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Personal Loan Calculator
Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions with confidence. While our website doesn't contain every company or financial product on the market however, we're confident that the advice we provide, the information we provide and the tools we create are impartial, independent, straightforward -- and free. How do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on the website), but it in no way affects our suggestions or recommendations that are based on many hours of study. Our partners are not able to promise us favorable reviews of their products or services. .
Personal Loan Calculator
Use an individual loan calculator to calculate the monthly payment and the total interest costs for the loan.
Updated on Sep 9, 2022.
A majority of the products we feature come from our partners, who pay us. This affects the products we review and the location and manner in which the product appears on a page. But, it doesn't influence our evaluations. Our views are our own. Here's a list and .
Personal loan calculator will calculate the monthly amount you pay and your estimated loan end date. Utilize this calculator to determine the amount you are able to borrow and the length of time the loan will require to repay, based on your credit score, loan amount and repayment time.
Personal loan calculator
Individual loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as the impact on credit score, rates and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, the customer experience and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
On Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score rate and fees customers' experience, and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, including the impact on credit scores rate and fees customers' experience, and responsible lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be beneficial to consumers, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Achieve
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer service and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score rate and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on Achieve
Reach your goals
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
How to shop for a personal loan
Once you know the loan amount, rate and repayment term you want, it's time to evaluate deals. Here are the steps :
Examine your credit report. Examine your credit report to find any mistakes and rectify them before you apply. It is possible to obtain an unrestricted copy of your report from all three credit bureaus by calling .
Pre-qualify. Most lenders let you pre-qualify to see estimated rates without affecting the credit rating. During the , you'll provide basic information like employment status and annual income, as well as the reason you're borrowing it and requested loan amount.
Compare lenders . A loan's annual percentage rate, fees and monthly payment are typically the most crucial features to compare. If you're faced with two competing loan offers, consider like timing for funding, flexibility in payment and special perks like unemployment insurance.
See if you pre-qualify for a personal loan and it will not affect your credit score
Answer a few simple questions to get an estimate of your personal rate from a variety of lenders.
The amount of the loan
on NerdWallet
How do you use the personal loan calculator
Choose your . For instance, if your credit score is 740, you're within the top range. You can check your score on NerdWallet.
Select your preferred loan amount and loan term. Personal loan amounts vary from $1,000 to $100,000, and typical repayment terms range from between one and seven years. A longer loan period will result in lower monthly payments, however higher interest costs.
Pick your loan start date. Select your initial payment date usually within 30 to 45 days following the signing of your loan agreement. If you're unsure of when your payment date is, select the date that's 30 days from the time the date you'll need the money.
Hit calculate to see your results. The results are based on a survey of annual percentage rates provided by lenders within NerdWallet's private loan marketplace. Some of those lenders appear in the results.
Understanding your individual loan calculator results
Monthly payment: This is what you can expect for each monthly installment, depending upon your loan size, loan term and your estimate rate. Monthly payments are lower when you opt for the longer loan duration.
Estimated APR: Those with higher credit scores typically receive lower interest rates, but lenders could also take into account your credit score, in addition to other elements. The majority of personal loans carry fixed rates, meaning your interest rate and payments aren't subject to change during the term that you have the loan. APRs are based on one-time fees to pay for the costs to process your loan.
Here is the estimated score for every credit score range:
How is your credit?
Score range
Estimated APR
Excellent
720-850.
11.3%.
Good
690-719.
15.6%
Fair
630-689.
22.3%.
Bad
300-629.
25.2%.
Source Rates are calculated based on aggregated anonymous offer data from users who pre-qualified in NerdWallet's marketplace for lenders from June 1, 2022, to October. 31 2022. Rates are only estimates and do not apply to all lenders. The lowest credit scores -typically less than a credit score of 500 -- are unlikely to be considered. This table applies only to lenders who have an APR below 36 percent.
Total repaid The total repaid is the amount that you'll be able to pay back with interest, not including the amount you owe at the conclusion period of your loan. A borrower with a great credit score will probably pay less interest than someone with a poor credit score (a score of less than 630). The longer the loan duration, the higher interest you'll pay.
Payoff date: The month that you're required to pay off the loan off when you pay the same monthly installment throughout the duration of the loan. The amortization table shows how much of the loan amount will decrease each month and how your payment will be split between interest and principal.
>> MORE:
The top personal loans
Check out our Best-Of Awards and evaluate the top personal loans and decide on the most suitable one for your project.
Other loan calculators
Calculate your debt-to-income ratio, which is your total monthly payment for debt divided by your income.
Learn what debt consolidating is, and also calculate how much consolidating debt could save you.
Find out about personal loan choices your credit could be able to.
