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PERSONAL LOANS

Best personal loans, compare top lenders.
All in one place.

COMPARE TOP PERSONAL LOAN LENDERS

TOP LENDERS

Compare personal loan rates from top lenders

upstart personal loans
4.6
4.6/5

Rates from (APR)

5.40-35.99%

Loan term

3, 5, or 7 years

Loan amount

Up to $50,000

lightstream personal loans
4.9
4.9/5

Rates from (APR)

5.99-23.99%4

Loan term

2 – 7 years

Loan amount

Up to $100,000

best egg personal loan
4.5
4.5/5

Rates from (APR)

8.99-35.99%

Loan term

2 – 5 years

Loan amount

Up to $50,000

discover personal loans
4.4
4.4/5

Rates from (APR)

6.99-24.99%

Loan term

3 – 7 years

Loan amount

Up to $35,000

penfed credit union personal loan
4.7
4.7/5

Rates from (APR)

7.74-17.99%

Loan term

1 – 5 years

Loan amount

Up to $50,000

axos bank personal loan
4.6
4.6/5

Rates from (APR)

7.99-15.19%

Loan term

3 – 6 years

Loan amount

Up to $50,000

sofi personal loan
4.9
4.9/5

Rates from (APR)

7.99-23.43%3

Loan term

2 – 7 years

Loan amount

Up to $100,000

Achieve Personal Loan
4.1
4.1/5

Rates from (APR)

7.99-35.99%

Loan term

2 – 5 years

Loan amount

Up to $50,000

lendingpoint personal loans
4.7
4.7/5

Rates from (APR)

7.99-35.99%

Loan term

2 – 6 years

Loan amount

Up to $25,000

upgrade personal loans
4.8
4.8/5

Rates from (APR)

8.24-35.97%

Loan term

2 – 7 years

Loan amount

Up to $50,000

Calculate your savings with Capital for Business

Use our debt consolidation calculator to see how different terms and interest rates can change what you pay over time.

EASY, SIMPLE, FREE

Why Capital for Business?

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We use our user-friendly, agile platform with web-based and API integration capabilities to integrate into your point-of-sale.

Capital for Business

Your data is safe and secure

Checking your prequalified rates from multiple lenders on Capital for Business is 100% free. We don’t sell your data to lenders.

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We are unbiased and transparent

We don’t get paid to rank products higher, and we don’t hide fees. You’ll know exactly what your cost breakdown is before selecting a lender.

OUR PROCESS

How Capital for Business Works

Fill out our simple form and we’ll match you with offers from our network of 100+ lenders.

It’s fast, free and there’s no risk to your credit.

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100+ providers in 60 seconds

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Your personalized offers

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With the lender of your choice

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It really is that easy

EASY, SIMPLE, FREE

What Our Clients Say

They advocated so brilliantly for my account and are a huge reason for my renewed success with Capital For Business.
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Jonathan N. Craig

a trusted partner when your business does not work properly.
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Geoffrey E. Avila

If you have business problems you have to be part of your recovery plan.
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Debra R. Daley

They helped me with a business loan and now we’re thriving 🙂 thank you!
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Edson Romero

Quite a pleasureable experience!
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Lisa B. McClean

I had a really great experience getting funding for my business through Capital for business . Would highly recommend it.
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Aaron S. Devlin

this review wants to be of benefit to those who have trouble with their business and to trust their services.
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Lillie Martinez

Your staff and business associates were professional and efficient. I was treated with respect and they took the time to understand my business needs.
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Trammy R. Young

Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
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Smaat Money

I do truly recommend them. I enjoyed working with them, easy to talk too and they explain all the process for what you need.
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Cory Z. Sciortino

It's such a professional company. I enjoyed the collaboration we had
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Florence B. West

Great experience. Great customers services. Great over all.
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Harold M. Joseph

I am really satisfied. Very helpful!
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Maria Kincer

They were recommended by a co-worker. I am pleased by the services and taking his advice.
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A Google User

I am really happy with Capital for Business services. Great ethics.
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Angela Nagy

They give their best to give your perfect solution. Fast, easy and without a lot of papers involved.
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Charles V. Fraizer

The thing that impressed me the most is that they try to find the best solution for you and they explain it to you step by step.
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Benjamin G. Blast

perfect for small business. They are trustworthy.
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Carol T. Moir

I thank them so much! Their customer service is impeccable.
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Edwin C. Sims

I recommend them. They are the best!
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George L. Dodson

I just started a new business and this company helped me sooooo much!
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Roxanne J. Chambell

Their loan saved my business. Thank you so much!
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Marlene A. Esposito

