Best Small Personal Loans December 2024

5K Funds.com (the “website”) is not an offer or solicitation to lend. The website only provides a service. It is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.
The website collects personal information provided by you and forwards it to partners in our lender network. You are not obligated to use this website or service to initiate, contact, or apply for credit or any loan product with any service provider or lender.
Loan amounts vary from $500 and $35,000, but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution.
In some circumstances faxing may be required. If you have questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans provide short-term financing to solve immediate cash needs and should not be considered a long-term solution.
This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers.
By submitting your request, you acknowledge, agree, and authorize that your information may be sent to lenders or third-party partners on your behalf. Also, such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian, and Equifax, to evaluate your creditworthiness.

Loan Example: If you borrowed $2,000 over a 12 month period and the loan had a 3% origination fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR. If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12.

Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.94% – 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.

To check the rates and terms you may prequalify for, Credible conducts a soft credit pull that will not affect your credit score. If you choose a lender and continue with your application, the lender will usually conduct a hard credit pull that may impact your credit score.

Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.

Student Loan Rate and Terms Disclosure:  Rates displayed include Automatic Payment and Loyalty Discounts, where applicable. Note that such discounts do not apply while loans are in deferment. The lenders on the Credible.com platform offer fixed rates ranging from 3.49% – 17.99% APR and Variable interest rates from 4.63% – 17.99% APR. Variable rates will fluctuate over the term of the borrower’s loan with changes in the Index rate. The Index will be either LIBOR or SOFR. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy co-signers, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include Automatic Payment and Loyalty discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score.

Student Loan Refinancing Rate and Terms Disclosure: The lenders on the Credible.com platform offer fixed rates ranging from 3.85% – 11.85% (3.85% – 11.85% APR). Variable interest rates offered by the lenders on Credible.com range from 4.86% – 13.34% (4.86% – 13.34% APR). Variable rates will fluctuate over the term of the borrower’s loan with changes in the Index rate. The Index will be either LIBOR, SOFR, or the Prime Rate of interest as published in the Wall Street Journal (WSJ). The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Rates are subject to change at any time without notice. Your actual rate may be different from the rates advertised and/or shown above and will be based on factors such as the term of your loan, your financial history (including your cosigner’s (if any) financial history) and the degree you are in the process of achieving or have achieved. While not always the case, lower rates typically require creditworthy applicants with creditworthy cosigners, graduate degrees, and shorter repayment terms (terms vary by lender and can range from 5-20 years) and include loyalty and Automatic Payment discounts, where applicable. Loyalty and Automatic Payment discount requirements as well as Lender terms and conditions will vary by lender and therefore, reading each lender’s disclosures is important. Additionally, lenders may have loan minimum and maximum requirements, degree requirements, educational institution requirements, citizenship and residency requirements as well as other lender-specific requirements.

*Not all available financial products and offers from all financial institutions have been reviewed by this website

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate.com is compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on their site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for mortgage, home equity and other home lending products. Other factors, such as proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on the Bankrate site. Bankrate strives to provide a wide range of offers, but does not include information about every financial or credit product or service.

Mortgage
Important information about our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders’ terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser’s own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertiser’s phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $424,100 May Have Different Loan Terms: If you are seeking a loan for more than $424,100, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you.

Savings
These rates are updated weekly. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

Home Equity
These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own website, where you can find additional information. Rates are subject to change without notice and may vary from branch to branch.

Personal Loans
Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

Student Loans
These rates are updated weekly. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

Auto Loans
These rates are updated weekly. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

LoansUnder36%.com (the “website”) is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions. The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $500 and $35,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Representative example: If you borrowed $2,000 over a 12 month period and the loan had a 3% origination fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR. If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR. Loan products have a 61-day minimum repayment term. Loan example:.If you borrowed $5,000 over a 48 month period and the loan had an 8% origination fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6320.12.

AmOne is not a lender and does not represent lenders as a loan broker or in any capacity other than as a referral source; AmOne may receive a referral fee from a lender in certain circumstances. AmOne matches borrowers with financial solutions that appear to best fit their situation. AmOne is not acting as a credit services agent for you; you must apply for credit directly with the lender with which you choose to apply. Any credit product you apply is solely the product of the lender. Interest rates used as examples on the AmOne website are typically for borrowers with prime credit; actual interest rates, terms, and conditions will vary depending on the loan type and lender. There is no charge to use AmOne’s service. Filling out a form on the AmOne website does not guarantee approval for a loan.

