Capital One Personal Loan Alternatives

Capital One doesn’t offer personal loans, but borrowers can find loans at other banks, online lenders or credit unions.

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Updated Apr 17, 2026

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Capital One doesn’t offer unsecured personal loans, but you can consider other lenders, including banks, credit unions and online lenders.

» MORE: Where to get a personal loan

Personal loan alternatives to Capital One

Banks

Citibank, TD Bank and Wells Fargo are all banks that offer personal loans. To qualify at most banks, you must be an existing bank customer and meet minimum credit and income requirements.

Snapshot of a typical bank-issued personal loan:

Credit scores accepted: Good to excellent (mid-600s and higher).
APR range: Average 11.65% at commercial banks for a two-year loan.
Loan amounts: $1,000 to $100,000.

» MORE: Top banks offering personal loans

Online lenders

Online lenders let you complete the entire application process online, and some provide same-day funding. Many lenders offer personal loans to borrowers across the credit spectrum, and you can pre-qualify to see estimated loan rates with a soft credit check.

It pays to compare rates from multiple online lenders because companies use different formulas to set their rates. Here's a snapshot of a typical online personal loan:

Credit score accepted: Bad (mid-500s or lower) to excellent (mid-700s and higher).
APR range: 7% to 36%.
Loan amounts: $1,000 to $100,000.

» MORE: Top picks for online loans

Compare personal loans

Here are three online lenders to consider as alternatives to Capital One. NerdWallet recommends pre-qualifying to compare loan amounts, terms and monthly payments.


NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.	NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.	NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
See my rates	See my rates	See my rates
Est. APR 6.70-35.99%	Est. APR 6.49-24.89% Rates quoted are with AutoPay.	Est. APR 7.74-35.49% With autopay. Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 03/24/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions. Fixed rates from 7.74% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% SoFi Plus interest rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 03/24/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.
Loan term 3 to 5 years Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).	Loan term 2 to 7 years Loan example: A four-year, $20,000 loan with a 13.9% APR would cost $546 in monthly payments. You’d pay $6,208 in total interest on that loan.	Loan term 2 to 7 years
Loan amount $1,000-$75,000 Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).	Loan amount $5,000-$100,000 Loan example: A four-year, $20,000 loan with a 13.9% APR would cost $546 in monthly payments. You’d pay $6,208 in total interest on that loan.	Loan amount $5,000-$100,000
Min. credit score None	Min. credit score 660	Min. credit score None

Credit unions

Local credit unions typically don’t require good credit to qualify and offer lower rates and more flexible terms than traditional banks or online lenders. However, you must be a member before applying for a loan. NerdWallet recommends considering a local credit union as a good first choice for a personal loan.

Snapshot of a typical credit union personal loan:

Credit score accepted: Bad to excellent.
APR range: Average 10.64% at federal credit unions for a three-year loan.
Loan amounts: $250 to $50,000.

» MORE: Top credit unions for personal loans

Other types of Capital One loans

Capital One offers other types of loans, including auto loans and credit cards.

Explore more on

NerdWallet’s Picks for the Best Personal Loans Personal Loan Calculators Personal Loan Reviews Personal Loans

About the authors

Amrita Jayakumar

Amrita Jayakumar is a former staff writer at NerdWallet and, later, a freelance contributor to the site. She has covered personal loans and consumer credit and debt, among other topics, and wrote a syndicated column about millennials and money. Previously, she was a reporter at The Washington Post. Her work has appeared in the Miami Herald and USA Today. Amrita has a master's degree in journalism from the University of Missouri.

Robin Hartill, CFP®

Robin Hartill, CFP®, is a freelance writer who covers personal finance for NerdWallet. She holds a bachelor's degree in English from the University of Florida. With more than 15 years of writing and editing experience, Robin enjoys breaking down complex financial topics for readers to help them make smart decisions about money. She is based in St. Petersburg, Florida.

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Capital One Personal Loan Alternatives