5.6 - 35.99 %
APR
3 - 5 years
Loan Term
Check rates
On partner's site

Best Small Personal Loans of March 2024

Compare small personal loans on Myfin.us.

Updated March 18, 2024
Showing 12 personal loans for best small personal loans
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
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On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
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On partner's site
APR
5.4 - 35.99 %
Term
1 - 7years
Loan amount
$600 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    Depends on the lender
  • Funds available in:
    24 hours
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Checking rates will not affect your credit score
    • Personal information is not sold to lenders
    • Available rates and lenders will appear based on preferred settings, with no bias
    • Receive actual rates based on your credit profile, not estimates
  • Cons:
    • Not a direct lender

Credible.com is a financial marketplace that helps thousands of Americans to get personal loans at the best rates they qualify for.

On Credible.com you can apply for a personal loan of up to $100,000. Then it will match your application with offers on the market and help you to find the lowest rate, based on your credit profile.

Credible.com is free to use and doesn't have any hidden fees.

See Credible full product review
Check rates
On Credible.com
APR
8.49 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    1.85 - 9.99%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast funding**
    • Wide range of loan amounts
    • Accessible to most borrowers
  • Cons:
    • Origination fee

Upgrade personal loans are designed for mainstream appeal, supporting a wide range of credit scores and incomes.

Upgrade offers 36-month or 60-month fixed-rate personal loans, which generally range from $1,000 to $50,000, in 44 states. Upgrade loans are not available in Colorado, Connecticut, Iowa, Maryland, Vermont and West Virginia.

You can repay your Upgrade personal loan over three or five years.

To apply for an Upgrade personal loan, you’ll start by filling out a one-page application to see which terms you qualify for based on a soft credit check (or credit inquiry that doesn’t impact your credit score).

** Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49% - 35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

** Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Read full review

See Upgrade full product review
Check rates
On partner's site
APR
5.99 - 35.99 %
Term
0.25 - 6years
Loan amount
$500 - $10,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    None
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan, Home Improvement Loan, Medical (Dental) Loan, Debt Consolidation Loan, Major Purchase, Moving Expenses (Relocation), Travel
  • Pros:
    • Fast and convenient service
    • Works in all 50 states
    • Personal loans for any purpose
  • Cons:
    • No direct loans

CashUSA offers quick personal loans. If a lender makes you a loan offer, you will have an opportunity to review the offer before deciding to accept it. In most cases, your funds can be deposited directly into your bank account via electronic fund transfer in as little as 1 business day.

CashUSA personal loans range between $500 to $10,000. The APR range is from 5.99% to 35.99%.

Whether you need to consolidate debt, remodel your home, or take a vacation, a personal loan may be a viable option.

Read full review

APR
27.99 - 35.99 %
Term
0.25 - 3years
Loan amount
$2,500 - $12,500
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast application and approval
  • Cons:
    • Origination fee
    • High APR

Merrick Bank offers personal loans from $2,500 to $12,500. There is also a 5% origination fee.

Receive your funds as soon as the next business day after approval.

Read full review

APR
20.05 - 35.99 %
Term
1 - 4years
Loan amount
$300 - $10,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    1 - 10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No credit or income requirements
    • Joint, cosign, & secured loan options
    • Establish credit history
    • Small loan amounts
    • Pre-qualification available
  • Cons:
    • Not available everywhere
    • High interest
    • Inflexible payment terms
    • Non-transparent terms
    • Reports to only two credit bureaus

Oportun® provides loans with rates between 20.05% - 35.99% APR.

Oportun® personal loans typically start at $300 and go up to $6,000 for new customers, $7,500 for returning customers, and $10,000 for secured loans. Typical loan terms are between 12 and 48 months.

Oportun® loans do not have an application or prepayment fee, but they do charge an origination fee that depends on your state and is calculated as part of your APR.

APR
7.44 - 24.66 %
with Autopay
Term
1 - 3years
Loan amount
$2,500 - $25,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    $75
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Short-term options
    • No collateral
  • Cons:
    • Origination Fee

Zions Bank provides personal loans that can be used for any purpose.

The APR range is from 7.44% to 24.66%. Loan terms are available for 12 or 36 months.

Your minimum loan amount is $2,500 with the total amount based on your income and ability to repay. A $75 origination fee applies.

APR
6.49 - 13.49 %
Term
2.5 - 5years
Loan amount
$2,500 - $12,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    None
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Funds are available soon after approval
    • No prepayment penalty
  • Cons:
    • Loans are not available outside of Hawaii, Guam, and Saipan

First Hawaiian Bank offers personal loans with rates from 6.49% - 13.49%. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 (Grandfathered) Checking Account and 0.35 percentage points lower if you have personal Priority Banking Platinum Checking Account.

A one-time documentation preparation fee of $50.00 applies to all loans.

APR
7.99 - 9.99 %
Term
1 - 5years
Loan amount
$1,000 - $5,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    No origination fee.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No origination fee or prepayment penalties
    • Quick and easy online application
  • Cons:
    • No autopay discount

With Greylock FCU you can borrow up to $5000 (based on your creditworthiness) for debt consolidation, vacation, furniture, or other major expenditures. The Credit Union does not charge a loan origination fee.

For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
Search for best loan
Showing 12 personal loans
Amount
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Credit Score
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

Choose your personal loan type