A personal loan is a fixed-rate installment loan you can use for almost anything. Because the rate and best use depend on the type, it pays to match the loan to the job.
Read moreShow less
Debt consolidation loans
Best for rolling multiple high-interest debts (often credit cards) into one fixed monthly payment at a lower rate. Some lenders pay your creditors directly. Use this to save on interest and simplify payments, not to free up cards you will run up again.
Home improvement loans
An unsecured way to fund renovations without tapping home equity. Good when you want speed and no lien on your home, though rates are usually higher than a HELOC or cash-out refinance for large projects.
Major expenses and emergencies
Medical bills, moving costs, or a one-time large purchase can be smoothed into predictable payments. Reserve these for genuine needs; for true emergencies, compare against lower-cost options first.
Secured vs. unsecured (and what to avoid)
Most personal loans are unsecured (no collateral). Secured options, like share-secured loans, can help thin or rebuilding credit. Many lenders prohibit using funds for education, business, or investments. Watch origination fees, which can reach 1-8% and come out of your proceeds.
Lenders
Compare options.
The Loan Hub pulls published rates from a wide range of lenders so you can see who is advertising the lowest APRs. We also flag which lenders let you check whether you prequalify with a soft pull, so you can rate shop with no impact on your credit score.
Loan Hub · Personal
Personal loans.
47lenders
A personal loan is a fixed-rate installment loan you can use for almost anything. Because the rate and best use depend on the type, it pays to match the loan to the job.
Read moreShow less
Debt consolidation loans
Best for rolling multiple high-interest debts (often credit cards) into one fixed monthly payment at a lower rate. Some lenders pay your creditors directly. Use this to save on interest and simplify payments, not to free up cards you will run up again.
Home improvement loans
An unsecured way to fund renovations without tapping home equity. Good when you want speed and no lien on your home, though rates are usually higher than a HELOC or cash-out refinance for large projects.
Major expenses and emergencies
Medical bills, moving costs, or a one-time large purchase can be smoothed into predictable payments. Reserve these for genuine needs; for true emergencies, compare against lower-cost options first.
Secured vs. unsecured (and what to avoid)
Most personal loans are unsecured (no collateral). Secured options, like share-secured loans, can help thin or rebuilding credit. Many lenders prohibit using funds for education, business, or investments. Watch origination fees, which can reach 1-8% and come out of your proceeds.
Lenders
Compare options.
The Loan Hub pulls published rates from a wide range of lenders so you can see who is advertising the lowest APRs. We also flag which lenders let you check whether you prequalify with a soft pull, so you can rate shop with no impact on your credit score.
OtherLimited to residents/workers/worshippers/students in designated counties of UT, NV, AZ, ID, OR, NM, or parts of San Bernardino County, CA, plus Utah food-industry workers, SEG employees, or family of existing members.
Open to anyoneAnyone can join by becoming a member of a partner association (Financial Fitness Association or Computer History Museum) during the online application; First Tech typically covers the association fee.
OtherOpen to residents/workers in Alaska, Washington, northern Idaho, Maricopa County AZ, or San Bernardino County CA; DoD employees worldwide; or family members of a qualifying member.
OtherLimited to people who live/work/attend school in any Idaho county, select WA school districts, specific OR/AZ counties, State of Idaho employees, members of other Idaho-based credit unions, or family of a member.
OtherMembership is limited to active-duty military, veterans, DoD civilian employees/contractors, and their immediate family or household members; there is no public workaround for unaffiliated civilians.
OtherOver 5,000 qualifying paths via employer, place of worship, community organization, school, military base commissary access, or family of an existing member, but no membership route open to literally anyone.
OtherLimited to employees (and some contracted service providers, education students, and retirees) of California K-12 schools, colleges/universities and districts, plus immediate family members of existing members.
OtherOpen to those who live, work, worship, attend school, or volunteer in Texas, Colorado, or Utah; select military/DoD affiliates; or family/household members of a current member.
OtherMembership limited to employees/retirees of North Carolina state government, public schools, community colleges, universities, and certain affiliated employers, plus their immediate family or household members.
OtherOpen to anyone who lives, works, attends school, or worships in Suncoast's ~40 eligible Florida counties (plus, since 2021, any Florida public educator), or has an immediate family member who is a member.
OtherOpen to anyone who lives or regularly works in California (or is a CA-based business), plus family members/domestic partners of existing members; no path for non-California residents.
Open to anyoneAnyone can qualify by donating at least $5 to the VyStar Foundation, in addition to Florida/Georgia county residency, military affiliation, Brightway Insurance ties, or SEG employer paths.
Estimates are educational and based on cataloged data for your score band (Unknown). They are not an offer, approval prediction, or guarantee. Bureau pulls can vary by state, channel, and applicant. Lender policies change; each rate shows the date we last verified it, and entries older than 60 days are flagged.
The lowest advertised APRs generally require excellent credit and may include an autopay discount. Origination fees, where charged, are deducted from loan proceeds.
