Best personal loans

Written by Maya Chen, Senior credit card writer · Reviewed by Rob Delgado · Updated October 27, 2026

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Low rates, fast funding and fair fees: these lenders stand out.

Quillfern Lending

1. Quillfern Personal Loan

4.7

Best for: Debt consolidation

APR from: 7.49%
Loan amounts: $5,000–$50,000
Terms: 2–7 years
Min. credit score: 680

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Wrenmoor Finance

2. Wrenmoor Credit Builder Loan

4.1

Best for: Fair credit borrowers

APR from: 11.99%
Loan amounts: $1,000–$20,000
Terms: 2–5 years
Min. credit score: 580

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Oakfield Lending

3. Oakfield Student Refi

4.5

Best for: Graduates with steady income

APR from: 4.99%
Loan amounts: $5,000–$300,000
Terms: 5–20 years
Min. credit score: 650

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Roadway Credit

4. Roadway Auto Refinance

4.2

Best for: Auto refinancing

APR from: 5.24%
Loan amounts: $7,500–$100,000
Terms: 2–7 years
Min. credit score: 600

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Hollowbeam Lending

5. Hollowbeam Home Improvement Loan

4.4

Best for: Home projects

APR from: 8.99%
Loan amounts: $3,000–$100,000
Terms: 3–12 years
Min. credit score: 660

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Editorial note: opinions are the author's own and have not been reviewed or approved by any card issuer, bank or lender.