Low APR Personal Loans
Interest rates on personal loans are often lower than credit card rates, making them a popular way to finance large home improvement projects, consolidate debt, pay bills, or cover other expenses.
View top loan offers, or answer a few short questions to get matched with lending partners in our network. It takes less than 60 seconds and won’t affect your credit score.
Top Lenders and Lending Partners
Explore Low APR Loan Options for Various Credit Types
Obtaining a low APR personal loan can be challenging if you have poor credit. However, it’s not impossible to receive an inexpensive personal loan with a bad credit score. We work with numerous lenders who strive to help more people obtain low-cost financing when they need it. Some of our lending partners also offer low APR personal loans to couples with rougher credit scores.
Receiving quick approval of a personal loan is easiest when you have a good credit score. Individuals with minimal debt, a stable income, and stellar credit have the greatest chance of receiving a loan quickly, although it’s not guaranteed.
People with excellent credit scores will have the most options to choose from and are far more likely to receive instant approval on a personal loan. These borrowers will also receive the best terms and the lowest interest rate.
Obtain a low APR personal loan fast when you apply online.
Reputable lenders that work with all credit types for personal loans.
Compare Rates From Top Lending Partners
How we choose our Editor’s Choice: Our independent editorial review evaluates lenders across several factors that matter to typical borrowers, including interest rate ranges, fees, loan terms, customer reviews, and credit score requirements. When designated, our Editor’s Choice represents the editor’s best overall pick across the site based on this review; individual rates, terms, and approval outcomes may vary depending on each borrower’s situation.
Using our platform to find personal loans for home improvement projects or other purposes is a safe way to evaluate loan options and connect with providers. We protect our website with SSL, which encrypts your browser connection to help prevent unauthorized access to your information.
When you only go to your local bank or credit union to seek a personal loan, you will severely limit the number of products you see. Use our website to compare multiple personal loan options from top online lenders and get matched with the best lending partners meeting your criteria.
We don’t verify your finances when using our website and financial-matching technology. Instead, our tools help you analyze the best personal loan offers based on the information you provide us. When you leave our site to get prequalified, our partners will usually perform a soft credit inquiry and then verify your full credit report using a hard pull after you officially apply for a loan.
APRfinder has served individuals and businesses for over a decade and responds promptly to support requests. We also don’t sell your information to other companies. Instead, we provide resources and tools to help you make smarter borrowing decisions. We only make a commission when you click through a partner link and take an action such as applying for or receiving a loan.
Answers to Your Personal Loan Questions
What is an unsecured personal loan?
An unsecured personal loan is money borrowed from a bank, credit union, or another lender, not secured by property such as a home or vehicle. All funds are issued at once and paid back over time with set monthly payments. Most of our lending partners provide access to unsecured personal loans. However, some lenders may present you with a personal loan that requires collateral.
What can I use a personal loan for?
You can use personal loans to finance a wide range of individual, family, household, and business purposes. That could include paying for small and large home improvement projects, paying off credit cards and bills, consolidating debt, covering educational expenses, financing a vacation, medical expenses, moving, buying a car, a wedding, or other costs.
However, some lenders may not permit you to use the funds for purchasing real estate, paying business expenses, making investments, or other non-traditional uses. Be sure to check with the lender before submitting your completed application.
How much money can I borrow?
Most lenders in our network provide personal loans from $1,000 to $50,000. However, you may be able to find a company willing to lend you as low as $100 and up to $75,000 or more.
Do personal loans have a fixed or variable interest rate?
The majority of personal loans offered through our network of providers come with a fixed interest rate and monthly payments.
How long does it take to receive funds?
Many lenders will require you to have a bank account available for them to deposit your funds. Once you have accepted your final loan offer, you may receive funds in a checking or savings account the same day.
Once the loan is final, you will typically receive the money in your account on the next business day. However, some credit unions and banks can take up to three days to process funding into your account. Otherwise, receiving a check could take up to a week.
How long do I have to pay back my loan?
Personal loans from our partners typically need to be repaid within one to seven years. You can select an offer from the available loan options and request terms that best fit your needs, but each lender may require specific repayment terms to get you approved.
Will checking my rate affect my credit score?
Most initial rate checks will only perform a soft credit inquiry and won’t impact your credit score. However, if you accept your rate and proceed with a formal application, the company will eventually make a hard credit inquiry to verify your information and finalize the loan. We do not check your credit when matching you with lenders on our site.
What People Are Saying!
There were more loans to choose from than I was expecting. Who knew obtaining home remodel financing could be so easy!
– Ann S.
I didn’t realize how much interest I would save by using a low-interest-rate personal loan rather than my credit card. Thanks!
– Sarah L.
Connecting with a home improvement personal loan lender through APR finder is as easy as 1-2-3!
– Mike M.
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