{
  "canary": "907e27bb392becf1",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Tarif",
        "key": "taux_pourcentage_annuel",
        "label": "Annual Percentage Rate (APR)",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Tarif",
        "key": "montant_mensuel_paiement",
        "label": "Monthly Payment",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Tarif",
        "key": "duree_remboursement",
        "label": "Repayment Term",
        "poids": 3,
        "sens": "neutre",
        "type": "duree",
        "unit": "mois"
      },
      {
        "group": "Tarif",
        "key": "frais_initiaux",
        "label": "Origination Fee",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Conditions",
        "key": "exigences_credit",
        "label": "Credit Score Requirement",
        "options": [
          "Excellent",
          "Good",
          "Fair",
          "Poor"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "ordinal"
      },
      {
        "group": "Conditions",
        "key": "garanties_requises",
        "label": "Collateral Required",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "booleen"
      },
      {
        "group": "Conditions",
        "key": "options_prepayment",
        "label": "Prepayment Options",
        "options": [
          "None",
          "Partial",
          "Full"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "choix"
      },
      {
        "group": "Service",
        "key": "vitesse_financement",
        "label": "Funding Speed",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "duree",
        "unit": "jours"
      },
      {
        "group": "Service",
        "key": "flexibilite_remboursement",
        "label": "Repayment Flexibility",
        "options": [
          "Limited",
          "Standard",
          "Flexible"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "choix"
      },
      {
        "group": "Service",
        "key": "service_client",
        "label": "Customer Service",
        "options": [
          "Poor",
          "Average",
          "Good",
          "Excellent"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "note"
      },
      {
        "group": "Montant",
        "key": "montant_pret_minimum",
        "label": "Minimum Loan Amount",
        "poids": 2,
        "sens": "neutre",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Montant",
        "key": "montant_pret_maximum",
        "label": "Maximum Loan Amount",
        "poids": 2,
        "sens": "neutre",
        "type": "prix",
        "unit": "USD"
      }
    ],
    "faq": [
      {
        "a": "Our top-rated personal loan for 2026 is Best Egg Personal Loans, scoring 46/100, followed closely by Wells Fargo Personal Loans. We compare them based on APR, monthly payment, repayment term, origination fee, credit score requirement, and collateral.",
        "q": "What are the best personal loans available right now in 2026?"
      },
      {
        "a": "Our ranking is based on a comprehensive analysis of key factors like APR, monthly payment, and repayment terms. We are committed to neutrality; our rankings are not influenced by any form of payment, and all data is sourced.",
        "q": "How do you rank the best personal loans?"
      },
      {
        "a": "Key factors to consider include the Annual Percentage Rate (APR), the total monthly payment, the repayment term length, any origination fees, the minimum credit score required, and whether collateral is needed.",
        "q": "What factors should I consider when choosing a personal loan?"
      },
      {
        "a": "We evaluate APRs for various lenders, including Best Egg and Wells Fargo, to help you find competitive rates. Checking multiple lenders is always recommended to secure the best possible APR for your situation.",
        "q": "Where can I find the lowest APR personal loans?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2550,
    "neutral": false,
    "path": [
      "finance",
      "credit",
      "prets-personnels"
    ],
    "price_key": "montant_mensuel_paiement",
    "profile_questions": [
      {
        "options": [
          "Excellent (720+)",
          "Good (670-719)",
          "Fair (580-669)",
          "Poor (below 580)"
        ],
        "q": "What is your credit score range?"
      },
      {
        "options": [
          "Debt Consolidation",
          "Home Improvement",
          "Major Purchase",
          "Other"
        ],
        "q": "What is the primary purpose of the loan?"
      },
      {
        "options": [
          "$1,000 - $5,000",
          "$5,001 - $10,000",
          "$10,001 - $25,000",
          "$25,001+"
        ],
        "q": "What loan amount are you seeking?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "best debt consolidation loans",
      "best bad credit loans",
      "best personal loan rates",
      "how to improve credit score"
    ],
    "synthese": [
      "This comparison of 3 personal loans across 12 criteria, including Annual Percentage Rate (APR), monthly payment, repayment term, origination fee, credit score requirement, and collateral required, shows Best Egg Personal Loans ranking first with a score of 46/100, largely due to its perfect scores in prepayment options and funding speed.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Personal Loans",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 10.5,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "best_for": "Borrowers looking for a personal loan with fast funding and competitive rates without additional fees.",
      "cons": [],
      "description": "SoFi offers fast funding, low rates, no required fees and other perks.",
      "link_url": "https://bestegg.com/",
      "logo_dom": "best.com",
      "logo_url": "https://unavatar.io/best.com?fallback=false",
      "name": "Best Egg Personal Loans",
      "pros": [
        "Fast funding",
        "Low rates",
        "No required fees"
      ],
      "provider": "Best Egg",
      "score": 46.0,
      "source_url": "https://www.lendingtree.com/personal/best-bank-for-personal-loan/",
      "subscores": {
        "exigences_credit": 33.0,
        "flexibilite_remboursement": 50.0,
        "options_prepayment": 100.0,
        "vitesse_financement": 100.0
      },
      "values": {
        "duree_remboursement": 24,
        "exigences_credit": "Good",
        "flexibilite_remboursement": "Standard",
        "frais_initiaux": 0,
        "garanties_requises": false,
        "montant_mensuel_paiement": null,
        "montant_pret_maximum": 35000,
        "montant_pret_minimum": 2000,
        "options_prepayment": "Full",
        "service_client": null,
        "taux_pourcentage_annuel": {
          "max": 35.49,
          "min": 6.99
        },
        "vitesse_financement": 1
      },
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Wells Fargo Personal Loans",
      "score": 38.0,
      "subscores": {
        "exigences_credit": 0.0,
        "flexibilite_remboursement": 50.0,
        "options_prepayment": 0.0,
        "taux_pourcentage_annuel": 100.0
      },
      "values": {
        "duree_remboursement": "12 - 84 mois",
        "exigences_credit": "Excellent",
        "flexibilite_remboursement": "Standard",
        "frais_initiaux": "0%",
        "garanties_requises": "Non",
        "montant_mensuel_paiement": null,
        "montant_pret_maximum": "100000 USD",
        "montant_pret_minimum": "3000 USD",
        "options_prepayment": "None",
        "service_client": null,
        "taux_pourcentage_annuel": "6.74% - 26.74%",
        "vitesse_financement": null
      }
    },
    {
      "badges": [],
      "description": "Provides flexible repayment terms and no origination fees, with options for various credit profiles.",
      "estimated": true,
      "logo_dom": "sofi.com",
      "logo_url": "https://unavatar.io/sofi.com?fallback=false",
      "name": "SoFi Personal Loans",
      "provider": "SoFi",
      "score": 34.0,
      "source_url": "https://www.sofi.com/",
      "subscores": {
        "exigences_credit": 0.0,
        "flexibilite_remboursement": 100.0,
        "options_prepayment": 100.0,
        "taux_pourcentage_annuel": 0.0,
        "vitesse_financement": 50.0
      },
      "values": {
        "duree_remboursement": 84,
        "exigences_credit": "Excellent",
        "flexibilite_remboursement": "Flexible",
        "frais_initiaux": 0.0,
        "garanties_requises": false,
        "montant_mensuel_paiement": null,
        "montant_pret_maximum": 100000,
        "montant_pret_minimum": 5000,
        "options_prepayment": "Full",
        "service_client": null,
        "taux_pourcentage_annuel": 7.99,
        "vitesse_financement": 2
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-personal-loans.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best personal loans",
  "source": "CompareFairly",
  "title": "Best Personal Loans",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-personal-loans"
}