

Est. APR

6.99%–35.99%

Loan amount

$2k–$50k

Min credit score

600

Loan term

3-5 yrs

Origination fee

0.99%-9.99%

Pros

Low minimum credit score
No prepayment penalty
Quick funding

Cons

Origination fee
Late fee
Risk of losing collateral on secured loans

Pros

Low minimum credit score
No prepayment penalty
Quick funding

Cons

Origination fee
Late fee
Risk of losing collateral on secured loans

WHO'S IT FOR:

Best Egg has some of the lowest rates, so good credit borrowers may get lower rates than at other lenders. Best Egg's unique secured loan option could ensure a more affordable payment.

Known qualification requirements

U.S. citizen or permanent resident

Legal age in state to accept loan

Personal checking account with routing number

Valid email

Physical address in qualifying state
Fees

Origination fee of 0.99% to 8.99%

$15 late payment fee

$15 returned payment fee
Time to receive funds

Next business day after approval

* Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 6.99% APR has 36 scheduled monthly payments of $152.83. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crtresolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions

Happy Money: Best for repaying credit cards

4.5

Est. APR

7.95%–29.99%

Loan amount

$5k–$40k

Min credit score

640

Loan term

2-5 yrs

Origination fee

0.25%-10%

Pros

Option to change payment date
Free monthly FICO updates
5 days a week customer service

Cons

Origination fee
Requires at least three years of credit history
Only one loan at a time

Pros

Option to change payment date
Free monthly FICO updates
5 days a week customer service

Cons

Origination fee
Requires at least three years of credit history
Only one loan at a time

WHO'S IT FOR:

If you're looking to pay off high-interest credit debt and improve your score even more, Happy Money's Payoff Loan may be a good option. As a bonus, Happy Money will send payments directly to your creditors, so you don’t have to.

Known qualification requirements

No delinquencies on current debts

Have at least three years of credit history

Not reside in Iowa, Massachusetts or Nevada

Fees

Origination fee of up to 5%

Time to receive funds

Funds are sent within 3 to 6 business days after approval

This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.

Prosper: Best for peer-to-peer lending

4.5

Est. APR

8.99%–35.99%

Loan amount

$2k–$50k

Min credit score

600

Loan term

2-5 yrs

Origination fee

1%-9.99%

Pros

No prepayment penalty
Joint applications allowed
Option to change your payment date

Cons

No co-signers allowed
Origination fee
Late fee

Pros

No prepayment penalty
Joint applications allowed
Option to change your payment date

Cons

No co-signers allowed
Origination fee
Late fee

WHO'S IT FOR:

Prosper is a peer-to-peer lender that shares your loan application with multiple individual lenders. This may help you qualify for lower rates, but it often leads to slightly slower funding times.

Known qualification requirements

Recorded income greater than $0

Resident of qualifying state

At least 18 years old

First-time borrowers: Debt-to-income ratio no greater than 50%

Co-borrowers: Minimum credit score of 600

Co-borrowers: No bankruptcy filings in last 12 months

Co-borrowers: At least one open credit account

Fees

Origination fee between 1% and 9.99%

Late payment fee of $15 or 5%, whichever is greater

Check fee of $5 or 5%, whichever is less

$15 insufficient funds fee

Time to receive funds

Next business day after approval
Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 16.66% and a 8.99% origination fee results in a 23.53% APR. You would receive $9,101.00 and make 36 scheduled monthly payments of $354.84. A five-year $10,000 personal loan with an interest rate of 18.73% and a 8.99% origination fee results in a 23.26% APR. You would receive $9,101.00 and make 60 scheduled monthly payments of $257.92. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ. The average APR for loans with a 3-year term funded between January 1, 2025, and June 30, 2025, was 23.53%. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.

Discover: Best for smaller low-fee loans

4.8

Est. APR

7.99%–24.99%

Loan amount

$2.5k–$40k

Min credit score

660

Loan term

3-7 yrs

Origination fee

None

Pros

No origination fee
Low rates
Long term options

Cons

Unusually high late fee
No 24-month term
$25,000 minimum income requirement

Pros

No origination fee
Low rates
Long term options

Cons

Unusually high late fee
No 24-month term
$25,000 minimum income requirement

WHO'S IT FOR:

If you want to avoid fees, Discover is a good choice — it is one of the few lenders that doesn't charge an origination fee. Discover also offers an 84-month maximum term that can help keep your payment low.

Known qualification requirements

Minimum household income of $25,000

Valid U.S. Social Security number

At least 18 years old
Fees

Possible late payment fee
Time to receive funds

Next business day after approval

Lowest rates include interest-only repayment discount and a .25% interest rate reduction for automatic payment.

SoFi: Best for large loans

4.7

Est. APR

8.99%–35.49%

Loan amount

$5k–$100k

Min credit score

300

Loan term

2-7 yrs

Origination fee

Optional fee up to 7%

Pros

Mobile app and seven-day-a-week customer service
Unique borrower perks
Joint applications allowed

Cons

High minimum loan amount
High maximum APR
Optional fees up to 7 percent

Pros

Mobile app and seven-day-a-week customer service
Unique borrower perks
Joint applications allowed

Cons

High minimum loan amount
High maximum APR
Optional fees up to 7 percent

WHO'S IT FOR:

Not all personal loan lenders offer loans up to $100,000, but SoFi does. If you need a big loan for a big purchase or project, SoFi may be able to fund it.

Known qualification requirements

Be a resident of one of the serviced states

Fees

Optional fees

Time to receive funds

Same-day funding available if approved by 6 p.m. ET

Fixed rates from 8.99% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 04/24/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.

Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

Direct Deposit Discount: To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

Rocket Loans: Best for fast funding

4.3