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Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top performer in the mortgage industry and his entrepreneurial success to simplify complex financial topics. Jordan aims to make mortgages and loans understandable.
Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top performer in the mortgage industry and his entrepreneurial success to simplify complex financial topics. Jordan aims to make mortgages and loans understandable.
Lead Editor, Mortgages & Loans
Mike CeteraEditor in Chief, Forbes Marketplace U.S.
Mike Cetera is the editor in chief for Forbes Marketplace U.S. Mike has written and edited articles about mortgages, savings accounts, CD rates and credit cards for more than a decade. Prior to joining Marketplace, his work appeared on Bankrate, The Points Guy and Fit Small Business. Mike earned a master’s degree in public affairs reporting from the University of Illinois and has been a journalist for more than two decades. He also has offered his expertise in numerous TV, radio and print interviews.
Mike CeteraEditor in Chief, Forbes Marketplace U.S.
Mike Cetera is the editor in chief for Forbes Marketplace U.S. Mike has written and edited articles about mortgages, savings accounts, CD rates and credit cards for more than a decade. Prior to joining Marketplace, his work appeared on Bankrate, The Points Guy and Fit Small Business. Mike earned a master’s degree in public affairs reporting from the University of Illinois and has been a journalist for more than two decades. He also has offered his expertise in numerous TV, radio and print interviews.
Editor in Chief, Forbes Marketplace U.S.
Reviewed
Updated: Jun 28, 2024, 1:21pm
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Personal loans are convenient, as you can use them for a variety of expenses, including medical bills, weddings, home improvements, vacations and unexpected emergencies. Personal loan rates currently range between 4% and 36% depending on several factors. Rates typically fluctuate from one provider to the next, and the lowest rates are reserved for those with higher credit scores.
You can apply for a low-interest personal loan through a traditional bank, online lender or credit union, all of which usually offer an online application. Once you apply, and if you’re approved, you can expect to see the funds hit your account within a few business days. The loan that offers both the lowest personal loan rate and terms that fit your financial situation is typically the best one for you.
Why you can trust Forbes Advisor: Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the loans methodology for the ratings below.
The above personal loan rates and details are accurate as of June 28, 2024. While we update this information regularly, the annual percentage rates (APRs) and loan details may have changed since the page was last updated. Keep in mind, some lenders make specific rates and terms available only for certain loan purposes. Be sure to confirm available APR ranges and loan details, based on your desired loan purpose, with your lender before applying.
Best Low-Interest Personal Loans of July 2024
BEST OVERALL LOW-INTEREST PERSONAL LOAN
LightStream
4.0
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
LightStream offers loans with both a low minimum and maximum interest rate, along with a rate-beat program. LightStream’s unsecured personal loans range from $5,000 to $100,000 with loan amounts varying based on the loan purpose. In addition to offering appealing and flexible terms, LightStream charges no origination, late payment or prepayment fees. The lender also offers a 0.50% rate discount for borrowers who enroll in autopay.
Pros & Cons
Long loan terms available
Low interest rates
Fast approval and funding
No prequalification option
High minimum loan amount
Low average customer rating on Trustpilot
Details
Eligibility:
Minimum credit score. 660
Minimum income. Does not disclose
Co-borrowers. Permitted
Expert’s Take
Lightstream, a division of Trust Bank, is known for its range of loan options and competitive rates. The downside can be its strict eligibility criteria, making it difficult for those with less-than-stellar credit history to gain approval.
— Jonathan Feniak, general counsel and head of finance, LLC Attorney
BEST FOR LARGE LOAN LIMITS
SoFi®
4.0
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
SoFi is an online lending platform that offers unsecured fixed-rate personal loans in every state. Founded in 2011, SoFi has extended over $50 billion in loans and stands out for allowing high loan amounts and its availability of extended loan terms.
Loans are available from $5,000 to $100,000, making SoFi a great option for those with excellent credit who need to borrow a large amount of money. Loan amounts available may vary by the state you live in. Repayment terms range from two to seven years, making SoFi an incredibly flexible option for those with sufficient credit (minimum 650) and annual income (at least $45,000). SoFi also lets prospective borrowers submit joint applications—although co-signers are not permitted.
Approved borrowers are rewarded with comparatively low APRs. What’s more, SoFi doesn’t charge origination fees, late fees or prepayment penalties—a stand-out feature because personal loan lenders often charge origination or late payment fees at a minimum.
However, if you’re considering a debt consolidating loan from SoFi, keep in mind that the lender does not offer direct payment to a borrower’s other creditors. This means the loan proceeds will be deposited to your bank account and you’ll have to pay off your other lenders individually. The platform does offer customers a number of other perks and discounts.
