The best in personal loans

Upgrade offers borrowers with credit scores as low as 580 a solid personal loan choice with fees lower than those of several other bad credit lenders reviewed by Bankrate. The lender is the clear winner on loan term flexibility, giving qualified borrowers up to seven years to repay. That helps you pay less each month while working toward a better future credit score.

Discover rewards borrowers with superior credit management skills by offering the lowest minimum rates of the top excellent credit lenders reviewed by Bankrate. The lender doesn’t charge any fees, which means you receive all of the funds you borrow. You can also spread your payment out longer than many other lenders and have access to customer service every day of the week.

Upgrade customers can choose multiple ways to stay on top of their loan with chat, email, phone support and a highly rated app available every day of the week. The lender also offers perks like free credit score monitoring.

LendingClub can fund qualified borrowers the same day they apply, making it a great choice if you need money for an unexpected, urgent expense. Plus, LendingClub's origination fees top out lower than at other Bankrate-reviewed emergency loan competitors.

LightStream offers repayment terms and rates that rival home equity products, with one major advantage: no fees. Add a six-figure loan amount maximum and quick funding times, and it’s easy to see why the lender earned Bankrate’s award for best home improvement personal loan lender.

Discover combines low minimum and maximum APRs with a longer maximum term to give you a smaller payment on a debt consolidation loan. You won’t have origination fees deducted from the loan amount because Discover doesn’t charge any. Finally, Discover will save you effort by sending the funds directly to your existing creditors.

SoFi combines the flexibility of high loan amounts and a wide range of repayment options with a completely digital application experience. It also offers an impressive array of exclusive benefits, such as referral bonuses and rate discounts. SoFi even offers same-day funding for quick cash needs if you apply early enough on business days.

TD Bank gives customers a competitive rate option alongside access to all of its standard banking products. Funding may be available as quickly as one day, and you can choose in-person service if you live near one of TD Bank’s branches. Competitive rates combined with no origination fees make TD Bank Bankrate’s top choice for personal loans from a bank.