Personal loans up to $100,000
Consolidate high-interest debt, cover a big expense or get a new venture off the ground. Compare offers from multiple lenders with one short form.
Rates, terms and amounts are set by each lender and depend on your credit, income and state.
What people use them for
One loan, a lot of uses
A personal loan is a lump sum you repay in fixed monthly payments. Most are unsecured, so you don’t put up collateral.
Debt consolidation
Roll several credit card balances into one fixed payment, often at a lower rate.
Home improvement
Fix the roof or redo the kitchen without tapping your home equity.
Big or surprise expenses
Medical bills, car repairs or a move, paid off on a schedule you know.
Starting a business
New ventures often can’t get a business loan yet. Some lenders allow business use; check before you apply.
Ready to see your matches?
Answer a few questions to see personal loan offers you may qualify for. Free to check, no obligation.
How it works
Check your rate in four steps
1
Tell us what you need
Pick an amount and what the loan is for.
2
Share a few details
Income, credit range and contact info. Checking rates uses a soft pull.
3
Compare offers
See APR, monthly payment and fees from lenders side by side.
4
Get your funds
Finish with the lender you pick. Many fund in 1 to 3 business days.
What lenders look at
What affects your rate
- Credit score
Higher scores usually get lower APRs. - Income
Steady income shows you can make the payment. - Debt-to-income
Many lenders want your monthly debt under about 40% of income. - Loan term
Shorter terms often have lower rates but higher payments.
Running a business?
Personal loan or business loan?
| Personal loan | Business loan | |
|---|---|---|
| Based on | Your personal credit and income | Business revenue and time in business |
| Typical amount | $1,000 – $100,000 | $20,000 – $5,000,000 |
| Payments | Fixed monthly | Daily, weekly or monthly |
| Best for | New businesses and personal needs | Established businesses with $20K+ monthly revenue |
Business making $20K+ a month? Compare business loans →
Learn more
Personal loan guides
Personal loan questions, answered
Will checking my rate affect my credit score?
No. Checking rates uses a soft credit inquiry, which doesn’t affect your score. If you accept an offer, the lender will usually run a hard inquiry.
What do I need to qualify?
Most lenders want you to be 18 or older, have a steady income, a bank account and a credit history. Minimum credit scores vary by lender, often from 580 to 660.
How fast can I get the money?
Many lenders send funds within 1 to 3 business days after you’re approved and sign your loan agreement.
Are there fees?
Some lenders charge an origination fee, often 1% to 10% of the loan, taken out of the amount you receive. It’s included in the APR, so compare APRs, not just interest rates.
Can I use a personal loan for my business?
Some lenders allow it and some don’t. Check the lender’s allowed uses before you apply. If your business has steady revenue, a business loan may offer more money.
Is Best Business Outcomes a lender?
No. We connect you with lending partners. Each lender makes its own credit decision and sets its own rates and terms.
Best Business Outcomes is not a lender and does not make credit decisions. We connect you with third-party lending partners. Loan approval, amounts, APRs, fees and terms are set by each lender, depend on your credit, income and state, and are not guaranteed. Personal loan APRs typically range from about 6% to 36%, with terms of 12 to 84 months. Checking rates uses a soft credit inquiry; accepting an offer may result in a hard inquiry.
See what you could borrow.
Free to check. No impact to your credit score.