Best Personal Loans of 2021
Last updated: Jul 2021
Compare interest rates, terms, and principal amounts between loans to make the best choice for you!

Top10brands.com selection of The Best Personal Loan Sites

1 Most popular pick
ClearMoneyLoans.com - Makes getting a personal loan easy, get the cash You need.
4.9
2
AmOne - Find a Personal Loan in 4 Easy Steps.
4.9
3
Credible - With Credible borrowers are always in control.
4.8
Show more

Check Out Our Top 10 Personal Loan Sites and Apps 2021


1

ClearMoneyLoans.com

ClearMoneyLoans.com - Makes getting a personal loan easy, get the cash You need.
  • 4.9
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ClearMoneyLoans works with a large network of lenders who provide personal loans up to $35,000.

  • Loan amount: $1,000 - $35,000
  • Loan term: 61 days - 180 months
  • APR: 3.09 - 35.99%
ClearMoneyLoans works with a large network of lenders who provide personal loans up to $35,000.

ClearMoneyLoans.com works with a large network of lenders to provide you with the fast loans you need. You can get started by signing up online from the convenience of any internet-connecting device. The loan registration process has been simplified just for you. If you’re approved, your funds may be available as soon as the next business day.

  • Quick & Easy Process
  • Trusted Source
  • Safe & Secure
  • Representative example: Loan Amount $6,000, Interest rate: 7.99%, 5.00% Origination fee of $300, APR: 11.51%
ClearMoneyLoans.com
  • 4.9

2

AmOne

AmOne - Find a Personal Loan in 4 Easy Steps.
  • 4.9
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Lenders Serve Consumers Across the Credit Spectrum.

  • Loan amount: $100 - $50,000
  • Loan term: 12 - 84 months
  • APR: 3.49 - 35.99%
Lenders Serve Consumers Across the Credit Spectrum.

You don't need to have perfect credit to get a personal loan. So instead of going from lender to lender to find something you qualify for, just let AmOne help you explore all your options at once and find the best offers for you.

  • You don't need to have perfect credit score
  • Get your funds in as little as 1 day from approval
  • All Your options at once
  • Representative example: Loan Amount $20,000, Period: 60 months, Monthly repayment: $399.71, Total amount repayable $23,982.86, APR: 8.68%
AmOne
  • 4.9

3

Credible

Credible - With Credible borrowers are always in control.
  • 4.8
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Compare personalized loan offers from multiple vetted lenders.

  • Loan amount: $600 - $100,000
  • Loan term: 12 - 84 months
  • APR: 4.99 - 35.99%
Compare personalized loan offers from multiple vetted lenders.

Compare personal loan rates from top lenders and see how much you could save with a personal loan. Fast process, low rates, no stress.

  • Best Rate Guarantee
  • Using Credible to check your rates doesn’t affect your credit score
  • Rates from multiple lenders in just 2 minutes
  • Representative example: Loan Amount $10,000, Period: 36 months, Monthly repayment: $313.32, Total amount repayable $11,279.43, APR: 11.51%
Credible
  • 4.8

4

Monevo

Monevo - The Smart Way To Find A Loan.
  • 4.8
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View personalized loan offers for your circumstances in 60 seconds.

  • Loan amount: $500 - $100,000
  • Loan term: 3 - 144 months
  • APR: 2.49 - 35.99%
View personalized loan offers for your circumstances in 60 seconds.

Monevo is a great place to search for a personal loan. You will receive personalized loan offers in a matter of seconds without affecting your credit score.

  • Award winning free service
  • Personalized loan offers
  • 30 top lenders and banks
  • Checking rate won’t affect your credit score
  • Representative example: Loan Amount $10,000, Period: 36 months, Monthly repayment: $299.00, Total amount repayable $10,772.00, APR: 4.89%
Monevo
  • 4.8

5

Personal Loans

Personal Loans - Your path to help get the funding you need.
  • 4.8
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The online form is simple, straightforward and fast.

  • Loan amount: $500 - $35,000
  • Loan term: 3 - 72 months
  • APR: 5.99 - 35.99%
The online form is simple, straightforward and fast.

PersonalLoans.com provides a way for consumers to be connected with a personal loan through their network of lenders and lending partners.