Make use of this calculator to see whether refinancing your personal loan is a good idea for you.
Check out more from NerdWallet's
Frequently asked questions What can I use a personal loan for?
You may do it, such as debt consolidation, home improvement projects or refinancing an existing loan.
What's the best rate of interest on personal loan?
The best private loan rate is the lowest one you qualify for. Borrowers with good or excellent credit (690 or better credit score) can expect the lowest rates. Credit score - Poorer borrowers and higher ratios of debt-to-income typically pay higher APRs.
Where is the best place to obtain a personal loan?
depends on factors including the lender's minimum qualifications in addition to the fees and rates it charges, as well as loan amount, terms and other aspects that are important to you.
How do I get a personal loan fast?
Choose a lender that offers . Many of these lenders are able to fund the loan within the same or next day after approval. To expedite the process, gather documents like W-2sand bank statements, and pay stubs before you apply.
How can I apply for a personal loan with bad credit?
The first step is to compare the loan with the lowest APR and reasonable monthly payments. To increase the chances of qualifying, consider including a co-applicant to the loan application. Secured and co-signed loans typically have lower qualification conditions.
What is my personal loan to purchase?
You could do this, for example, consolidating debt, home improvements projects, or refinancing an existing loan.
What's the best rate of interest for a personal loan?
The most favorable private loan rate is the cheapest one you qualify for. Customers with excellent or excellent credit (690 or higher credit score) will be able to get the best rates. Borrowers with lower credit scores and high debt-to-income ratios often are charged higher APRs.
What is the most convenient place to get a personal loan?
It is contingent upon factors such as the lender's minimum qualifications as well as the rates and fees it charges, and the loan amounts, terms and other factors that matter to you.
How do I get a personal loan fast?
Select a lender that provides . A majority of these lenders will pay a loan within the same or next day following approval. To accelerate the process, you should gather all the necessary documents like W-2s, pay stubs and bank statements before you submit your application.
How can I apply for a personal loan with poor credit?
Before you do that, look for the loan that has a low APR and low monthly payment. To increase your chances of being approved, think about including a co-applicant to the loan applicaiton. Secured and co-signed loans typically have lower qualification criteria.
On a similar note...
Explore even more deeply in Personal Loans
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Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions with confidence. While our website doesn't contain every company or financial product on the market however, we're confident that the advice we provide, the information we provide and the tools we create are impartial, independent, straightforward -- and free. How do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on the website), but it in no way affects our suggestions or recommendations that are based on many hours of study. Our partners are not able to promise us favorable reviews of their products or services. .
Personal Loan Calculator
Use an individual loan calculator to calculate the monthly payment and the total interest costs for the loan.
Updated on Sep 9, 2022.
A majority of the products we feature come from our partners, who pay us. This affects the products we review and the location and manner in which the product appears on a page. But, it doesn't influence our evaluations. Our views are our own. Here's a list and .
Personal loan calculator will calculate the monthly amount you pay and your estimated loan end date. Utilize this calculator to determine the amount you are able to borrow and the length of time the loan will require to repay, based on your credit score, loan amount and repayment time.
Personal loan calculator
Individual loans through our partner companies
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as the impact on credit score, rates and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on the Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 Percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rates and fees, the customer experience and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
On Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
On Achieving
Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score rate and fees customers' experience, and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, including the impact on credit scores rate and fees customers' experience, and responsible lending practices.
APR 18.0-35.99 percent
Amount of loan $1,500-$20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be beneficial to consumers, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on the Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieve
Achieve
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer service and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score rate and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit scores rates and fees, the customer experience and responsible lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
on Achieve
Reach your goals
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees, the customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
How to shop for a personal loan
Once you know the loan amount, rate and repayment term you want, it's time to evaluate deals. Here are the steps :
Examine your credit report. Examine your credit report to find any mistakes and rectify them before you apply. It is possible to obtain an unrestricted copy of your report from all three credit bureaus by calling .
Pre-qualify. Most lenders let you pre-qualify to see estimated rates without affecting the credit rating. During the , you'll provide basic information like employment status and annual income, as well as the reason you're borrowing it and requested loan amount.
Compare lenders . A loan's annual percentage rate, fees and monthly payment are typically the most crucial features to compare. If you're faced with two competing loan offers, consider like timing for funding, flexibility in payment and special perks like unemployment insurance.
See if you pre-qualify for a personal loan and it will not affect your credit score
Answer a few simple questions to get an estimate of your personal rate from a variety of lenders.
The amount of the loan
on NerdWallet
How do you use the personal loan calculator
Choose your . For instance, if your credit score is 740, you're within the top range. You can check your score on NerdWallet.
