{"id":203,"date":"2022-10-28T16:24:52","date_gmt":"2022-10-28T16:24:52","guid":{"rendered":"https:\/\/content-hub.stackcommerce.net\/guide\/?p=203"},"modified":"2023-08-02T23:53:07","modified_gmt":"2023-08-02T23:53:07","slug":"best-personal-loan-rates-for-2023","status":"publish","type":"post","link":"https:\/\/content-hub.stackcommerce.net\/guide\/loans\/best-personal-loan-rates-for-2023","title":{"rendered":"Best Personal Loans for 2023: Discover Top Options"},"content":{"rendered":"\t<div class=\"entrepreneur-authors\">\n\t\t<div class=\"images\">\n\t\t\t<a href=\"https:\/\/content-hub.stackcommerce.net\/guide\/author\/jason-fell\"><img loading=\"lazy\" src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2023\/01\/jason-fell-150x150.png\" width=\"48\" height=\"48\" alt=\"Jason Fell\" class=\"avatar avatar-48 wp-user-avatar wp-user-avatar-48 alignnone photo\" \/><\/a>\t\t<\/div>\n\t\t<div class=\"members\">\n\t\t\t<span class=\"member\"><a href=\"https:\/\/content-hub.stackcommerce.net\/guide\/author\/jason-fell\">Jason Fell<\/a><\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\n\n\n<div class=\"wp-block-entrepreneur-guide-commission-notice wp-block-entrepreneur commission-notice-block\"><p class=\"text\">We may earn an affiliate commission from partner links on the Entrepreneur Guide. These do not affect our editors\u2019 opinions.<\/p><\/div>\n\n\n\n<p>To get the best personal loan rates, lenders look for excellent credit scores, a low debt-to-income ratio, and desired loan amounts.<\/p>\n\n\n<div class=\"wp-block-buttons\"><\/div>\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-black-color has-text-color has-background\" href=\"#widget\" style=\"background-color:#fde047\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Check out today\u2019s best personal loan rates below \u2192<\/strong><\/a><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-page-index wp-block-entrepreneur\"><div class=\"post-tree-index\" data-script=\"entrepreneur-accordion\"><div class=\"accordion-item is-hidden\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><div class=\"trigger index-trigger\"><span class=\"text\" data-active=\"Hide Index\" data-inactive=\"Show Index\">Show Index<\/span><\/div><\/div>\t<div class=\"item-content\">\n\t\t<ul class=\"content\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\" href=\"#h-our-top-choices-of-personal-loan-rates\">Our top choices of personal loan rates:<\/a>\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#lightstream-best-overall-personal-loan-rates\">LightStream: Best Overall Personal Loan Rates<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#sofi-best-for-large-loan-amounts\">SoFi: Best for Large Loan Amounts<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#penfed-best-for-low-rates-at-a-credit-union\">PenFed: Best for Low Rates at a Credit Union<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#u-s-bank-best-for-existing-u-s-bankers\">U.S. Bank: Best for Existing U.S. Bankers<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#wells-fargo-best-for-current-wells-fargo-account-holders\">Wells Fargo: Best for Current Wells Fargo Account Holders<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#upstart-best-for-loans-under-1000\">Upstart: Best for Loans Under $1,000<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\"\n\t\t\t\t\t   href=\"#discover-best-for-no-interest-if-paid-within-30-days\">Discover: Best for No Interest if Paid Within 30 Days\u00a0<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\" href=\"#h-reasons-to-get-a-personal-loan\">Reasons to get a personal loan<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a class=\"index-element\" href=\"#h-the-bottom-line\">The bottom line<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<\/div><\/div><\/div>\n\n\n\n<h2 id=\"h-our-top-choices-of-personal-loan-rates\"><strong>Our top choices of personal loan rates:<\/strong><\/h2>\n\n\n\n<ol><li>LightStream: Best Overall Personal Loan Rates<\/li><li>SoFi: Best for Large Loan Amounts<\/li><li>PenFed: Best for Low Rates at a Credit Union<\/li><li>U.S. Bank: Best for Existing U.S. Bankers<\/li><li>Wells Fargo: Best for Current Wells Fargo Account Holders<\/li><li>Upstart: Best for Loans Under $1,000<\/li><li>Discover: Best for No Interest if Paid Within 30 Days<\/li><\/ol>\n\n\n\n<p><em>We would like to keep all of our information up to date as best as possible, so it is important to note that APR and loan details can fluctuate monthly. It is also important to note that <\/em><em>lenders<\/em><em> can set rates based on specific <\/em><em>loan purposes<\/em><em>.&nbsp;<\/em><\/p>\n\n\n\n<p><em>Be sure to confirm APR and loan conditions based on your desired reasons for taking out a personal loan.