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Personal Loan Rates, Amounts and Fees: 14 US Lenders Compared

Comparisons, Personal Loans Published:

Checked on 2 November 2026: compiled with AI from the official sites listed in the sources, each figure confirmed by two separate searches of the official site or on the page itself, and read by our editor before publication; every month the figures are checked again, automatically. Rules and prices change; the official site always has the last word.

What do personal loans cost at the big US lenders? Below are the APR ranges, loan amounts, longest terms and origination fees of 14 lenders, each read on the lender’s own site on 2 November 2026. Your own rate depends on your credit; the lowest APR goes to the strongest applicants.

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Written with AI from the sources listed at the end.

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A dash means the figure was not confirmed on the official site on the date checked.
Personal Loan Rates, Amounts and Fees (checked 2 November 2026)
LenderLowest APR (%)Highest APR (%)Largest loan ($)Longest term (months)Highest origination fee (%)
SoFi6.9935.49100,00084–
LightStream––100,0002400
Discover–24.9940,000840
Upgrade7.7435.9950,000849.99
Prosper8.9935.9950,000729.99
LendingClub5.9635.9960,000848
Best Egg6.9935.9950,000609.99
Avant9.9535.9935,000609.99
Upstart6.335.9975,00060–
Wells Fargo6.7426.74100,000840
Citi10.2418.4930,000600
PNC6.9925.2935,000600
OneMain Financial11.9935.99–6010
Achieve6.2535.9950,000609.99

How to use this table

  • Compare APRs, not interest rates: the APR includes the origination fee, which some lenders take out of the money you receive.
  • Check your rate with a soft credit check where the lender offers one: it does not affect your credit score.
  • A longer term lowers the monthly payment but raises the total interest you pay.

Before you rely on it

  • The ranges are the lenders’ advertised ones; your offer depends on your credit, income and the loan’s purpose.
  • Rates move with the market: the date each row was checked is in the sources.

Sources