Best Personal Loans

Last updated: July 08, 2020
  • Credit Score Needed: AVERAGE
  • APR Range: 5.99% – 35.99%
  • Term: 3 – 5 Years
  • Loan Amounts: $1,000 – $35,000
  • Origination Fees: 0%
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  • Credit Score Needed: GOOD
  • APR Range: 6.95%-35.99% Fixed
  • Term: 3 or 5 Years
  • Loan Amounts: $2,000 – $35,000
  • Origination Fees: 1 – 5%
  • Credit Score Needed: BAD
  • APR Range: Varies
  • Term: 9 – 18 Months
  • Loan Amounts: $2,000 – $4,000
  • Origination Fees: 2%
  • Credit Score Needed: EXCELLENT
  • Fixed rates starting at 6.990% to 14.865% APR (with AutoPay) and 7.240% to 15.115% APR (without AutoPay)
  • Variable rates starting at 6.255% to 12.555% APR (with AutoPay) and 6.495% to 12.795% APR (without AutoPay)
  • Term: 3, 5, or 7 Years
  • Loan Amounts: $5,000 – $10,000
  • Origination Fees: 0%
  • Credit Score Needed: AVERAGE
  • APR Range: 4.99% – 35.99%
  • Term: 2 – 7 Years
  • Loan Amounts: $1,00
  • 0 – $100,000
  • Origination Fees: 0 – 6%
  • Credit Score Needed: BAD
  • APR Range: 5.32% – 30.99%
  • Term: Up to 5 Years
  • Loan Amounts: $1,000 – $40,000
  • Origination Fees: 1 – 6%
  • Credit Score Needed: AVERAGE
  • APR Range: 4.89% – 29.99%
  • Term: 3 – 5 Years
  • Loan Amounts: $1,000 – $50,000
  • Origination Fees: 1 – 6%

Why Consider a Personal Loan?

Personal loans are a form of unsecured debt. This means that the debt doesn’t have an asset that can be repossessed or foreclosed in the event that you default. From a consumer perspective, personal loans are safer than auto loans or mortgages which require you to forfeit your car or home if you default. Of course, a personal loan isn’t free money. And many consumers will take on personal debt to inflate their lifestyle.

At CentSai, we recommend that you apply smart financial behavior when you consider a personal loan. In many cases, saving in advance can eliminate your need for one. Likewise, you may be just as happy choosing a less expensive option that doesn’t require debt. Thinking outside the box may allow you to achieve your goals without taking on debt. But if a personal loan fits into your financial plan, you can compare personal loans online using our list of best personal loans companies.

Centsai

79 Madison Ave. New York, NY 10016

646.491.2254

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