Best Low Interest Personal Loans in November 2022 | Bankrate (2022)

Best Low Interest Personal Loans in November 2022 | Bankrate (1)

4.6

Bankrate Score

APR from

7.99-22.49%*

with Autopay

Loan Amount

$5k-$100k*

Term:

2-7

yr*

Min. Credit

Not disclosed

Best Low Interest Personal Loans in November 2022 | Bankrate (2)

  • Lowest rate is for excellent credit only. Rates 7.99% - 22.49% APR w/autopay.*
  • Loans from $5,000 - $100,000
  • Same-day funding available (conditions apply)
  • We guarantee your best-funded loan experience ever

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.99% APR with a term of 3 years would result in 36 monthly payments of $308.73. Best Low Interest Personal Loans in November 2022 | Bankrate (3) 2022 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

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4.8

Bankrate Score

APR from

7.96-35.97%

with AutoPay

Loan Amount

$1k-$50k

Term:

2-7

yr

Min. Credit

560

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (5)

  • Personal loans up to $50,000 with low fixed rates that will never change
  • Affordable monthly payments that fit your budget and no prepayment penalties
  • Fast Funding —You should receive your funds within a day of clearing verifications†
  • No obligation and no impact to your credit score when you check your rate
  • Use your loan through Upgrade to pay on high interest credit cards, make a large purchase, finish that home improvement project, or almost any life event!

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.96%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

Check rate with Bankrate

APR from

8.99-35.99%

Loan Amount

$2k-$50k

Term:

3-4

yr

Min. Credit

600

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (7)

  • Get a personal loan up to $50,000 with a fixed APR from 7.99% to 35.99%
  • Get money in as little as one business day, upon approval and verification
  • Join more than 450,000 customers at a trusted company with an A+ BBB rating
  • Use it for almost anything: consolidate debt or other unexpected expenses

GENERAL AFFILIATE DISCLOSURE UPDATE AS OF 11.2022

*Trustpilot TrustScore as of June 2020. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation.All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable.

The term, amount, and APR of any loan we offer to you will depend on your credit sc¬ore, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.

Check rate with Bankrate

4.6

Bankrate Score

APR from

8.99-29.99%

Loan Amount

$5k-$40k

Term:

2-5

yr

Min. Credit

640

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (9)

  • No prepayment penalties, application fees, late fees, or hidden fees. Because no one wants to do that
  • You can consolidate all your credit card payments down to one monthly, affordable, fixed-rate payment between 5.99% and 24.99% APR

"This does not constitute an actual commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to enable us to verify your income, assets, and financial condition. Your interest rate and terms for which you are approved will be shown to you as part of the online application process. Most applicants will receive a variety of loan offerings to choose from, with varying loan amounts and interest rates. Borrower subject to a loan origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements."

Check rate with Bankrate

4.8

Bankrate Score

APR from

6.99-24.99%

Loan Amount

$3.5k-$40k

Term:

3-6

yr

Min. Credit

Not disclosed

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (11)

  • No Fees. We don't deduct a sign-up fee from your loan amount.
  • Loans from $3,500 to $40,000 and fixed rates from 6.99% to 24.99% APR. Only the most creditworthy applications qualify for the largest loan amounts and lowest rates.
  • Discount when enrolled in Autopay
  • You may be required to have some of your funds sent directly to creditors to pay down certain types of unsecured debt

Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. Rates range from 6.99% to 24.99% APR, and loan terms range from 36 to 72 months. For NY residents, rates range from 6.99%-24.74%. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions. Receive a 0.25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details

Check rate with Bankrate

4.4

Bankrate Score

APR from

7.99-35.99%

Loan Amount

$2k-$37k

Term:

2-6

yr

Min. Credit

600

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (13)

  • “”

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 7% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months.Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $1,500.For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.34% and origination fee of 7% will have a payment of $327.89 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount.The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

Check rate with Bankrate

4.3

Bankrate Score

APR from

8.30-36.00%

Loan Amount

$1k-$40k

Term:

3-5

yr

Min. Credit

Not disclosed

Best Low Interest Personal Loans in November 2022 | Bankrate (15)

  • We’ve helped over 4 million members start their journey out of debt
  • Get your cash in as little as 48 hours 1 
  • Check your rate with no impact to your credit score 2
  • Take advantage of unique offerings—balance transfer loans, joint applications, auto loans, and other member perks.

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 6.34% to 35.89% and is determined at the time of application. Origination fee ranges from 2% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 3/15/22 and are subject to change without notice. 1.Between July 2021 and September 2021, more than two-thirds of personal loans issued by LendingClub Bank were funded within 48 hours after loan approval. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand. 2.Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history. Unless otherwise specified, all loans and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment. Deposit accounts are subject to approval. Only deposit products are FDIC insured. “LendingClub” and the “LC” symbol, and “Radius” and the “R” symbol, are trademarks of LendingClub Bank. © 2022 LendingClub Bank. All rights reserved.

Check rate with Bankrate

4.5

Bankrate Score

APR from

9.95-35.95%

Loan Amount

$2k-$35k

Term:

1-5

yr

Min. Credit

580

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (17)

  • Personal loans from $2,000 to $35,000 online.
  • Competitive rates from 9.95% - 35.99% APR and terms from 24 to 60 months
  • Checking your loan options has no impact to your credit score.
  • Fast Decisions, see your loan options in minutes
  • Funding as soon as next business day

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Check rate with Bankrate

4.6

Bankrate Score

APR from

7.99-29.99%

Loan Amount

$12k-$50k

Term:

2-5

yr

Min. Credit

620

See OffersArrow Right

Best Low Interest Personal Loans in November 2022 | Bankrate (19)

  • Borrow $10,000 to $40,000
  • Rates as low as 5.99% APR - terms apply
  • No prepayment fees ever
  • A+ rated from the BBB

All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank®, N.A., Members FDIC, Equal Housing Lenders. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Terms and conditions apply. Loans are not available to residents of all states. Minimum loan amounts vary due to state-specific legal restrictions– please call a FreedomPlus representative for further details. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four-year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. *To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Loan origination fees vary from 1.99% to 4.99%, though most loans will have a loan origination fee of 4.99%. ** Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.

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