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LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Personal Loans
Thinking about a personal loan? You're not alone.
More than 26 million Americans have one.
Reach your goals faster with LendingTree
$1,659
Average savings by comparing offers on our network
1 Day
How fast you may be able to get personal loan funds
+80 Pts
Potential credit boost by consolidating debt
Find your best rate on our network of 45+ lenders
Is a personal loan a good fit?
Usually a good fit if...
- You're dealing with a specific, one-time cost
- You want to consolidate credit card debt
- You know how much you need to borrow
- You need funding quickly
Consider other options if...
- Your expense is ongoing rather than one-time
- You're not sure what the final bill will be
- You could borrow from your home equity at a lower rate
What can you use a personal loan for?
Millions of Americans have personal loans. Here are some common ways people use them.
Carrying multiple debts at once can be a lot to manage. A personal loan can roll them into one predictable payment, often at a lower rate.
Many people use a personal loan to pay off high-interest credit cards. Fixed payments and a set payoff date can make it easier to budget and track your progress.
Life happens, whether you have cash on hand or not. When you can't wait for your savings to catch up, a personal loan can help.
Whether you have a planned renovation or an emergency repair to make, a personal loan can help fill the gaps for your home improvement budget.
Simple. Fast. Secure.
Ready to get started?
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Tell us what you need
Take two minutes to tell us who you are and how much money you need.
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Shop your offers
Compare your offers side by side based on what matters most to you.
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Save money
Choose your best option and access your funds in as little as 24 hours.
No credit impact
How much will it cost?
Your monthly payment
$202.76/mo.
Total Repayment:
$12,165.84
Payment Breakdown
Principal Amount
$10,000.00
Total Interest Paid
$2,165.84
Do you need good credit to get a personal loan?
Not necessarily. Good credit helps, but our network includes lenders who work with a range of credit profiles. In fact, more than 80,000 people without good credit got a personal loan through LendingTree last year.
Don't just take our word for it
Jun 2026
"Thank you for making the loan process so easy and straightforward. Your help and professionalism made a big difference and I'm grateful for the excellent service."
R. Polanco
May 2026
"Fast and convenient process. It took less than five minutes to submit my online form, and my loan was funded within 24 hours."
T. Henry
Apr 2026
"I was in a very stressful situation and now I can breathe!! Thank you for being there when I needed you!!"
N. Williams
Apr 2026
"LendingTree provided me with several loan rates and options. I believe we secured the best possible loan using this platform."
R. King
Dec 2025
"Seamless, easy personal loan. Helped me get out of credit card debt with 1 low monthly payment that'll be paid off in a quarter of the time."
G. Barton