<\/em><\/p>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-1 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">1<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"lightstream-best-overall-personal-loan-rates\"><strong>LightStream: Best Overall Personal Loan Rates<\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$5,000 to $100,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">660<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">3.99% to 19.99%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/11\/LightStream-logo.png\" alt=\"LightStream logo\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.myfinance.com\/reporting\/32342261\/?utm_campaign=entr-lightst-pl-link&amp;sub_id=BestPersonalLoanRates\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Check if you qualify<\/a><span class=\"disclaimer\"><\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $5,000 to $100,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> 660<\/p>\n\n\n\n<p><strong>Annual Percentage\/<\/strong><strong>APR range<\/strong><strong>:<\/strong> 3.99% to 19.99%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lightstream.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">LightStream<\/a> is a consumer lending platform that offers unsecured personal loans for as little as $5,000 to $100,000. This lender is a good option because they offer a wide range of borrowing amounts. Typically, repayment terms are available from two to seven years, making it an excellent choice for desired repayment time frames.<\/p>\n\n\n\n<p>In addition to flexible repayment terms, LightStream has no origination fees, late fees, or prepayment fees. They are known for their low-interest rates and fast approval and funding.<\/p>\n\n\n\n<p>LightStream is a good choice as we have rated it best for overall personal loan rates compared to its competitors.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-2 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">2<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"sofi-best-for-large-loan-amounts\"><strong>SoFi: Best for Large Loan Amounts<\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$5,000 to $100,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">650<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">6.99% to 22.23%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/10\/SoFi_logo.png\" alt=\"\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.myfinance.com\/reporting\/32342264\/?utm_campaign=entr-sofi-pl-link&amp;sub_id=BestPersonalLoanRates\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Check if you qualify<\/a><span class=\"disclaimer\"><\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $5,000 to $100,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> 650<\/p>\n\n\n\n<p><strong>Annual Percentage Rate<\/strong><strong>\/<\/strong><strong>APR range<\/strong><strong>:<\/strong> 6.99% to 22.23%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.sofi.com\/personal-loan-dr\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SoFi<\/a> was founded in 2011 and has extended more than $50 billion in loans and is known for lending high loan amounts and loan term extensions. As loan amounts vary in each state, SoFi offers loans from $5,000 to $100,000, making it a good option for those who have good credit and want a large lump sum of money.<\/p>\n\n\n\n<p>Loan terms range from two to seven years, although they also grant term extensions. SoFi requires a minimum credit score of 650 and an annual income of at least $45,000. They also allow prospective borrowers to submit joint-applications for spouses but do not allow co-signers.<\/p>\n\n\n\n<p>SoFi is a great choice for those seeking larger loan amounts.&nbsp;<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-3 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">3<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"penfed-best-for-low-rates-at-a-credit-union\"><strong><strong>PenFed: Best for Low Rates at a Credit Union<\/strong><\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$5,000 to $100,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">650<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">5.99% to 17.99%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/11\/Penfed.png\" alt=\"Penfed logo\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.penfed.org\/personal-loans\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Learn More<\/a><span class=\"disclaimer\">On PenFed&#8217;s Website<\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $500 to $50,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> 650<\/p>\n\n\n\n<p><strong>Annual Percentage Rate<\/strong><strong>\/<\/strong><strong>APR