The average pre-qualified personal loan rate for a bad-credit borrower was 21.72% in January 2025, according to aggregate, anonymized data from NerdWallet. Consumer advocates say the highest APR ...

Unsecured personal loans don’t require collateral. Instead, approval is based on your credit score and finances. Compare NerdWallet’s picks for the best unsecured loans. Many, or all ...

A co-signed or joint loan is an option for people who don't qualify for a personal loan on their own. Adding another person’s credit history and income to an application can help you qualify and ...

The best personal loan lenders offer affordable monthly payments at a rate that fits your budget. Other loan features, including no fees, rate discounts and mobile apps set some lenders apart.

Jackie Veling covers personal loans for NerdWallet. Her work has been featured in The Associated Press, the Los Angeles Times and The Washington Post.

A home improvement loan is a type of personal loan that helps you pay for renovations and repairs around the house. The best home improvement loan covers your project's cost and has a rate and ...

anonymized offer data from users who pre-qualified for a personal loan through NerdWallet. Personal loan annual percentage rates, like other types of credit, remain higher than they were in 2020 ...

car loans and mortgages. Small-business lenders require a personal credit check because they want to see how you manage debt. NerdWallet’s credit score bands, used for general guidance FICO ...