Pros & Cons
Prequalification without a hard inquiry
Same-day approval possible
Can pay off third-party creditors directly
High credit score requirement
Co-signers not permitted
Details
Eligibility:
Minimum credit score required. 650
Minimum annual income. $45,000
Co-borrowers. Permitted
Co-signers. Not permitted
Expert’s Take
What I find impressive about SoFi is its innovative approach to lending, with a focus on providing borrowers with personalized loan options tailored to their unique financial situations.
As a small business owner, I benefited from SoFi’s competitive rates and borrower-friendly terms, which include no origination fees or prepayment penalties. Also, SoFi’s member benefits, such as career coaching and financial planning resources, add value beyond just the loan itself, making it an attractive choice for entrepreneurs looking to grow their businesses while managing their finances responsibly.
— Michael Ashley, finance expert, Richiest.com
BEST FOR SMALL LOANS
PenFed
3.0
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Although PenFed was originally created to serve U.S. military members and veterans, in addition to federal employees and retirees, it has expanded its membership to non-military members. PenFed has several federal partners, including the American Society of Military Comptrollers, Coast Guard Auxiliary Association, Navy League of the United States and United States Army Warrant Officers Association.
PenFed offers fixed-rate, low-interest loans that start $600 to $50,000. If you’re looking for a mix of low interest rates and high loan limits, PenFed may not be the choice for you; look toward LightStream for higher limits.
PenFed personal loans carry rates from 8.99% to 17.99%, based on your application and credit information. Applicants with higher credit scores can typically snag the lowest rates. What’s more, PenFed also boasts no title or deed requirements, no early payoff penalty and no origination or hidden fees. Although PenFed is located on the East Coast, borrowers will have around-the-clock access to their accounts through the PenFed mobile app.
Anyone can apply for a loan through PenFed; however, if you’re approved and choose to move forward with your loan, you’ll need to become a member of the credit union. Becoming a member is easy, and it typically only takes a few minutes. While the membership is free, you’ll need to make a deposit of at least $5 into a new PenFed savings account.
Pros & Cons
No origination or prepayment fees
Prequalification with a soft credit check
Allows for co-borrowers
Doesn’t operate branches in all states
Requires membership
Charges late payment fee of $29
Details
Eligibility:
Minimum credit score. Does not disclose
Minimum income. Does not disclose
Co-borrowers. Permitted
Expert’s Take
PenFed is best for those who have been a member of the credit union for a while. Anyone can join the credit union and membership actually seems to factor into loan availability. Loan rates are often lower with PenFed than with many direct lenders. This is an excellent option for those with high credit scores.
— Herman Thompson, Jr., advisory board member
BEST FOR EXISTING U.S. BANK CUSTOMERS
U.S. Bank
3.2
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
U.S. Bank is one of the largest banks in the country. In addition to banking, wealth management and business services, it also offers several lending products, including auto refinancing. Repayment terms range from 12 to 72 months.
Keep in mind that while you might get approved for refinancing through U.S. Bank with a credit score as low as Does not disclose, you’ll need a score of at least 800 to qualify for the lowest available interest rates. However, you could get a 0.50% rate discount if you have a U.S. Bank checking or savings account and sign up for automatic payments.
Pros & Cons
Operates physical branches
0.50% autopay discount
Quick funding
Need a credit score of at least 800 to qualify for the lowest advertised rates
Smaller loan amounts available to non-U.S. Bank checking customers
Branch locations in only 26 states
Details
Eligibility
Minimum credit score. Does not disclose
Minimum income. Does not disclose
Co-signers. Permitted
Co-borrowers. Permitted
Expert’s Take
U.S. Bank’s loans are a reliable option for small business owners seeking financing solutions. What makes U.S Bank special is its flexible loan terms and competitive interest rates, making it a favorable choice for entrepreneurs looking to fund their business ventures. Also, U.S. Bank’s simple application process and responsive customer service make it a very convenient option for small business owners to access the funds they need promptly.
— Michael Ashley, finance expert, Richiest.com
BEST FOR CURRENT WELLS FARGO ACCOUNT HOLDERS
Wells Fargo
3.5
Our ratings take into account loan cost, loan details, eligibility and accessibility, customer experience and application process. All ratings are determined solely by our editorial team.
Wells Fargo offers fixed-rate personal loans with limits between $3,000 to $100,000 and repayment terms from 12 to 84 months. While longer term lengths, such as 84 months, will decrease your fixed monthly payment, you will pay more interest over the life of your loan compared to a loan with terms of, let’s say, 12 months.
