Best Personal Loans Today | Ratings & Reviews | CentSai

Best Personal Loans

Last updated: November 14, 2019
All Credit Types Welcome

Zippyloan is an online marketplace that connects people of all credit types, including poor credit, with lenders. Whether you have poor or good credit, Zippyloan can help you find a loan as soon as tomorrow.

  • Loans as small as $100 up to $15,000
  • Fast Funding
  • No Credit minimum
Good Credit Loans has Helped 2.5+ Million Customers Simplify Their Finances in 10+ Years. Borrow up to $40,000.

  • Best For Good Credit
  • Low, fixed interest rates
  • No prepayment penalties
Won't impact your credit score!

Personal loans to support the moments that matter most. Compare personal loan rates in 2 minutes.
Borrow up to $100,000.

  • APR: 4.99% – 35.99%
  • Loan Term: 24-84 months
  • Credit Score: Fair/Good/Excellent
Won't affect your credit score.
For Credit Score > 600

Personal loans of up to $50,000 with low, fixed rates and affordable monthly payments.  A simple way to build your future.


  • Flexible loan options that fit your budget and timeline.
  • No prepayment penalties.
  • Get access to your credit score, alerts and tools.
Best for Bad Credit
  • Bad Credit Accepted
  • Interest rates: 5.99% – 35.99%
  • Loan Amount: $500 – $10,000
  • Loan Terms: 3 – 36 months
  • May help you build credit
Fair Credit Loans

Over 600,000 people have experienced the convenience of personal loans through Avant. Borrow up to $35,000.

  • Best For Fair Credit
  • No Prepayment Fees
  • Funds As Soon As Tomorrow
Checking your loan options does not affect your credit score.
Good Credit Loans

San Francisco-based Prosper was founded in 2005 and has facilitated more than $15 billion in loans. Borrow up to $40,000.

  • Best For Good Credit
  • Low, fixed interest rates
  • No prepayment penalties
Checking your rate will not affect your credit score
Fair Credit Loans

A trusted lender for more than 100 years. Personalized service in nearly 1,600 locations. Borrow up to $30,000.

  • Best For Fair Credit
  • Some loans may be funded the same day
Checking rates won't affect your credit score
Fair Credit Loans

LendingPoint offers personal loans for borrowers with average to bad credit, primarily for debt consolidation.
Borrow up to $25,000.

  • Best For Fair Credit
  • No prepayment penalty
  • Instant decision!
Just checking your options won’t impact your credit score.
For Credit Score > 680

personal loans for debt consolidation and important life expenses.
Borrow up to $75,000.

  • Fixed rates start at 5.99%
  • Loan Term: 3 to 5 Years
  • Credit Score: Greater Than 680
2 Min: Get My Rate

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.