range<\/strong><strong>:<\/strong> 5.99% to 17.99%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.penfed.org\/personal-loans\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">PenFed<\/a> was originally designed to serve only U.S. military members and veterans, federal employees, and retirees but has recently expanded its offerings to non-military individuals. They are partnered with many federal organizations such as:<\/p>\n\n\n\n<ul><li>The American Society of Military Comptrollers<\/li><li>Coast Guard Auxiliary Association<\/li><li>Navy League of the United States<\/li><li>United States Army Warrant Officers Association<\/li><\/ul>\n\n\n\n<p>PenFed offers fixed, low-interest rates on loans that start from $600 to $50,000. PedFeds personal loan rates vary from 5.99% to 17.99% considering your credit score and application requirements. PenFed also boasts no title or deed requirements, no early payoff penalties, and no origination fees.<\/p>\n\n\n\n<p>One more thing to consider when comparing lenders is that PedFed requires you to become a member upon loan approval and acceptance. Membership is free, but you will be required to make a small deposit into your PedFed account once you become a member.<\/p>\n\n\n\n<p>PenFed is a promising option for U.S. citizens, mostly veterans, and federal agents, with low rates for a credit union.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-4 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">4<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"u-s-bank-best-for-existing-u-s-bankers\"><strong><strong><strong>U.S. Bank: Best for Existing U.S. Bankers<\/strong><\/strong><\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$5,000 to $100,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">680<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">5.49% to 17.99%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/11\/us-bank-logo.png\" alt=\"us bank logo\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.usbank.com\/loans-credit-lines\/personal-loans-and-lines-of-credit.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Learn More<\/a><span class=\"disclaimer\">On U.S. Bank&#8217;s Website. Member FDIC<\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $1,000 to $50,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> 680<\/p>\n\n\n\n<p><strong>Annual Percentage Rate<\/strong><strong>\/<\/strong><strong>APR range<\/strong><strong>:<\/strong> 5.49% to 17.99%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.usbank.com\/loans-credit-lines\/personal-loans-and-lines-of-credit.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">U.S. Bank<\/a> offers unsecured personal loans ranging from $1,000 to $50,000 to U.S. residents and bank account holders. Loan terms can range from 12 to 60 months. U.S. Bank also offers rates that range from 5.49% to 17.99%, depending on your credit score and history. They also offer a .50% rate deduction if you choose autopay.<\/p>\n\n\n\n<p>U.S. Bank charges no origination fee and no prepayment penalties. Applying for a loan can easily be done online for U.S citizens and current bank account holders.<\/p>\n\n\n\n<p>U.S. Bank is our number one choice for existing U.S. bankers.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-5 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">5<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"wells-fargo-best-for-current-wells-fargo-account-holders\"><strong><strong><strong><strong>Wells Fargo: Best for Current Wells Fargo Account Holders<\/strong><\/strong><\/strong><\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$3,000 to $100,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">No requirement<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">5.74% to 24.24%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/11\/Wells-Fargo-logo.png\" alt=\"Wells Fargo logo\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.wellsfargo.com\/jump\/personal-loans\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Learn More<\/a><span class=\"disclaimer\">On Wells Fargo&#8217;s Website<\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $3,000 to $100,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> No requirement<\/p>\n\n\n\n<p><strong>Annual Percentage Rate<\/strong><strong>\/<\/strong><strong>APR range<\/strong><strong>:<\/strong> 5.74% to 24.24%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.wellsfargo.com\/jump\/personal-loans\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Wells Fargo<\/a> offers personal loan amounts between $3,000 and $100,000 with repayment terms of 12 to 84 months. If you choose a repayment loan term of 84 months, your monthly payment will be lower as opposed to a 12-month term, but you will end up paying more in interest.