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Best for long-term loans for good credit
2025 NerdWallet award winner
8.99 - 35.49%
$5K - $100K
None
2 to 7 years
Our take on SoFi Personal Loan
SoFi offers large online personal loans with consumer-friendly features for good- and excellent-credit borrowers. Read our review of SoFi Personal Loan
Best for large long-term loans
2025 NerdWallet award winner
6.99 - 25.14%
$5K - $100K
660
2 to 7 years
Our take on LightStream
LightStream is a solid option for good- and excellent-credit borrowers, with no fees and a promise to beat competitors’ rates. Read our review of LightStream
Best for long-term loans with fast funding
2025 NerdWallet award winner
7.99 - 24.99%
$2.5K - $40K
660
3 to 7 years
Our take on Discover® Personal Loans
With competitive rates and no origination fees, Discover personal loans are good options for borrowers with good and excellent credit. Read our review of Discover® Personal Loans
Best for long-term loans with multiple rate discounts
2025 NerdWallet award winner
7.99 - 35.99%
$1K - $50K
600
2 to 7 years
Our take on Upgrade
Upgrade accepts lower credit scores than similar lenders, and it offers multiple rate discounts for its personal loans. Read our review of Upgrade
Best for long-term loans for bad credit
6.70 - 35.99%
$1K - $75K
None
3 to 5 years
Our take on Upstart
Upstart personal loans offer fast funding and may be an option for borrowers with low credit scores or thin credit histories. Upstart is a solid financing choice for large purchases. Read our review of Upstart
Best for co-signed and joint long-term loans
8.14 - 18.00%
$500 - $50K
660
6 months to 7 years
Our take on First Tech Credit Union Personal Loan
First Tech’s personal loans are a sound option for members who want a customizable loan with fast funding. Read our review of First Tech Credit Union Personal Loan
Best for long-term loans from a bank
7.49 - 23.74%
$3K - $100K
None
1 to 7 years
Our take on Wells Fargo Personal Loan
Wells Fargo personal loans are likely a good fit for existing customers, thanks to a wide range of loan amounts and repayment terms, plus perks like pre-qualification and a rate discount. Read our review of Wells Fargo Personal Loan
Best for secured long-term loans
8.99 - 18.00%
$250 - $50K
None
1 to 5 years
Our take on Navy Federal Credit Union Personal Loan
Navy Federal personal loans may be a good fit for most members, thanks to flexible amounts, consumer-friendly features and quick funding time. Read our review of Navy Federal Credit Union Personal Loan
30+
Lenders reviewed
25+
Categories assessed
60+
Data points analyzed
Three-year loan | Seven-year loan | |
---|---|---|
Monthly payment: | $513. | $281. |
Interest paid: | $3,456. | $8,612. |
Total loan cost: | $18,456. | $23,612. |