The greatest help for the small businesses community.
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Michele R. Carrigan

The thing I appreciate most about this company is that it's moral and client oriented.
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James H. Fauver

They were recommended by a close friend. Reliable company 100%
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Bettie Nelson

I do recommend this company! It is worthy!
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Werner D. Seely

Such great experience! I encourage everyone to come to Capital for Business!
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Raymond S. McDermott

Capital for Business was a recommendation and now I recommend them too!
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Marjorie Fitch

awesome place for small loans
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Jamie M. Deming

They were recommended by a close friend. Reliable company 100%
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Bettie Nelson

Very helpful, even helping me after hours with questions and help. I highly recommend them!
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Mark G

Half a year ago our business was falling into a pit but thanks to the loan from Capital for Business we are on track again.
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Carmella A. McGregor

Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
Read more
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Hamili Milligan

Awesome to work with!
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J&D Construction LLC

Jeff was amazing and very attentive to my funding needs for my business! I had a couple hiccups but he did not give up and delivered on exact what I n
eeded. I can’t appreciate Capital for Business enough
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Ashley Johnson

Easy process, superb communication!!!!! Looking forward to future endeavors!!!
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William Richardson

COMMONLY ASKED QUESTIONS

There’s no such thing as too many questions

A personal loan is a type of installment loan that you can use to cover almost any personal expense. Personal loans are available from a variety of financial institutions, including banks, credit unions, and online lenders.

Most personal loans are unsecured, which means you don’t have to worry about providing collateral (like your home or car). If you’re approved for an unsecured loan, you’ll make monthly payments to pay it back in full, plus interest. The loan terms and interest rate can vary based on the lender and your credit.

Some lenders offer secured personal loans that require collateral. Because there’s less risk to the lender, you might get a lower interest rate on a secured loan compared to an unsecured loan. But if you can’t keep up with your payments, you risk losing your collateral.

You can use personal loans for almost any expense — though some lenders restrict the use of their loans for certain purposes. Their varied uses make personal loans much more flexible than an auto loan, home loan, or student loan, which can only be used for one specific purpose.

Here are some of the expenses that you might be able to get a personal loan for:

Debt consolidation

Home improvement projects

Major purchases

Weddings or travel

Adoption

Fertility treatments

Medical treatments

Every lender has its own methods of evaluating borrowers and determining rates, so it’s a good idea to compare prequalified rates from more than one lender. Generally, the shorter the loan term, the lower the interest rate offered by most lenders; and the better your credit score and credit report, the better the interest rate you can qualify for. Securing low interest rates helps you save over the life of a loan.

Many lenders even offer an autopay discount if you authorize your monthly loan payments to be directly withdrawn from your bank account.

Qualifying for the lowest rates offered by a lender is dependent on your online application, credit approval and score, loan terms, and other factors. Through Credible, you can easily compare loan offers, loan terms, origination fees, monthly payment amounts, and repayment terms.

While minimum credit score requirements vary by lender, you’ll generally need a good to excellent credit score to qualify for the best interest rates on a personal loan. In general, the better your credit score, the more competitive interest rates you’ll likely get.

Here are the credit score ranges you can typically expect to see, as well as how they can affect the interest rates you’re offered:

Poor (639 or lower): A score in this range could make it much harder to get approved for a personal loan on your own. You might need to consider applying with a cosigner to qualify. If you’re approved, you’ll likely receive a high interest rate.
Fair (640 to 699): While several lenders offer fair credit personal loans, you can generally expect to pay a higher interest rate. Having a cosigner might get you a better rate, even if you don’t need one to qualify.
Good (700 to 749): A good score increases your chances of qualifying with several personal loan lenders. You’re also more likely to receive more favorable rates. While you likely won’t need a cosigner to get approved for a loan, having one might help you get the best interest rates.
Excellent (750 and above): Scores above 750 will qualify you for the vast majority of personal loans, as well as help you get the lowest interest rates advertised by lenders.

While eligibility criteria can vary by lender, here are a few personal loan requirements you’ll likely need to meet:

Good credit: Most lenders prefer to work with borrowers who have good to excellent credit. While several lenders also offer personal loans for poor or fair credit, remember that these loans will generally come with higher interest rates compared to good credit loans.
Verifiable income: When lenders review your loan application, they want to see that you can afford to repay your loan. Some lenders have a minimum required income, while others don’t — but in either case, you’ll likely have to provide proof of income.
Low debt-to-income ratio: Your debt-to-income (DTI) ratio is the amount you owe in monthly debt payments compared to your income. To qualify for a personal loan, you’ll typically need a DTI ratio of 40% or less — though some lenders might require a lower ratio than this.

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