Select your preferred loan amount and loan term. Personal loan amounts vary from $1,000 to $100,000, and typical repayment terms range from between one and seven years. A longer loan period will result in lower monthly payments, however higher interest costs.
Pick your loan start date. Select your initial payment date usually within 30 to 45 days following the signing of your loan agreement. If you're unsure of when your payment date is, select the date that's 30 days from the time the date you'll need the money.
Hit calculate to see your results. The results are based on a survey of annual percentage rates provided by lenders within NerdWallet's private loan marketplace. Some of those lenders appear in the results.
Understanding your individual loan calculator results
Monthly payment: This is what you can expect for each monthly installment, depending upon your loan size, loan term and your estimate rate. Monthly payments are lower when you opt for the longer loan duration.
Estimated APR: Those with higher credit scores typically receive lower interest rates, but lenders could also take into account your credit score, in addition to other elements. The majority of personal loans carry fixed rates, meaning your interest rate and payments aren't subject to change during the term that you have the loan. APRs are based on one-time fees to pay for the costs to process your loan.
Here is the estimated score for every credit score range:
How is your credit?
Score range
Estimated APR
Excellent
720-850.
11.3%.
Good
690-719.
15.6%
Fair
630-689.
22.3%.
Bad
300-629.
25.2%.
Source Rates are calculated based on aggregated anonymous offer data from users who pre-qualified in NerdWallet's marketplace for lenders from June 1, 2022, to October. 31 2022. Rates are only estimates and do not apply to all lenders. The lowest credit scores -typically less than a credit score of 500 -- are unlikely to be considered. This table applies only to lenders who have an APR below 36 percent.
Total repaid The total repaid is the amount that you'll be able to pay back with interest, not including the amount you owe at the conclusion period of your loan. A borrower with a great credit score will probably pay less interest than someone with a poor credit score (a score of less than 630). The longer the loan duration, the higher interest you'll pay.
Payoff date: The month that you're required to pay off the loan off when you pay the same monthly installment throughout the duration of the loan. The amortization table shows how much of the loan amount will decrease each month and how your payment will be split between interest and principal.
>> MORE:
The top personal loans
Check out our Best-Of Awards and evaluate the top personal loans and decide on the most suitable one for your project.
Other loan calculators
Calculate your debt-to-income ratio, which is your total monthly payment for debt divided by your income.
Learn what debt consolidating is, and also calculate how much consolidating debt could save you.
Find out about personal loan choices your credit could be able to.
Make use of this calculator to see whether refinancing your personal loan is a good idea for you.
Check out more from NerdWallet's
Frequently asked questions What can I use a personal loan for?
You may do it, such as debt consolidation, home improvement projects or refinancing an existing loan.
What's the best rate of interest on personal loan?
The best private loan rate is the lowest one you qualify for. Borrowers with good or excellent credit (690 or better credit score) can expect the lowest rates. Credit score - Poorer borrowers and higher ratios of debt-to-income typically pay higher APRs.
Where is the best place to obtain a personal loan?
depends on factors including the lender's minimum qualifications in addition to the fees and rates it charges, as well as loan amount, terms and other aspects that are important to you.
How do I get a personal loan fast?
Choose a lender that offers . Many of these lenders are able to fund the loan within the same or next day after approval. To expedite the process, gather documents like W-2sand bank statements, and pay stubs before you apply.
How can I apply for a personal loan with bad credit?
The first step is to compare the loan with the lowest APR and reasonable monthly payments. To increase the chances of qualifying, consider including a co-applicant to the loan application. Secured and co-signed loans typically have lower qualification conditions.
What is my personal loan to purchase?
You could do this, for example, consolidating debt, home improvements projects, or refinancing an existing loan.
What's the best rate of interest for a personal loan?
The most favorable private loan rate is the cheapest one you qualify for. Customers with excellent or excellent credit (690 or higher credit score) will be able to get the best rates. Borrowers with lower credit scores and high debt-to-income ratios often are charged higher APRs.
What is the most convenient place to get a personal loan?
It is contingent upon factors such as the lender's minimum qualifications as well as the rates and fees it charges, and the loan amounts, terms and other factors that matter to you.
How do I get a personal loan fast?
Select a lender that provides . A majority of these lenders will pay a loan within the same or next day following approval. To accelerate the process, you should gather all the necessary documents like W-2s, pay stubs and bank statements before you submit your application.
How can I apply for a personal loan with poor credit?
Before you do that, look for the loan that has a low APR and low monthly payment. To increase your chances of being approved, think about including a co-applicant to the loan applicaiton. Secured and co-signed loans typically have lower qualification criteria.
On a similar note...
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