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8 Best Personal Loan Rates Today

Best personal loan rates today

Best Personal Loan Rates Today are great options, especially for those looking to have a quick buck, thinking about paying off debt or starting a new ambitious dream.

Therefore, today we have gathered the best personal loan options with updated rates, highlighting their values, requirements, advantages and disadvantages. From alternatives for those with low scores to lines with a high release value and long terms to pay.

Keep reading and find out all about the best personal loan rates today, with tips to make the best choice according to your financial profile and without falling into traps or abusive fees.

1. Avant

Avant
Avant (Font: Canva/Avant)

Is Avant an interesting option for you who have been looking for personal loan rates today. At first, you can ask for $2,000.00 to $35,000.00, with an APR rate between 9.95% and 35.99% to be paid between 2 and 5 years.

In addition, you can apply for it even if you have a low score, as the minimum requirement is 550 credit points.

In addition, Avant allows access to credit without the rigidity of traditional banks. That’s because the approval process is easy and fast.

However, these are not all advantages, because Avant charges an administration fee of up to 9.99%. There is still a fine of US$ 25 for late payment and US$ 15 for refused payment.

2. Sofi

SoFi is a great alternative. You can borrow between US$ 5,000.00 and US$ 100,000.00 with APR rates ranging from 8.99% to 29.49%, and repay the loan over 2 to 7 years.

In addition, you can access credit with good conditions, especially if you have a reasonable financial history, as the minimum score required is 650 points.

The lender simplifies the process with a fully digital application and releases the funds within one business day.

You can still use the highly rated SoFi app, which offers customer service every day of the week and reinforces SoFi’s reputation as one of the top lending options.

SoFi charges an origination fee of up to 7% and sets a high minimum loan amount, which may limit access for borrowers seeking smaller loans.

3. Upgrade (Best personal loan rates today)

Upgrade lets you borrow from US$ 1,000.00 to US$ 50,000.00, with APR rates between 7.99% and 35.99%, and repayment terms from 2 to 7 years.

You can still apply for your credit easily, because the minimum score is 580 points, a low average. In addition, you may include a co-borrower.

Upgrade streamlines the approval process and can release funds on the same day or within four business days after approval.

In addition, you will have great benefits such as credit monitoring and online service every day of the week.

However, Upgrade charges an origination fee of 1.85% to 9.99%, in addition to $10 per bounced or late check.

4. Splash

Splash lets you borrow from US$ 1,000.00 to US$ 100,000.00, with APR rates from 8.99% to 35.99%, and repayment terms of up to 7 years.

It is important to know that Splash is a personal loan marketplace. Thus, you will be able to get to know different credit proposals after a pre-qualification. This makes it easier to choose the most cost-effective option, with no initial impact on your credit score.

Furthermore, the process is greatly simplified, after approval, the funds can be released within two business days. Although in some cases the deadline can reach two weeks.

Requirements for approval include proof of bank account, proof of income, valid ID, and the justification for the loan.

5. Happy Money

Happy Money is suitable for those who are looking for personal loan rates today with a focus on credit card debt consolidation.

You can initially borrow between $5,000.00 and $40,000.00, with APR rates from 8.95% to 29.99%, and repay the loan in up to 60 months.

We emphasize that this is a rate well below the market average. Also, Happy Money does not charge any late fee penalty.

Thus, this is an especially attractive option for those looking to organize their finances without punitive fees.

The requirements to apply for this credit are simple, and the criteria are simple, being:

  • Minimum score of 640;
  • Credit history of at least three years;
  • No active defaults.
  • It is also necessary not to reside in Iowa, Massachusetts, or Nevada.

After approval, the funds are released within 3-6 business days.

6. Lending Point (Best personal loan rates today)

LendingPoint is an alternative for those who need a personal loan rates today. As a rule, you can get from US$ 1,000.00 to US$ 37,000.00, it is worth saying that the amount you get will be released in one business day with an APR rate between 7.99% and 35.99%, which can be paid in 72 months.

Undoubtedly, this is one of the most interesting options, as it has a minimum score of 600. However, be aware of income, you must earn at least US$ 35,000.00 per year.

However, LendingPoint charges an origination fee of up to 10% and does not allow co-signers or joint applications.

Also, the maximum loan amount is low when compared to other platforms.

7. Citi

Citi is a very interesting option, where you can ask for US$ 2,000.00 and US$ 30,000.00, with an APR rate between 11.49% and 20.49%, and you can pay between 12 and 60 months.

In addition, Citi does not charge any fees, i.e., no origination, delay or prepayment fees. In addition, it offers a 0.5% discount on APR for those who activate automatic payment via bank account. The amount is released within 48 hours in the account you informed.

8. Best Egg (Best personal loan rates today)

Best Egg
Best Egg (Font: Canva/Best Egg)

Is Best Egg allows you to apply from US$ 2,000.00 to US$ 50,000.00, with an APR rate of 6.99% to 35.99%, which will be paid in 60 months.

It is still possible to get lower rates if the loan is secured by an asset, such as a car or fixed items in the residence.

The minimum requirement is 600 credit points, and the process is simple: just be a citizen or permanent resident in the United States, in addition to having a bank account with a routing number, valid email and physical address in eligible status.

However, Best Egg charges an origination fee of up to 8.99%, in addition to $15 per late or returned payment.

Conclusion

After looking at the best personal loan rates today, it’s clear that there are great options for a wide range of profiles, from those with lower credit scores to borrowers looking for high-value loans and flexible repayment terms.

Platforms such as Avant, Upgrade, and LendingPoint stand out for their affordability, especially for those who are rebuilding credit. Meanwhile, SoFi, Best Egg, and Splash have more consolidated loans for users with solid financial backgrounds and larger goals.

Now, if you want better opportunities in the future, we recommend that you follow the quick tips to boost credit score.

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