Free ยท No obligation ยท Up to $50K

Compare personal loan offers in minutes.

Consolidate debt, cover a big expense, or fund a project. Compare personal loan offers from participating lenders with flexible terms and amounts.

250K+
Applications started
50+
Provider partners
4.7/5
User satisfaction
01 โ€” Common uses

What people use personal loans for.

Flexible, unsecured funding for a wide range of needs.

๐Ÿ’ณ

Debt consolidation

Combine high-interest credit card balances into one fixed monthly payment.

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Home improvement

Fund a renovation or repair project without tapping into home equity.

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Major life events

Weddings, medical bills, moving costs, or emergency expenses.

02 โ€” Eligibility

Basic requirements to get started.

To submit a free application, you'll generally need the following. Final eligibility is determined by the applicable lender.

  • Be at least 18 years old
  • U.S. citizen or permanent resident
  • Regular source of income
  • Valid checking or savings account
  • Reside in one of the 50 U.S. states
  • Valid email and phone number

Average APR by credit tier

6.9%
Excellent
12.5%
Good
19.8%
Fair
28.4%
Sub-prime

*Illustrative averages. Actual rates vary by lender and profile.

03 โ€” Loan terms

Terms at a glance.

Common personal loan ranges offered by participating lenders.

Loan amountTypical termsBest for
$1,000 โ€“ $5,00012 โ€“ 36 monthsSmall expenses, emergency
$5,000 โ€“ $15,00024 โ€“ 48 monthsDebt consolidation, repairs
$15,000 โ€“ $35,00036 โ€“ 60 monthsMajor projects, weddings
$35,000 โ€“ $50,00048 โ€“ 84 monthsLarge expenses, home improvement
04 โ€” How it works

Three steps. Two minutes.

Simple, transparent, and built to respect your time.

01

Answer a few questions

Provide basic info about the amount needed, purpose, and your situation. Takes about 2 minutes.

02

Review your options

Based on your responses, you may be presented with available personal loan offers from participating lenders.

03

Choose and apply

Compare rates and terms. When you're ready, complete your application directly with the lender you select.

05 โ€” Reviews

Borrowers like you.

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"I needed a personal loan to consolidate credit card debt. EasyQuotes connected me with three lenders within minutes. Completely online, no branch visits."

DR
David R.
Personal Loan ยท California
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"Got approved for $12,000 at a rate way lower than my credit cards. Cut my monthly payments by a third. Easy process."

SM
Stephanie M.
Personal Loan ยท New York
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"Used a personal loan to redo my kitchen. The comparison was transparent โ€” no surprises. Funds hit my account the next business day."

KW
Kevin W.
Personal Loan ยท Oregon
Ready to borrow

Find your personal loan options.

Start your free online application. No obligation, no phone calls, no pressure.

Check eligibility

EasyQuotes is not a lender, bank, or financial advisor. We do not make credit decisions or guarantee approval. By continuing, you acknowledge that information submitted may be processed by third-party services and participating lenders. Rates, amounts, terms, and availability are not guaranteed and vary by lender and individual circumstances.

06 โ€” FAQ

Personal loan questions.

Personal loans are unsecured and can typically be used for almost any purpose โ€” debt consolidation, home improvement, medical bills, moving costs, weddings, and more.
Many lenders offer same-day or next-business-day funding after approval. Exact timing depends on the lender and your bank.
No. Personal loans are typically unsecured, meaning no collateral is required. However, rates tend to be higher than secured loans.
Submitting the initial application through EasyQuotes does not impact your credit. A hard inquiry occurs when you formally apply with a lender and may affect your score.
Some lenders work with all credit tiers, while others have minimums. Rates and terms will vary significantly based on your credit profile.
No. EasyQuotes is completely free to use. We may receive compensation from lenders when you click through to their offers.