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There’s no better time to get a personal loan.

You can use a personal loan to consolidate debt, refinance credit cards, or finance large purchases. Interest rates and terms can vary, based on your credit score and other factors.

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Loan amounts range from $1,000 to more than $50,000 and are paid back in fixed payments, typically over two to five years.

What are personal loans?

Personal loans have fixed annual percentage rates, generally between 6% and 36%. The loan with the lowest rate is the least expensive — and usually the best choice. Other features, including no fees, soft credit checks and whether lenders directly pay creditors if you’re consolidating debt, set some loans apart.

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