Personal Loans
Best Personal Loan Companies with the Lowest Rates in October 2025 Key takeaways Winner: SoFi. Based on our comprehensive rating system, SoFi is LendingTree’s pick for the best personal loan company as of October 2025. Why we like it: SoFi offers some of the fastest funding on the market and lets you skip upfront fees (they’re optional). Runners-up: PenFed Credit Union and Upgrade. Both offer low rates and unique perks that make them strong alternatives and top LendingTree picks. Compare loans from top lenders in minutes What is the best personal loan company right now? As of October 2025, SoFi is the best personal loan company according to our methodology because it offers quick funding, optional fees and competitive rates. Other top personal loan companies include Upgrade (low rates and accessible to people with fair credit) and PenFed Credit Union(low rates and no fees). LendingTree personal loan experts hand-select each of our top lenders and evaluat...
