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Loans & Debt

How to get a personal loan at the best rate

Boost your approval odds and lower your APR with these steps: shop multiple lenders, improve your credit, and pick the right term.

Steps

  1. Check your credit and dispute errors before applying.
  2. Improve quick wins: utilization under 30%, pay small collections, add income.
  3. Pre-qualify with 3–5 lenders (soft pulls).
  4. Compare APR, fees, term, total interest—not just monthly payment.
  5. Pick the shortest term you can comfortably afford.
  6. Use autopay and consider a creditworthy co-borrower to cut APR.

Pro tips

  • Credit unions often beat big banks.
  • Avoid add-on products (credit insurance) unless needed.

Frequently Asked Questions

Fixed or variable?

Fixed = predictable; variable may start lower but can rise.

How much can I borrow?

Typically $1k–$50k+ depending on credit/income.

Get Started

Get rate quotes from top lenders in 60 seconds (no hard pull).