In addition to matching borrowers with available loan options, AmOne provides a venue through which you can obtain information, and you can find third-party service providers, such as financial institutions, credit card providers, and other financial service professionals (“Service Providers”). AmOne may share your information with a Service Provider so they can contact you about their product or service. We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate Service Providers’ licensing, certification, or other requirements and qualifications. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages, or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

ADVERTISER DISCLOSURE: The products on AmOne are from companies from which AmOne receives compensation. In certain situations, compensation may impact where products appear on the site (including the order in which they appear). AmOne does not include all loan companies or all types of products available in the marketplace.

As of 04/03/2018, visitors to AmOne were seeing rates from matched offers as low as 5.49% fixed (5.49% APR) on a $5,000 loan amount for a term of three (3) years. Loan rates below 5.49% may be available for specific loan purposes, such as auto loans, with specific lenders. Better loan rates are offered to borrowers with excellent and substantial credit history. Rates, APR and other terms you may be offered may vary from this example based on your state, credit history, credit score, financial situation, loan amount, loan term, loan usage, and other underwriting criteria of the lenders. Lenders generally have a range of available APRs, and only borrowers with excellent credit will qualify for the lower rates. There is a possibility you may not be matched with any lenders. Loans are not available in all states at all requested amounts. AmOne only matches you with potential lenders, and your completed form on this website does not constitute a loan application. You must proceed with a matched lender to complete a loan application. Lenders make all credit decisions.

AmOne Corp. is a subsidiary of QuinStreet PL, Inc. (Licenses)

In California, consumer loans marketplace services are provided exclusively by QuinStreet PL, Inc., the registered owner of AmOne. QuinStreet PL, Inc. is licensed under the California Finance Lenders Law (License No. 60 DBO-83197), with its principal office located at 950 Tower Lane, Foster City, CA 94404.

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

SuperMoney Disclaimer: *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. The use of trademarks does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney of those trademark owners or their sites, products or services, or they of us or ours. SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. The operator of this website is not a lender, does not broker loans to lenders and does not make loans or credit decisions. This website does not constitute an offer or solicitation to lend. This website will submit the information you provide to a lender. Providing your information on this website does not guarantee that you will be approved for a loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. SuperMoney or its affiliates may call you or send you SMS text messages as part of our/their service offering. The phone number or other service belonging to the called/messaged person(s) could incur charges for such contact. REPLY “HELP” FOR HELP, REPLY “STOP” TO CANCEL. By using this site you agree to Terms & Conditions and Privacy Policy.
**The Annual Percentage Rates (APR), interest rates, loan types, loan terms, loan amounts, origination fees and other terms provided in this website are estimated based on information you provided, data offered by partners, and publicly available information. All information is presented without warranty, and the estimated APR, terms and other features are not binding in any way. Lenders offer a range of APRs and loan programs depending on your credit history, income, and other factors. Only borrowers with excellent credit qualify for the lowest rates. Your actual APR will depend on your credit score, loan amount, term, income, and credit history. All loans must be reviewed and approved by the lenders.
† To check the rates and terms you qualify for, one or more soft credit pulls may be done by SuperMoney, and/or SuperMoney’s lending partners, that will not affect your credit score. However, if you choose to continue your application at a lending partners’ website or by phone, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

Tally is a platform that provides solutions you can use to help manage your credit cards.

Tally also offers you the ability to manage and pay credit cards linked to your Tally account in a single place. This aspect of the service allows you to make payments to your credit cards from your linked bank account. Tally may charge a monthly fee for this service.

Tally offers a line of credit that can be used to pay off credit card debt. Tally partners with a chartered bank, Cross River Bank, Member FDIC, that will issue the line of credit in some states. Tally may add or change chartered banks with whom we partner.  Your Line of Credit Agreement will identify which company issues your line of credit. With the Tally line of credit, payments will be made directly to your credit card accounts.  If funds are advanced from your Tally line of credit and paid toward a credit card balance, you will make payments of principal and interest to your Tally Account to repay your Tally line of credit. If you qualify for and accept a Tally line of credit, a Line of Credit Agreement, which outlines the terms of the Tally line of credit, will be emailed to you.

Tally may offer you a feature, including without limitation features such as “Tally Advisor,” designed to help you pay off your credit card balances more quickly. Tally Advisor and similar features make payment recommendations based on your balances, APRs, past spending behavior and/or payoff strategy. Although Tally Advisor and similar features consider information unique to you in making recommendations,  we are not aware of all your facts and circumstances and our recommendations are only suggestions for managing your credit card debt, not promises or guarantees. The amount and timing of any payment to your credit card is ultimately your responsibility. Please note that some features are being developed and may not be available to all users or on all platforms. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

Disclaimer: A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states. APR ranges from 8.05% to 35.89% and is determined at the time of application. Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates are subject to change without notice. Loans are made by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of [PARNTER LEGAL NAME] and is not responsible for the products and services provided by [PARNTER NICKNAME]. Loans are subject to credit approval and sufficient investor commitment before they can be funded or issued. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that your request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.