  • Simple and secure online loans
  • You can apply using a “soft credit pull” that doesn’t hurt your credit score
  • The PersonalLoans website is free to use
  • Representative example: Loan Amount $2,000, Period: 12 months, Monthly repayment: $189.12, Total amount repayable $2,269.44, APR: 24%
Personal Loans
  • 4.8

6

Even Financial

Even Financial - Revolutionizing how people search, compare, and get financial services.
  • 4.7
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Get Matched With Personal Loan Offers In Less Than 60 Seconds.

  • Loan amount: $1,000 - $250,000
  • Loan term: 24 - 84 months
  • APR: 2.49 - 35.99%
Get Matched With Personal Loan Offers In Less Than 60 Seconds.

Even is a B2B fintech in New York. Veterans of the finance, adtech, commerce, & software development industries, they’re revolutionizing how people search, compare, and get recommended financial services.

  • Awarded service
  • Highest security and compliance standards
  • Quick matching to the right loan offer
  • Representative example: Loan amount: $5,000, Loan term: 36 months, Total amount payable: $5,808.24, APR 10 %
Even Financial
  • 4.7

7

LoanMadePersonal

LoanMadePersonal - The Funds You want Fast.
  • 4.6
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Solve Your financial emergency quickly filling Easy To Use form.

  • Loan amount: $ 100 - $ 30,000
  • Loan term: 90 days - 72 months
  • APR: 6.99 - 35.99%
Solve Your financial emergency quickly filling Easy To Use form.

Submit your request using LoanMadePersonal and they will search their network to find you a loan provider in real time, no expired offers, no waiting. Their service connects you with lenders to conveniently get your Funds as quickly as possible. Their lender network allows your request to be seen by multiple lenders, which should increase your odds of acceptance.

  • Fast and easy processing
  • Personalized loan offers
  • Your personal data is secured using industry 256-bit SSL encryption technology
  • Representative example: Loan amount $5,000, Period: 36 Months, APR: 6.99%, Monthly repayment: $154.36, Total amount paid: $5,557.05
LoanMadePersonal
  • 4.6

8

Zippyloan

Zippyloan - Personal Loans made simple and fast.
  • 4.6
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Borrow money as soon as tomorrow, all credit types accepted.

  • Loan amount: $100 - $15,000
  • Loan term: 6 - 72 months
  • APR: 12 - 35.99%
Borrow money as soon as tomorrow, all credit types accepted.

Zippyloan manages an expansive network of lenders to provide their users with premium access to personal loans. Request up to $15,000 through one simple online form, 24 hours a day, 7 days a week. Their lenders offer both installment and short-term loans, connecting you with the loan that works for you.

  • One application for many lenders
  • An easy, flexible, and convenient service
  • All credit types accepted
  • Money as soon as Tomorrow
  • Representative example: Loan Amount $2,000, Period: 24 months, Monthly repayment: $94.15, Total amount repayable $2,259.60, APR: 12%
Zippyloan
  • 4.6

9

Vivaloan

Vivaloan - Empowers its users to convert financial dreams into reality.
  • 4.6
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Achieve goals faster with a trusted loan, all credit types accepted.

  • Loan amount: $100 - $15,000
  • Loan term: 12 - 60 months
  • APR: 5.99 - 35.99%
Achieve goals faster with a trusted loan, all credit types accepted.

Vivaloan provides fast and secure access to Personal Loans designed to suit your financial needs and lifestyle. Common uses for personal loans are completing a large purchase, renovation or repair, consolidating debt, or to simply cover unexpected expenses, both large and small.

  • Get connected with a lender in 5 minutes or less
  • Best loan deals based on your individual financial circumstances
  • Representative example: Loan Amount $2,000, Period: 12 months, Monthly repayment: $189.12, Total amount repayable $2,269.44, APR: 24%
Vivaloan
  • 4.6

10

cashUSA

cashUSA - Can help you secure a loan of up to $10,000.
  • 4.6
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Receive funds to Your account as soon as the next business day.

  • Loan amount: $500 - $10,000
  • Loan term: 3 - 72 months
  • APR: 5.99 - 35.99%
Receive funds to Your account as soon as the next business day.

CashUSA.com is one of America’s most trusted resources for cash loans. Whether you need to consolidate debt, remodel your home, or take a vacation, a personal loan may be a viable option.

