Best personal loan rates for February 2025

Yasmeen Khan

Anuj shedge

Yasmeen Khan

What to know first:  The best personal loan rates start below 7 percent and go to the most creditworthy borrowers. However, most current personal loan rates range from 8 percent to 36 percent, with the average rate at 12.46 percent. They offer fast access to cash for everything from home improvement to debt consolidation.

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Compare personal loan rates top picks 

Bankrate’s top personal loan picks serve the needs of many kinds of borrowers. Use this table to compare everything from the best personal loan rates to the best loans for borrowers with bad credit. Have your basic financial information like your credit score available as you skim through the details to make sure you qualify for the best rates. APR ranges are subject to change by the lender. Also, the minimum APR is only offered to the most creditworthy borrowers. If you have low credit or don’t exceed the minimum eligibility requirements, you’ll likely be offered higher rates and fees.

Compare personal loan rates top picks 

Bankrate’s top personal loan picks serve the needs of many kinds of borrowers. Use this table to compare everything from the best personal loan rates to the best loans for borrowers with bad credit. Have your basic financial information like your credit score available as you skim through the details to make sure you qualify for the best rates. APR ranges are subject to change by the lender. Also, the minimum APR is only offered to the most creditworthy borrowers. If you have low credit or don’t exceed the minimum eligibility requirements, you’ll likely be offered higher rates and fees.

A closer look at our top lenders for personal loans

This section puts each top personal loan lender pick under a microscope. Before applying, consider each lender’s loan details and what makes them stand out for your particular borrowing needs. We outline what each lender excels at to help you find the best option for your needs. Where available, we also provide proprietary data showing what Bankrate users are doing with their loan funds.

A closer look at our top lenders for personal loans

This section puts each top personal loan lender pick under a microscope. Before applying, consider each lender’s loan details and what makes them stand out for your particular borrowing needs. We outline what each lender excels at to help you find the best option for your needs. Where available, we also provide proprietary data showing what Bankrate users are doing with their loan funds.

This section puts each top personal loan lender pick under a microscope. Before applying, consider each lender’s loan details and what makes them stand out for your particular borrowing needs. We outline what each lender excels at to help you find the best option for your needs. Where available, we also provide proprietary data showing what Bankrate users are doing with their loan funds.

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The frequency of pest control treatments depends on the type of pest and the severity of the infestation. We recommend quarterly visits for preventive measures.

The frequency of pest control treatments depends on the type of pest and the severity of the infestation. We recommend quarterly visits for preventive measures.

The frequency of pest control treatments depends on the type of pest and the severity of the infestation. We recommend quarterly visits for preventive measures.

The frequency of pest control treatments depends on the type of pest and the severity of the infestation. We recommend quarterly visits for preventive measures.

The frequency of pest control treatments depends on the type of pest and the severity of the infestation. We recommend quarterly visits for preventive measures.

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