Wells Fargo personal loans boast interest rates from 7.49% to 23.24% for customers who qualify for the 0.25% relationship discount. To qualify, you need to have a Wells Fargo checking account and make automatic payments from a Wells Fargo deposit account.
Although Wells Fargo is available to anyone in the United States, only current Wells Fargo customers will be able to apply online. New customers will need to visit a branch location. Wells Fargo does not have branch locations in Indiana, Kentucky, Louisiana, Ohio, Oklahoma, Maine, Massachusetts, Michigan, Missouri, New Hampshire, Vermont or West Virginia.
Pros & Cons
Receive funds the next business day, if approved
0.25% discount when you enroll in autopay
No origination fees or prepayment penalty
Must have a Wells Fargo checking account to receive 0.25% discount
New Wells Fargo customers will need to visit a branch to apply
No option to prequalify
Details
Overview: Wells Fargo offers fixed-rate personal loans with limits between $3,000 to $100,000 and repayment terms from 12 to 84 months. Although Wells Fargo is available to anyone in the United States, only current Wells Fargo customers will be able to apply online.
New customers will need to visit a branch location. Wells Fargo does not have branch locations in Indiana, Kentucky, Louisiana, Ohio, Oklahoma, Maine, Massachusetts, Michigan, Missouri, New Hampshire, Vermont or West Virginia.
Eligibility:
Doesn’t disclose minimum credit requirement
Doesn’t disclose minimum income requirement
Doesn’t allow co-signers or co-borrowers
Loan uses:
Debt consolidation
Home improvement
Medical bills
Methodology
We reviewed 18 popular lenders based on 14 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We chose the six best lenders based on the weighting assigned to each category:
Loan cost: 35%
Loan details: 20%
Eligibility and accessibility: 20%
Customer experience: 15%
Application process: 10%
Within each category, we also considered several characteristics, including loan amounts, repayment terms, APR ranges and applicable fees. We also looked at minimum credit score requirements, whether each lender accepts co-signers or joint applications and the geographic availability of the lender. Finally, we evaluated each provider’s customer support tools, borrower perks and features that simplify the borrowing process—like prequalification and mobile apps.
Where appropriate, we awarded partial points depending on how well a lender met each criterion.
Consider these tips when comparing low-interest personal loans:
Look for autopay discounts. Not all providers offer interest rate discounts when you set up automatic payments, but most top providers do. When looking at different low-interest personal loans, take into consideration which ones offer an additional rate discount to help you receive the lowest rate possible.
If possible, prequalify with a provider. Several providers offer the opportunity to prequalify you for a personal loan. This means you can submit details like your income, desired loan use, housing situation and other information to learn about potential loan limits, rates and repayment options. Prequalifying also only requires a soft credit check, which doesn’t hurt your credit score, so you can safely find the best rates.
Check for additional fees. Some personal loan providers charge no origination fees, late payment fees or prepayment penalties. However, there are some that may charge all or a few of these fees. When comparing low-interest personal loans, be sure to look at the fee structure beyond the potential interest rate you can receive.
Evaluate the lender’s customer support options. If you’ve found a lender, there’s one more thing to consider before signing the loan agreement. While customer support may not seem like a big deal, it can make a huge difference if you encounter issues with payments or face a financial hardship during your repayment period. Review the lender’s customer service resources and read reviews to make sure it’s a good fit.
The average personal loan interest rate was hovering around 11% in Q2 2023. While securing any interest rate below this average can be considered a low rate for a personal loan, some lenders advertise APRs as low as 6.99% for the highly qualified applicants.
Average Personal Loan Interest Rates
Having good credit saves you money. If you have poor credit, you’ll pay more than twice as much in interest as someone with an excellent credit score.
Vantage V4 credit score
Average interest rate
Deep subprime (300-499)
15.30%
Subprime (500-600)
15.91%
Near prime (601-660)
15.56%
Prime (661-780)
10.93%
Super prime (781-850)
6.59%
Factors That Affect Your Personal Loan Rate
Lenders calculate personal loan interest rates based on a number of variables ranging from the borrower’s creditworthiness and income to the size of the loan and repayment term. Factors that can impact personal loan interest rates include:
Credit score. Borrowers with higher credit scores—ideally at least 720—are more likely to qualify for the lowest interest rates than applicants with low scores.
Debt-to-income ratio. A borrower’s debt-to-income (DTI) ratio is the percentage of their income that goes toward their monthly debt obligations. The higher a borrower’s DTI, the riskier they are to the lender, and the higher the interest rate the lender will likely offer. Lenders prefer a DTI of 36% or less.
