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Best Personal Loans
8 Sep 2019

Best Personal Loans of 2019

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Personal loans are making a comeback. In 2018, personal loans totaled an astounding $2.1 billion.

People are taking out personal loans because it gives them the flexibility to put the money towards what they need the most.

If you are looking for a personal loan and don’t know where to begin, this is your lucky day.

Read on to learn which are the best personal loans of 2019.

Laurel Road Personal Loans

If you’re looking for a personal loan and have a credit score of at least 700, Laurel Rod is an excellent option.

With Laurel Road, you can borrow up to $45,000, and you will pay no origination fees if you have excellent credit. Because this lender offers personal loans for people with an established credit history, interest rates range between 8.01% to 16.30%.

Although there are no origination or prepayment fees, you will have to pay a fee if you pay late. To avoid missing a payment, you can sign up for autopay and get an extra discount.

SoFi Personal Loan

SoFi Personal Loan is another lender for borrowers with good credit. You need a credit score of at least 680 to qualify for the low interest of 5.99-16.79%.

Although you can borrow up to $100,000, you need to show a strong source of income in addition to your credit history.

OneMain Financial

OneMain Financial is a personal loan lender for people who have bad credit, which is why their interest rates are on the high side. If you take out a personal loan with OneMain, expect the interest rate to range between 18% to 35.99%.

Although this lender has higher interest rates, it does have a co-sign option. You can lower the estimated interest rate if you find a qualified co-signer.

This loan is an excellent option for people who have a limited credit history or who want to rebuild their credit.


LightStream is an excellent personal loan service for borrowers who have a minimum credit score of 660. Keep in mind, however, borrowers need many years of credit history to qualify.

LightStream offers some of the best interest rates of personal loans. The estimated APR starts as low as 3.99% up to 16.99%.

If you want to obtain the lowest interest rate, LightStream gives you the option to add a cosigner to the loan. Light stream doesn’t charge origination or late fees.


Avant offers personal loans for individuals who don’t have a strong credit history or have a low income. The minimum credit score required to apply is 580 and interest rates range from 9.95% to 35.99%.

With Avant, you can borrow between $2,000 to $35,000 for up to 5 years. If your credit improves while paying off the loan, you have the option of refinancing.

Although there are no prepayment fees, you still have to pay an administrative and late fee.

Best Personal Loans of 2019: The Bottom Line

These are the best personal loans of 2019. With some of these personal loans, you have the option to borrow up to $100,000 with an interest rate as low as 3.99%.

Before you apply for a personal loan, ensure you have the minimum credit score requires and read the terms carefully.

Ready to apply for a personal loan? Request your loan today.