  • One application for many lenders
  • Fast loan request processing
  • You may receive offers for debt relief, credit repair or similar services
  • Representative example: Loan Amount $1,500, Period: 24 months, Monthly repayment: $67.77, Total amount repayable $1,626.54, APR: 7.9%
cashUSA
  • 4.6

11

SpeedyNetLoan

SpeedyNetLoan - Premium and trusted online service provider.
  • 4.5
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Easy online form, speedy requests and the money is Yours.

  • Loan amount: $100 - $5,000
  • Loan term: 6 - 60 months
  • APR: 5.99 - 35.99%
Easy online form, speedy requests and the money is Yours.

SpeedyNetLoan.com connects consumers with prospective lenders participating in its direct network of personal loan lenders.

  • Fast, real-time loan requests
  • Funds directly deposited
  • All credit types welcome
  • OLA Compliant
  • Representative example: Loan Amount $2,000, Period: 12 months, Monthly repayment: $189.12, Total amount repayable $2,269.44, APR: 24%
SpeedyNetLoan
  • 4.5

12

SimpleLoans123

SimpleLoans123 - A Better Personal Money Solution To Get Funds.
  • 4.5
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Connect with a Lender Who Understands Your Financial Needs

  • Loan amount: $500 - $35,000
  • Loan term: 2 - 72 months
  • APR: 4.99 - 35.99%
Connect with a Lender Who Understands Your Financial Needs

A Better Personal Money Solution To Get Funds, Fast, Anywhere! SimpleLoans123 services will always be provided free of charge. SimpleLoans123 realizes that financial problems come unexpected and always at a bad time. They believe that lending should be made easy, fast and not only rely on the individual's past history

  • Quick and secure online form
  • All Credit Types Accepted
  • Funds are deposited directly into your bank account
  • Representative example: Loan Amount $10,000, Period: 36 months, Monthly repayment: $313.32, Total amount repayable $11,279.43, APR: 11.51%
SimpleLoans123
  • 4.5

13

RedArrowLoans

RedArrowLoans - Get Funds Fast and Anywhere.
  • 4.5
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Fill out Online Form, follow the short process and get needed funds next business day.

  • Loan amount: $500 - $35,000
  • Loan term: 2 - 72 months
  • APR: 4.99 - 35.99%
Fill out Online Form, follow the short process and get needed funds next business day.

With RedArrowLoans, you can receive funding up to $35,000. They have extensive partnerships with large authorized lenders. This allows to cover almost all 50 states. If approved, the Loan may be received in as soon as the next business day from the privacy of your own home.

  • Quick, secure, and hassle free online form
  • All Credit Types Accepted
  • Money in your bank account as soon as the next business day
  • Representative example: Loan Amount $10,000, Period: 36 months, Monthly repayment: $313.32, Total amount repayable $11,279.43, APR: 11.51%
RedArrowLoans
  • 4.5


Which Is Best For Your Need?

ClearMoneyLoans.com - Makes getting a personal loan easy, get the cash You need.
AmOne - Find a Personal Loan in 4 Easy Steps.
Credible - With Credible borrowers are always in control.
Monevo - The Smart Way To Find A Loan.
Personal Loans - Your path to help get the funding you need.
Even Financial - Revolutionizing how people search, compare, and get financial services.
LoanMadePersonal - The Funds You want Fast.
Zippyloan - Personal Loans made simple and fast.
Vivaloan - Empowers its users to convert financial dreams into reality.
cashUSA - Can help you secure a loan of up to $10,000.
SpeedyNetLoan - Premium and trusted online service provider.
SimpleLoans123 - A Better Personal Money Solution To Get Funds.
RedArrowLoans - Get Funds Fast and Anywhere.

Useful information

  • www.consumerfinance.gov
    The website of the Consumer Financial Protection Bureau contains information about financial products and educational articles about personal finance making it an excellent resource for potential borrowers.
  • www.consumer.ftc.gov
    The Federal Trade Commission’s Consumer Protection website provides a section with information on dealing with debt problems, debt counseling, debt collection, and other topics related to debt. You can also find helpful information and tips about financial planning.
  • www.ftc.gov
    The FTC’s website also has a section where you can find information on consumer rights and protections, legislation that deals with consumer protection, in addition to providing the ability to file a complaint, if necessary.
  • www.nclc.org
    The National Consumer Law Center is a nonprofit organization that advocates for consumer rights and protections. Its website provides valuable information about consumer protection legislation across multiple industries including lending and credit.