Employment. Applicants who are employed in a salaried role generally qualify for lower interest rates than those who freelance, have a new small business or are otherwise self-employed. This is because lenders consider traditional employment more stable from an income and repayment standpoint.
Income. Lenders also evaluate the sufficiency of an applicant’s income. Minimum income requirements are generally low—around $20,000 annually—but the lowest rates are reserved for those with higher incomes.
Loan amount. The size of a loan can impact interest rates because the larger it is, the more risk to the lender. For that reason, high-principal loans often come with higher interest rates than smaller loans.
Loan term. The length of a personal loan repayment period also may impact the interest rate. Generally speaking, the longer the loan term, the higher the interest rate. Borrowers also encounter greater costs with long-term loans because they pay interest over a longer period of time.
Benchmark rates. Underlying benchmark rates like the Secured Overnight Financing Rate (SOFR) and its predecessor, the London Interbank Offered Rate (Libor), dictate the interest rates available to lenders. The SOFR is based on the interest rates paid among large financial institutions for overnight loans—essentially the costs of short-term borrowing.
The Importance of Low-interest Personal Loans
While personal loans are a handy way to access financing, they can be costly. In addition to repaying your loan amount, you’ll also owe interest every month—higher interest rates result in more expensive loans. This means low-interest personal loans can help reduce the total cost of your loan.
For example, let’s compare three interest rates on a 36-month, $10,000 loan to understand how rates impact the cost of a loan, according to the Forbes Advisor personal loan calculator.
Low-interest loans aren’t right for everyone, but if you need them, they can really help you out. Here are some advantages and disadvantages to consider as you make a decision.
Pros of Low-interest Personal Loans
Offers access to more affordable debt
Fewer interest charges over the life of your loan
Quick funding within a matter of a few business days
Can help you build credit if you make all your payments on time
Cons of Low-interest Personal Loans
Reduces flexibility in your monthly budget
You could be sued if you default
Causes a small temporary dip in credit score when you apply
Diverts money that you could use elsewhere, like building an emergency fund
Where To Get Low-Interest Personal Loans
You can find low-interest personal loans from many different lenders, so shop around before you apply for a loan.
Typically, credit unions and online lenders offer the lowest personal loan interest rates. Getting pre-approval from various lenders can allow you to see which rates you qualify for without impacting your credit score.
You can then compare your offers and submit an application where you are offered the lowest interest rates on a personal loan.
How To Qualify for a Low-Interest Personal Loan
The best rates on personal loans go to applicants who can demonstrate they’ll be able to easily repay a loan. Here’s how you can boost your odds of getting the lowest possible rate on a loan:
Build your credit. The lowest-rate personal loans go to applicants with excellent credit scores, often 800 or higher. Building your credit history can take time, but it can pay off with lower interest rates.
Pay off high-interest debt. Lenders often charge higher rates for applicants with higher debt-to-income ratios, which shows how much of your income goes to debt payments each month. If you pay off some of your debt—especially credit card debt—you can lower this number and increase your odds of getting a lower rate.
Increase your income. You can also lower your debt-to-income ratio by increasing your income, which shows lenders you can fit debt payments into your budget.
Use collateral. Collateral, or something of value your lender can repossess if you default on the loan, can help you qualify for a lower rate on your loan if you’re applying for a secured loan.
Find a creditworthy cosigner. A quick way to become a more attractive borrower is to ask someone with good credit to co-sign your loan. Keep in mind, if you fail to repay the loan, your co-signer will be expected to repay the debt.
Shop around. Each lender offers different rates. The more lenders you check your rate with, the better your odds of finding the lowest-cost loan.
Choose a shorter term length. Shorter-term loans come with higher monthly payments, but lower overall loan costs. Shorter-term loans are less risky for the lender, so they often come with lower interest rates.
1. Check your credit score.Check your credit score for free through your credit card issuer or another website that offers free scores. This will give you an understanding of your creditworthiness and your qualification chances. While you can qualify for a low-interest personal loan with a credit score as low as 650, you won’t receive the lowest possible rates; a score of at least 720 will yield the most favorable terms.
2. If necessary, take steps to improve your credit score. If your score falls below 650 or you want to boost your score to receive the best terms possible, take time to improve your score before applying, such as lowering your credit usage or paying off unpaid debts.
3. Determine how much you need to borrow. Once you check your credit score, calculate how much money you want to borrow. Remember, though, you’ll receive your money as a lump sum, and you’ll have to pay interest on the entire amount—so only borrow what you need.
4. Shop around for the best terms and interest rates. Many lenders will let you prequalify prior to submitting your application, which lets you see the terms you would receive with just a soft credit inquiry. Prequalifying lets you shop around for the best rates without hurting your credit score.