<\/p>\n\n\n\n<p>Wells Fargo offers rates from 5.74% to 24.24% for qualifying customers and a .25% relationship discount if you are a Wells Fargo bank account holder. As well, if you do not choose auto-pay, rates can increase to 5.99% to 24.99%.<\/p>\n\n\n\n<p>Wells Fargo&#8217;s existing customers can enjoy hassle-free online applications. Still, new customers will need to visit a Wells Fargo bank branch to open an account and apply for a personal loan.&nbsp;<\/p>\n\n\n\n<p>Wells Fargo does not have branches in these U.S. states:&nbsp;<\/p>\n\n\n\n<ul><li>Indiana<\/li><li>Kentucky<\/li><li>Louisiana<\/li><li>Ohio<\/li><li>Oklahoma<\/li><li>Maine<\/li><li>Massachusetts<\/li><li>Michigan<\/li><li>Missouri&nbsp;<\/li><li>New Hampshire<\/li><li>Vermont<\/li><li>West Virginia<\/li><\/ul>\n\n\n\n<p>As a current Wells Fargo account holder, they would be the best option for personal loans.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-6 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">6<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"upstart-best-for-loans-under-1000\"><strong><strong><strong><strong><strong>Upstart: Best for Loans Under $1,000<\/strong><\/strong><\/strong><\/strong><\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$1,000 to $50,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">600<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">5.4% to 34.99%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/10\/Upstat.png\" alt=\"Upstart Logo\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.myfinance.com\/reporting\/32342266\/?utm_campaign=entr-upstart-pl-link&amp;sub_id=BestPersonalLoanRates\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Check if you qualify<\/a><span class=\"disclaimer\"><\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $1,000 to $50,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> 600<\/p>\n\n\n\n<p><strong>Annual Percentage Rate<\/strong><strong>\/ <\/strong><strong>APR range<\/strong><strong>:<\/strong> 5.4% to 34.99%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.upstart.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Upstart<\/a> has been making a name for itself due to its artificial intelligence and machine-learning approach to borrower applications and qualifications. Upstart has estimated that they have approved 27% more loans than possible with a traditional lending process.<\/p>\n\n\n\n<p>Due to Upstart&#8217;s competitive rates of 5.4% to 34.99% and lower credit minimum of 600, borrowers are turning towards Upstart for their personal loan needs.&nbsp;<\/p>\n\n\n\n<p>They also offer loan terms of three to five years, which can be more restrictive than other competing lenders out there and are available in all but two states, West Virginia and Iowa.&nbsp;<\/p>\n\n\n\n<p>Upstart is a good option for those desiring a loan under $1,000.&nbsp;<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-transactional-widget wp-block-entrepreneur transactional-widget position-7 force-open\"><div class=\"top\"><div class=\"position\"><span class=\"number\">7<\/span><div class=\"data\"><h3 class=\"brand\" class=\"brand\" id=\"discover-best-for-no-interest-if-paid-within-30-days\"><strong><strong><strong><strong><strong><strong>Discover: Best for No Interest if Paid Within 30 Days\u00a0<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3><\/div><\/div><div class=\"info\"><div class=\"box\"><p class=\"prop\"><span class=\"label\"><strong>Loan Amount<\/strong><\/span><span class=\"value\">$2,500 to $35,000<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Credit Score Minimum<\/strong><\/span><span class=\"value\">660<\/span><\/p><p class=\"prop\"><span class=\"label\"><strong>Annual Percentage\/APR range<\/strong><\/span><span class=\"value\">5.99% to 24.99%<\/span><\/p><\/div><\/div><div class=\"more\"><div class=\"logo\"><img src=\"https:\/\/content-hub.stackcommerce.net\/guide\/wp-content\/uploads\/2022\/10\/Discover.png\" alt=\"Discover Logo\"\/><\/div><a class=\"learn-button\" href=\"https:\/\/www.discover.com\/personal-loans\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Learn More<\/a><span class=\"disclaimer\">On Discover&#8217;s Website<\/span><\/div><\/div><div class=\"widget-child-blocks\">\n<div class=\"entrepreneur-accordion\" data-script=\"entrepreneur-accordion\"><div class=\"wp-block-entrepreneur-guide-accordions\">\n<div class=\"accordion-item load-close\"><div class=\"item-tab\"><div class=\"item-img\"><div class=\"icon\"><\/div><\/div><span>Overview<\/span><div class=\"trigger\"><span>(Collapse)<\/span><\/div><\/div><div class=\"item-content\"><div class=\"section-summary\"><div>\n<p><strong>Loan Amount:<\/strong> $2,500 to $35,000<\/p>\n\n\n\n<p><strong>Credit Score<\/strong><strong> Minimum:<\/strong> 660<\/p>\n\n\n\n<p><strong>Annual Percentage Rate<\/strong><strong>\/ <\/strong><strong>APR range<\/strong><strong>:<\/strong> 5.99% to 24.99%<\/p>\n\n\n\n<p><a href=\"https:\/\/www.discover.com\/personal-loans\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Discover<\/a> stands out for personal loans because of its online and easy app access and quick funding. They offer loan amounts of $2,500 to $35,000 with loan terms between three and seven years. This provides a flexible repayment plan that fits best with your monthly budget.