Before taking out a loan, ask yourself:

  • Whether you have the ability to pay the amount you plan to borrow back
  • If the planned purchase can wait until you can afford it without borrowing
  • If the purchase is urgent, is there an alternative way to fund it, for example, by asking your employer, family members, or friends
  • If the purchase is not urgent, can you do without it

You should never take out a loan if

  • Intend to use it to pay off other loans or debts
  • You have other outstanding loans or debt obligations and/or have missed mortgage, rent, utility, or other monthly payments
  • If you are unsure of your capability to make the repayments on time
If you still need to take out a loan
  • Examine your income and expenses to make sure you can pay your other bills in addition to making the loan repayments
  • Determine how much you can afford to repay every month
  • If you will not be able to make your other payments in addition to the loan payments, you can’t afford the loan
Requirements to qualify for a loan
  • You must be at least 18 years old. Each lender determines its own age requirements. Most provide loans to borrowers that are 18 or older.
  • You must legally work and reside in the United States
  • You must have a working telephone number and email address
  • You must have a bank account in your name
  • You must provide proof of citizenship, such as a Social Security number, or legal residency
  • You must have a regular and stable income, either from full-time employment, self-employment, or disability or Social Security benefits
Annual Percentage Rate (APR)

The Annual Percentage Rate represents the annual cost (in %) of borrowing. The APR takes factors such as the interest rate and other fees and charges into account. In order to make it easier for you to compare one loan to other similar loans, lenders are required to tell you the APR before you sign an agreement.

Example:

  • Lender A offers $1,000 for 12 months with an APR of 27.3%
  • Lender B offers $1,000 for 12 months with an APR of 34.9%

In this scenario above, borrowing from Lender A would be a better idea, because you would get the same amount of money for the same term, but you would pay less in interest.

Representative example

Here we present representative examples of loan terms offered by several lenders so that you can predict the expected amount of payments.

Here are some of them:

  • Loan Amount: $4,000, Period: 24 months, Monthly repayment: $193.95, Total amount repayable $4,654.72, APR: 15%
  • Loan Amount: $1,500, Period: 24 months, Monthly repayment: $67.77, Total amount repayable $1,626.54, APR: 7.9%
  • Loan Amount: $2,000, Period: 24 months, Monthly repayment: $94.15, Total amount repayable $2,259.60, APR: 12%

NB! The actual principal amount, term, and APR amount of the loan may vary depending on your credit history and state law. 

Borrowing costs and fees 
  • Late Payment fees - if you miss a payment you usually have to pay a late payment fee, so make sure you never miss a payment to avoid extra charges. Also note that this can also affect your credit score, which can make it harder to borrow money in the future.
  • Non-Payment fees - Additional fees or charges may apply if you fail to repay your loan. Note that lenders can use any legally available method to collect your debt if you don't repay your loan. It is possible that lenders may use collection agencies to collect your debt. This can result in additional fees and affect your credit score.
  • Loan Renewal - Loan renewal policies, as well as rates and fees of such, are regulated differently by each state. Before borrowing, find out your state’s policies regarding loan renewal and make sure that you read all the terms and conditions in your loan agreement.
How to choose the term of the loan

We advise you to choose the shortest term you can afford. Longer-term loans might seem appealing at first sight as they have lower monthly payments; however, it may turn out that the total interest you pay may end up being significantly higher. If you can afford to, it is better to take out a loan for a shorter period of time and pay back a higher amount each month.

If you're not able to pay on time

If you realize that you will not be able to repay the loan on time, many credit companies offer extensions at an additional cost, which varies from company to company. In the event that you are not able to repay a loan on time, please contact your lender immediately to discuss your options.

Availability

Every state has its own set of rules and regulations governing personal loans. Your loan amount, APR, and repayment term will vary based on your creditworthiness, state, and lender or lending partner. Residents of some states may not qualify for a bad credit loan as a result of certain lender requirements. This website does not guarantee that completing a loan request form will result in you being offered a loan product by a lender, or you being offered a product with your desired rates or terms. The actual amount of loan that a customer qualifies for may vary based on the borrower’s credit history and state law. Minimum loan amounts vary by state.