5. Submit a formal application and await a lending decision. After you find a lender that offers you the best terms for your situation, submit your application online or in person. Depending on the lender, this process can take a few hours to a few days.
How to Get Low-interest Personal Loans With Bad Credit
The best low-interest personal loans require a minimum credit score of 650. However, a bad credit score, according to FICO, is between 350 and 579. Applicants with bad credit scores shouldn’t expect to qualify for low-interest personal loans, or even the lowest rates on bad credit loans. The best rates, regardless of the type of loan, are reserved for highly qualified applicants.
If you have bad credit but want to get a low-interest personal loan, take time to improve your credit score before applying. This extra step can lower the cost of your loan and make your repayment easier to handle.
If you need to borrow money to consolidate debt or make other purchases, a low-interest personal loan is one of the best tools for the job. However, if it doesn’t seem right for your situation, consider other alternatives.
1. 0% APR Credit Card
Some credit cards have special 0% annual percentage rate (APR) introductory offers for up to nearly two years. If you pay off your balance before the introductory period ends, it’s essentially a free loan. However, any unpaid balances once the introductory period closes will be charged with the normal interest rate.
2. Home Equity Loan or Line of Credit
If you’re a homeowner, one option might be a home equity loan or line of credit. If you have substantial equity in your home, these allow you to borrow against that equity at a relatively low interest rate. However, if you default on the loan, you risk losing your home because it serves as the collateral that backs the transaction.
3. Friends and Family
If you’re not able to take out any debt at all and you absolutely need some cash to tide you over, consider turning to your social system for support. Reach out to family and friends and ask to borrow some cash. You can even offer to write and sign a loan agreement to show you’re serious about paying it back in a timely manner.
4. Cash-Out Refinance
A cash-out refinance involves replacing your existing mortgage with a new, larger mortgage. You then pocket the difference between the two mortgages, and you can use that money for any expense.
This can be a good option if you can qualify for lower interest rates on the cash-out refinance and have sufficient equity in your home. Keep in mind, even if interest rates are lower, you’ll pay closing costs of 2% to 6% of the total amount.
Frequently Asked Questions (FAQs)
What is a good interest rate on a personal loan?
Personal loan interest rates vary depending on your lender and credit score. If you have a high credit score, you could see interest rates as low as 2.49%, depending on where you get your loan. However, if you have poor credit scores, you may only qualify for loans that charge interest rates of 20% or more. Before you apply, improve your credit as much as possible to increase your odds of landing the best interest rate possible.
Which bank has the lowest interest rate on a personal loan?
If you have a strong credit score, you can receive the lowest interest rate through LightStream. LightStream has rates as low as 2.49% if you enroll in autopay. Other lenders, like SoFi, PenFed, Wells Fargo, Marcus and U.S. Bank, offer rates as low as 5.99%. Although not as low as LightStream, rates that low still beat out other methods of financing, including credit cards.
How can I get a low-interest personal loan?
Before applying for a low-interest personal loan, check your credit score. If your score is low, look to improve it first. Some lenders let you prequalify with a soft credit check, which lets you see what type of loan terms you could receive with your current score. Once you find a loan that offers favorable terms for your financing needs, apply with the provider. If you qualify, be sure to set up autopay to earn potential discounts and avoid any late payment fees.
How can you get a low-interest personal loan with great credit but no job?
Unfortunately, loan qualification is not solely based on your credit. Most lenders require you to provide proof of your income with past tax returns, bank statements and pay stubs. Your income demonstrates your ability to repay your loan and helps determine the amount of money you qualify to borrow.
If you don’t have a job but have other income sources, you might be able to use those to qualify for the loan. Lenders might accept income from the following sources:
• Interest and dividends
• Social Security
• Long-term disability
• Alimony or child support
• Trust fund
• Rental property
• Retirement or pension
While some lenders will let you take out a loan with no income or allow you to use nonemployment income to qualify, it’s still not a good idea to take one out if you can’t afford to repay it.
How do you consolidate credit card debt with a low-interest personal loan?
If you have debt on multiple credit cards, you can apply for a debt consolidation loan to help lower your interest rate, streamline payments and improve loan terms. Many debt consolidation lenders pay off your other debts directly—or you’ll take the cash and pay off your outstanding balances. After your pre-existing debts are repaid with the new loan funds, you’ll make a single payment on the new loan each month.
Information provided on Forbes Advisor 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, nor do we recommend or advise individuals or 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.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top performer in the mortgage industry and his entrepreneurial success to simplify complex financial topics. Jordan aims to make mortgages and loans understandable.
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