Find The Best Personal Loans

We created this guide to review the best available personal loans on the market today.

Personal loans can be used for almost anything including but not limited to debt consolidation, home improvement projects or unforeseen medical expenses.

Depending on your creditworthiness, you can find online and traditional banks with options that provide personal loans. Among the details to consider when applying for a personal loan, you should check what if any fees are associated with the loan, what the interest rate and payment terms are, and if there are prepayment penalties associated with your loan. If you’re considering using your personal loan to consolidate higher-interest debts, you should also consider the total monthly payment you can afford to service your loan.

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Although we try to remain as objective as possible, this compensation can occasionally impact which products and offers we review or where and how they are displayed on these pages. We try to be as comprehensive as possible with our product reviews but we cannot review every product or offer available on the market. Please contact us at support@readyforzero.com if there is a product or offering you think should be reviewed by our personal finance experts.


Highlights to Consider Based On Our Review
  • No pre-payment penalties
  • Fast, in some cases same-day approvals *
  • Loan options for consumers with less than stellar credit
  • Transparent terms and pricing
  • Borrow up to $35,000 **
Highlights to Consider Based On Our Review
  • Closing fees may apply to your loan depending on your credit
  • Good credit required to qualify for the best rates
  • Borrow up to $35,000
  • Our blog has a more in-depth review of Prosper
Highlights to Consider Based On Our Review
  • Closing fees may apply to your loan depending on your credit
  • Good credit required to qualify for the best rates
  • Borrow up to $35,000
  • Our blog has a more in-depth review of Lending Club
Highlights to Consider Based On Our Review
  • Rates as low as 5.50%
  • No extra closing or other loan fees, on pre-payment penalties
  • Good credit required in most cases to qualify for loans
  • Borrow up to $100,000
Highlights to Consider Based On Our Review
  • Borrow up to $50,000 at rates as low as 4.25%
  • Superior in-house service for the life of your loan
  • No fees for origination, prepayment, or loan disbursement

* The approval process may take longer if additional documents are requested. Approval and loan terms will vary based on credit determination and state law.

** The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Minimum loan amounts vary by state.

*** ReadyforZero is not affiliated with Springleaf in any way other than as a distributor of information regarding Springleaf’s online Consumer Loan products and services and all decisions regarding any Consumer applications made to Springleaf are solely the right and responsibility of Springleaf.

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