<\/p>\n\n\n\n<p>Discover does not charge origination fees or early repayment fees but, on the downside, charges a late payment fee and does not offer an auto pay discount.<\/p>\n\n\n\n<p>The biggest perk is that Discover offers 0% interest if the personal loan is repaid within 30 days, which makes it an attractive option compared to other lenders.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h2 id=\"h-reasons-to-get-a-personal-loan\"><strong>Reasons to get a personal loan<\/strong><\/h2>\n\n\n\n<p>There are many reasons why someone would want a personal loan, and lenders want to know! Some of the most popular reasons for taking out a personal loan would be:<\/p>\n\n\n\n<ul><li><strong>Debt consolidation<\/strong><strong>:<\/strong> You can use a personal loan to pay off all high-interest debt by combining it all into a single loan and monthly payment plan at a lower interest rate.&nbsp;<\/li><li><strong>Starting a business:<\/strong> If you need quick and easy funding to <a href=\"https:\/\/www.entrepreneur.com\/\" target=\"_blank\" rel=\"noopener\">start up your business<\/a>, a personal loan can be an option for small loan amounts and low rates.&nbsp;<\/li><li><strong>Home improvement<\/strong><strong>:<\/strong> With a personal loan, you can use the funds toward a home improvement project. In most cases, this is a good investment because it will add value to your home.<\/li><li><strong>Credit card<\/strong><strong> <\/strong><strong>refinancing<\/strong><strong>:<\/strong> Refinance all high-interest credit card debt into one low-rate monthly payment. This can also potentially improve your credit score.&nbsp;<\/li><li><strong>Major life events:<\/strong> A popular reason for taking out a personal loan is to finance major life events, such as weddings, moving into a new home, or a big vacation.<a id=\"widget\">&nbsp;<\/a><\/li><\/ul>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-personal-loans myFinance-widget\" data-ad-id=\"c1313fd6-9126-4683-9ba0-216411250e85\" data-campaign=\"entrepreneur-ploans-multi\" data-sub-id=\"BestPersonalLoanRates\"><\/div>\n\n\n\n<h2 id=\"h-the-bottom-line\"><strong>The bottom line<\/strong><\/h2>\n\n\n\n<p>Many lenders are out there with competitive annual percentage rates. It is important to do your research and homework before choosing the lender and rate that works for you. While doing research, keep in mind that factors such as credit history, annual income, and total debt all affect your final APR.&nbsp;<\/p>\n\n\n\n<p>For more information and cutting-edge content about the business world, including <a href=\"https:\/\/www.entrepreneur.com\/video\" target=\"_blank\" rel=\"noopener\">videos<\/a>, <a href=\"https:\/\/www.entrepreneur.com\/bookstore\" target=\"_blank\" rel=\"noopener\">books<\/a>, and <a href=\"https:\/\/www.entrepreneur.com\/events\" target=\"_blank\" rel=\"noopener\">online events<\/a>, check out <em>Entrepreneur<\/em>.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-entrepreneur-guide-disclaimer-advise wp-block-entrepreneur disclaimer-advise\"><p class=\"information\">Information provided on Entrepreneur Guide is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, we do not recommend or advise individuals to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>To get the best personal loan rates, lenders look for excellent credit scores, a low debt-to-income ratio, and desired loan amounts. Our top choices of personal loan rates: LightStream: Best Overall Personal Loan Rates SoFi: Best for Large Loan Amounts PenFed: Best for Low Rates at a Credit Union U.S. Bank: Best for Existing U.S. [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"post_jail":false,"hero_heading":false,"post_description":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v20.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Personal Loan for 2023: Discover Top Options<\/title>\n<meta name=\"description\" content=\"Comparing personal loans is essential to choosing the best offer available. 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