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Take Control of Your Money—Effortlessly and Confidently

Tired of feeling lost in a maze of loans, credit cards, and financial options? What if you could see every opportunity at once—and let the best options come to you? No long forms. No endless calls. Just clarity and control. What You’re About to Discover How to compare multiple loan and credit options in minutes—without repeating your personal info. A surprisingly simple way to find rates so competitive, lenders practically compete for your business. Tools to improve your credit score, track your progress, and make smarter financial decisions. Personalized guidance to uncover savings you didn’t know were possible. Peace of mind knowing every option is secure, transparent, and tailored to your goals. Take Control of Your Money Why Millions of Americans Are Turning to This Simple Approach Managing finances doesn’t have to be complicated. This system helps you: Save Time – Fill out a single secure form and get multiple offers instantly. Get the Best Deal...

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Best Personal Loan Companies with the Lowest Rates in October 2025

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

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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 evaluate them for how easy they are to qualify for, cost and ease of repayment — the factors that matter most to you. Learn more about how we rate lenders.

How LendingTree works

You’d shop around for flights. Why not your loan? LendingTree makes it easy. Fill out one form and get lenders from the country’s largest network to compete for your business.

1. Tell us what you need

Take two minutes to tell us who you are and how much money you need. It’s free, simple and secure.

2. Shop your offers

LendingTree users who get at least one offer receive 20 personal loan offers on average. Compare your offers side by side to get the best deal.

3. Get your money

Pick a lender and sign your loan paperwork. You could see money in your account in as soon as 24 hours.

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