The Wayback Machine - https://web.archive.org/web/20250305210806/https://www.bankrate.com/loans/personal-loans/
Skip to Main Content

Personal Loans

A personal loan is a great financial tool. It can help you consolidate debt, renovate your home, or even pay for college. Ready to explore if it's right for you? We've got everything you need, right here.

Helpful links

Black man and woman reviewing papers in their living room with a yellow square border and thin yellow circle behind them
Emergency expense? Big move? A personal loan can help.
Taking on still more debt in pursuit of a goal can sometimes make sense. Here’s when.
Borrowers have a few places to turn to for personal loans. Here’s what to know.

Experts in all things finance

Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.

About Bankrate
Rebecca Betterton headshot

Rebecca Betterton

Certified Financial Education Instructor℠

Denny Ceizyk headshot

Denny Ceizyk

Senior Loans Writer

Lauren Nowacki headshot

Lauren Nowacki

Senior Loans Writer

The latest

Shot of a young man using his mobile phone while laying on his couch at home
Here’s how to qualify for a low interest personal loan.
Shot of a young couple going through paperwork together on the sofa at home
These loans don’t require collateral and typically charge higher interest rates.
Couple on couch at home looking at laptop
Making a plan to manage your loan will set you up for success.
Young woman working at home
An APR is a snapshot of how much your personal loan will cost each year.
Young woman smiling at tablet sitting at a table
You’ll need excellent credit and good finances to qualify.
Students walking together on a college campus
If student loans don’t cover everything you need as a college student, a personal loan might be an option.
Man looking at loan on tablet
Personal loans are a quick source of cash, but be careful how you use them.
Woman sitting at table looking at open laptop with a blue half circle behind her
Personal loan interest rates today are unusually high, thanks to market forces.
The trusted provider of accurate rates and financial information