Capital One Personal Loan Alternatives
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Capital One does not currently offer unsecured personal loans. You can get a personal loan from other lenders, including other banks, credit unions and online lenders.
Personal loan alternatives to Capital One
Banks
Citibank and Wells Fargo are two banks that offer personal loans. To qualify, you must be a bank customer and meet minimum credit and income requirements.
Snapshot of a typical bank-issued personal loan:
Credit scores accepted: good to excellent.
APR range: 5% to 29%.
Loan amounts: $1,000 to $100,000.
Online lenders
Online lenders cater to all kinds of credit profiles and most give you estimated rates without a hard inquiry on your credit. You can complete the application process online, and sometimes receive your funds within a day.
It pays to compare rates from multiple online lenders because companies use different formulas to set their rates. NerdWallet’s loan comparison tool lets you check rates without affecting your credit.
Snapshot of a typical online personal loan:
Credit score accepted: bad to excellent.
APR range: 6% to 36%.
Loan amounts: $1,000 to $100,000.
Compare personal loans
Here are three online lenders to consider as alternatives to Capital One. NerdWallet recommends pre-qualifying for multiple loans to compare rates.
 |  |  |
|---|---|---|
Est. APR6.99-19.99% | Est. APR4.49-20.49% | Est. APR5.74-20.28% |
Loan Term3 to 6 years | Loan Term2 to 7 years | Loan Term2 to 7 years |
Loan Amount$3,500-$40,000 | Loan Amount$5,000-$100,000 | Loan Amount$5,000-$100,000 |
Min. Credit Score660 | Min. Credit Score660 | Min. Credit Score680 |
Credit unions
Local credit unions typically offer lower rates and more flexible terms than traditional banks or online lenders and do not require good credit to qualify. NerdWallet recommends 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 8.86% at federal credit unions for a three-year loan.
Loan amounts: $250 to $50,000.
Other types of Capital One loans
Capital One offers other types of loans, including:
