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6 Lowest Rate Personal Loans of January 2025

The lowest personal loan rates range from 5.99% to 36%.
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Generally, borrowers with higher credit scores receive the lowest rate personal loans. But we’ve researched the most favorable personal loan interest rates for all credit types. These lenders will check your rate without any impact to your FICO score.

Lowest Rate Personal Loans for October 2024

Minimum credit score 680

  • Loan amounts from $5,000 to $100,000
  • Earn a $300 bonus after your loan funds.
  • Rates range between 8.99% APR to 29.49% APR
  • Repayment terms up to 7 years
  • Funding within one business day of approval.
  • Pay off your loan balance early without ANY pre-payment penalties
  • 0.25% discount for setting up autopay.
  • Origination fee of 0-7% of your loan amount
Check Your Rate

Minimum credit score 730

  • Loan amounts from $7,000 to $50,000
  • Rates range between 11.79% to 20.84%% APR
  • Repayment terms up to 6 years
  • Get funded as early as the same day you accept the terms
  • No pre-payment penalties
  • Origination fee of 1-2% of your loan amount
Check Your Rate

Minimum credit score 300

  • Loan amounts from $1,000 to $50,000
  • Rates range between 7.4% to 35.99% APR
  • Repayment terms up to 5 years
  • Funding within one business day of approval.
  • Pay off your loan balance early without ANY pre-payment penalties
  • Origination fee of 0-12% of your loan amount
Check Your Rate

Minimum credit score 620

  • Loan amounts from $1,000 to $50,000
  • Rates range between 9.99% – 35.99% APR
  • Repayment terms up to 7 years
  • Prequalify with soft credit check
  • Funding in as little as one day after accepting loan terms
  • 5% one-time origination fee
Check Your Rate

Minimum credit score 500

  • Loan amounts up to $10,000
  • Rates range between 5.99% to 35.99% APR
  • Repayment terms up to 6 years
  • Funding in as little as two to five days
  • Origination fee: varies
Check Your Rate

Minimum credit score 580

  • Loan amounts from $1,000 to $50,000
  • Rates range between 11.69-35.99% APR
  • Repayment terms up to 5 years
  • Funding as soon as next business day of accepting loan terms
  • Origination fee of 5.25% to 9.99% of your loan amount
Check Your Rate

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