Loans guidance for you Personal Loans As the name suggests, personal loans are not one-size-fits-all. Everything from your financial credentials to big picture goals should factor into your decision — along with our expert tips, user reviews, loan comparisons, and calculators ahead. Learn More Basics Best of By Location Resources Get your best quote and rate! Personal Loans Basics How to Get a Personal Loan in 4 Simple Steps If you need to borrow money for any personal reason, a personal loan can be a great option. Personal loans can be used for a wide range of purposes, such… Read more 3 min read Business v. Personal Loans: Which is Right for You? Making the choice between a business loan and a personal loan depends entirely on your circumstances. Here are some facts about each that should help guide you in the right… Read more 4 min read Personal Loan Myths Debunked There are a lot of myths circling around personal loans. What’s true and what isn’t? Here’s a look at some of the most common misconceptions surrounding personal loans. Only Banks… Read more 4 min read 2023 Income Requirements for Personal Loans As we move into 2023, the income requirements for personal loans are expected to remain relatively consistent with previous years. Income requirements are set by individual lenders and can vary… Read more 3 min read Best of Personal Loans 4 Low-Income Personal Loans for the Frugal Borrower Personal loans can be a great resource for those in need of extra cash to cover expenses or consolidate debt.… Read more 3 min read Poor Credit? No Sweat. Here are 5 Personal Loans to Consider If you have bad credit, it can be difficult to get approved for a personal loan. However, there are lenders… Read more 3 min read Best Personal Loan Rates of 2023 If you're in need of some extra cash for a large expense, such as home renovations, a wedding, or a… Read more 3 min read Personal Loan Refinance Calculator Loan balance ($)(Required)Annual percentage rate (%)(Required)Remaining term (years)(Required)Pick a new APR and repayment term.Ideally your new loan's rate will be lower than your current rate. Aim to keep your new loan's term as long as your current term, if not shorter, to avoid overpaying on interest.Loan amount ($)New APR(%)Please enter a number from 5 to 36.NumberPlease enter a number from 1 to 7.Show detailed payment comparison?(Required) Yes No Here's what you could save:You would pay this much more each month:You'll save this much in interest:How your current loan and refinanced loan compareYour current loan:Monthly paymentTotal interest paidTotal paymentsYour refinanced loan:Monthly paymentTotal interest paidTotal payments Δ Select state Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal Loans by State View Personal Loan Rates By State Personal loan regulations and requirements vary by state in the US. Each state has its own laws and regulations governing personal lending, which can impact interest rates, loan terms, and borrower protections. Some states may have additional requirements for personal lenders, such as licensing or maximum interest rate limits, while others may have specific rules for debt collection practices. It's important for borrowers to understand their state's laws and regulations when seeking a personal loan, and to work with a licensed lender to find the best loan to meet their needs. Personal Loan Resources Personal Loans No-Credit-Check Loans: Borrowing Options and Alternatives Learn More Personal Loans How to Knock Out Credit Card Debt With a Personal Loan Learn More Personal Loans Can’t Qualify for a Personal Loan? Consider These 4 Alternatives Learn More Personal Loans How Can Non-U.S. Citizens Get a Personal Loan? Learn More