Updated July 21, 2026
The 5 Best Personal Loans of 2026
Compare rates and terms from top online lenders.
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- Stand-out choice for no fees
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for low apr
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for fair credit
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for thin credit files
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
Marcus by Goldman Sachs
Simple terms from a trusted bank
- Stand-out choice for simplicity
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
Still deciding? Compare at a glance
A quick side-by-side of every personal loan provider we ranked.
| Brand | Score | Price | Best for | |
|---|---|---|---|---|
| #1SoFi | 9.3 | No fees | Visit Site | |
| #2LightStream | 9.2 | Low APR | Visit Site | |
| #3Upgrade | 8.8 | Fair credit | Visit Site | |
| #4Upstart | 8.7 | Thin credit files | Visit Site | |
| #5Marcus by Goldman Sachs | 8.5 | ~No fees for personal loans | Simplicity | Visit Site |
How we rate personal loans
Research
Map the market and shortlist leading brands
Test
Hands-on evaluation across weighted criteria
Score
Standardized 10-point methodology
Update
Re-reviewed as products change
Our editors score every personal loan provider on a standardized 10-point scale across four weighted pillars: features & performance (35%), pricing & value (25%), customer experience & support (25%), and trust & reputation (15%). Scores are reviewed and updated as products change. Read our full methodology.
Frequently asked questions
How did Rated.ly choose the best personal loan provider?
Our editors evaluated each personal loan provider on features, pricing, customer feedback, and overall value, then scored them using our standard 10-point methodology. See our How We Rate page for details.
Which personal loan provider is best overall?
SoFi currently earns our top score of 9.3 thanks to its strength in no fees. The right pick for you depends on your priorities — compare the full list above.
Ready to choose your personal loan provider?
SoFi is our top-rated pick with a score of 9.3/10 — the strongest all-round choice for most people.
Visit SoFiDaniel Kovacs
Editor, Money & Auto
Daniel is a consumer-finance writer who has compared hundreds of financial and automotive services. His mission: cut the jargon and show you the true cost of every option.