# Best Personal Loans _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › credit › prets personnels **Our pick**: Best Egg Personal Loans (46/100) ## Comparison table | Criterion | Best Egg Personal Loans | Wells Fargo Personal Loans | SoFi Personal Loans | | --- | --- | --- | --- | | Annual Percentage Rate (APR) (%) | - | 6.74% - 26.74% | 8.0 | | Repayment Term (mois) | 24 | 12 - 84 mois | 84 | | Origination Fee (%) | 0 | 0% | 0 | | Credit Score Requirement | Good | Excellent | Excellent | | Collateral Required | - | Non | - | | Prepayment Options | Full | None | Full | | Funding Speed (jours) | 1 | - | 2 | | Repayment Flexibility | Standard | Standard | Flexible | | Minimum Loan Amount (USD) | 2000 | 3000 USD | 5000 | | Maximum Loan Amount (USD) | 35000 | 100000 USD | 100000 | ## 1. Best Egg Personal Loans SoFi offers fast funding, low rates, no required fees and other perks. **Best for:** Borrowers looking for a personal loan with fast funding and competitive rates without additional fees. **Pros:** - Fast funding - Low rates - No required fees _Source (verified): [https://www.lendingtree.com/personal/best-bank-for-personal-loan/](https://www.lendingtree.com/personal/best-bank-for-personal-loan/)_ ## 2. Wells Fargo Personal Loans ## 3. SoFi Personal Loans Provides flexible repayment terms and no origination fees, with options for various credit profiles. _Source (estimate): [https://www.sofi.com/](https://www.sofi.com/)_ ## In short 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. ## Frequently asked questions **What are the best personal loans available right now in 2026?** 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. **How do you rank the best personal loans?** 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. **What factors should I consider when choosing a personal loan?** 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. **Where can I find the lowest APR personal loans?** 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-personal-loans — citation with a link is allowed; bulk extraction/redistribution is prohibited._