Skip to Main Content

If you’re looking for the best personal loan to renovate your home, consolidate debt or cover urgent expenses, check out our Bankrate 2025 award winners. Our experts ranked and reviewed everything from rates to customer service to give you our unbiased take on the best personal loan lenders of 2025. While some lenders may be partners, this didn’t influence our process.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Read more about how we scored the 2025 Bankrate Awards winners in .

See our top picks

2025 Bankrate Awards Winner Badge

Best for borrowers with bad credit

Upgrade

Upgrade

Learn more in our Bankrate review
Highlights Low origination fees Low credit score minimum Long repayment terms

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for borrowers with excellent credit

Discover

Discover

Learn more in our Bankrate review
Highlights No origination fees Low minimum and maximum APRs Long term repayment options

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for first-in-class customer experience

Upgrade

Upgrade

Learn more in our Bankrate review
Highlights Entirely online application process Wide range of loan terms Seven-day-a-week customer service access

Why they won

Top features

Find a loan that suits your needs

Simplify your search and compare personal loan rates in one place.

Compare today's rates
Awards
2025 Bankrate Awards Winner Badge

Best personal loan in an emergency

LendingClub

LendingClub

Learn more in our Bankrate review
Highlights Low minimum rates Cheaper fees Longer terms available

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for home improvement

LightStream

LightStream

Learn more in our Bankrate review
Highlights Loan amounts up to $100,000 No origination or late fees Low APRs

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for debt consolidation

Discover

Discover

Learn more in our Bankrate review
Highlights Longer repayment term Low minimum and maximum rates No origination fees

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best online lender

SoFi logo

SoFi

Learn more in our Bankrate review
Highlights Completely digital experience Six-figure loan amount maximum Customer service seven days a week

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best from a bank

TD Bank

TD Bank

Learn more in our Bankrate review
Highlights 24/7 phone support Mobile app available Regular banking products available

Why they won

Top features

Explore the best of the best

Check out the 2025 Bankrate Awards winners across our top categories.