⚠️ Advertising Disclosure: This is a lead generation marketplace. We are not a lender. We connect you with lending partners who may compensate us for referrals.
Select a product to get started – with no impact to your credit score.
Borrow $500-$100k for any purpose. Consolidate debt, cover expenses, or fund projects with flexible terms and competitive rates.
Finance your education or refinance existing student loans. Lower your monthly payments and save on interest with better rates.
Purchase your dream home or refinance your mortgage. Compare rates from top lenders and find the best deal for your situation.
Finance a new or used vehicle with competitive rates. Get pre-approved and shop with confidence knowing your budget.
Our marketplace is built to defend you from unwanted marketing and pushy sales calls. We limit the personal data we collect and only share it with lenders with your permission.
Important: The lenders shown below are our advertising partners. When you submit a request, we may receive compensation. Rates and terms vary by lender and your creditworthiness.
* Lenders shown based on estimated approval likelihood. Order may be influenced by advertiser compensation.
No mysteries. No bait-and-switch. Compare rate ranges from multiple lenders and see what you may qualify for with no impact to your credit score. Your actual rate will be determined by the lender based on your creditworthiness.
Checking rates on OpisFind is 100% free.
Get personalized rates in three simple steps
Share basic information about your loan needs and financial situation
See personalized rates from multiple lenders side by side
Select the best offer and complete your application
Some of the most common personal loan uses are:
A few lenders may approve personal loans for business expenses, but most don't.
Personal loans generally can't be used to pay for the following:
But not all lenders approve loans for all purposes — and you'll need to use the loan for the purpose you declare on your application.
Personal loans are a type of installment loan, which means you receive a lump sum of money upfront and then repay that amount over a set period of time. Payments are typically made monthly and are most often fixed. Unlike credit cards, interest rates on personal loans are also fixed, which means your monthly payments won't change with rising interest rates.
Repayment terms can extend from under 1 year to over 10 years, depending on the lender and loan purpose. But most personal loan terms range from 2 to 7 years.
Loan amounts are typically available between $1,000 and $50,000, depending on the lender and what you can qualify for. But some lenders offer loan amounts up to $250,000.
Annual percentage rates (APRs) on personal loans run from around 6.49% to 35.99%. The rate you get depends largely on your FICO credit score, your income, and your current debt. If you have good or excellent credit, you're most likely to qualify for the best rates. If you have fair or poor credit, the rate you qualify for may be around or over 30%, if you can qualify at all.
Some loans charge upfront fees, called origination fees, which are often deducted from the loan amount. Other fees that may be charged include late fees and insufficient funds fees.
If a lender charges an upfront fee, it's expressed as part of the APR along with the interest rate. Lenders are required by the Truth in Lending Act (TILA) to display APRs instead of interest rates, so that you can better compare overall loan costs. If the lender charges no upfront fees, the interest rate and APR are the same. Fees that are avoidable, like late fees or insufficient funds fees, are not expressed in the loan's APR.
One of the biggest benefits of personal loans is how quickly they can fund relative to other loan types. If approved, most personal loan lenders can disburse funds within a few business days; some can send money as soon as the same day you apply. Applying is often lightning quick, with instant approval decisions possible, especially if you have very good credit.
Whether you want to consolidate debt or cover an unexpected expense, OpisFind makes it easy to find a personal loan that works best for you.
Checking rates on OpisFind is 100% free. We earn money by helping you find the best product — not by selling your data.
We don't get paid to rank products higher, and we don't hide fees. You'll know exactly what your cost breakdown is before selecting a lender.
A personal loan is an unsecured installment loan that provides you with a lump sum of money upfront, which you repay over time with fixed monthly payments. Unlike secured loans, personal loans don't require collateral.
You can get a personal loan by applying through OpisFind's marketplace. Simply fill out one application and receive multiple offers from our partner lenders. Compare rates, terms, and choose the best option for your needs.
Pros: Fixed interest rates, predictable payments, no collateral required, fast funding, and flexible use of funds. Cons: May have origination fees, higher rates for poor credit, and potential prepayment penalties with some lenders.
Compare APRs (not just interest rates), loan terms, monthly payments, total cost, fees, and lender reputation. OpisFind makes this easy by showing you multiple offers side-by-side so you can make an informed decision.
Checking your rate through OpisFind uses a soft credit check, which won't affect your credit score. Once you choose a lender and formally apply, they'll perform a hard inquiry, which may temporarily lower your score by a few points. Making on-time payments can actually improve your credit over time.
Many lenders can approve and fund personal loans within 1-3 business days. Some lenders offer same-day funding if you're approved early in the day. The exact timeline depends on the lender and how quickly you provide required documentation.
A good interest rate depends on your credit score. For excellent credit (720+), rates below 10% are considered good. For good credit (690-719), rates between 10-15% are reasonable. Rates above 20% are generally considered high and should be carefully evaluated.
OpisFind's rating system evaluates lenders based on multiple factors including rates, fees, customer service, and user experience...
OpisFind's team of experts gathers information from lender websites and directly from our partners. We consider partner lenders' statistics over a 12-month period — including average rates, average funding times, and average credit scores for approved applicants. Each data point is verified by a senior editor to make sure it's accurate at the time of publication.
Annual Percentage Rate (APR) refers to the yearly interest generated by a sum that's charged to borrowers, expressed as a percentage representing the actual yearly cost of funds over the loan term. This includes any fees or additional costs associated with the transaction.
OpisFind cannot guarantee any APR since we are not a lender. APR generally ranges from 5.99% up to 35.99%. Loan products typically have a 61-day minimum and 72-month maximum repayment term. Before accepting a loan, carefully review the agreement as APR and terms may differ from what is listed on this site.
OpisFind is not a lender and cannot predict fees and interest rates. Your lender will provide all necessary cost information. You are responsible for reviewing and accepting loan terms. We do not charge for our service, and you are under no obligation to accept any offer.
Missing or late payments can result in additional charges and negatively impact your credit score. OpisFind has no control over loan agreements between you and your lender. Please review your lender's late payment policies carefully.
Lenders may perform credit checks to determine creditworthiness. By submitting your request, you authorize lenders to verify your information and check your credit. Missing payments can negatively impact your credit score.
OpisFind connects borrowers with lenders or lending partners. Specific terms and conditions apply from each lender. We are compensated by lenders for connecting you with them. APR, loan amounts, and other details are estimates only—actual amounts vary by lender and borrower.
Some lenders may perform credit checks as part of approval. The lender you connect with may not offer the best possible terms—compare all options before deciding. You may be connected with a tribal lender whose rates and fees may be higher than state-licensed lenders.
Nothing on this website is an offer or solicitation to lend. OpisFind does not take loan applications, broker loans, or act as any lender's agent.
Every state has its own rules governing personal loan lenders. Your loan amount, APR, and repayment terms will vary based on your creditworthiness, lender location, and their underwriting policies. This service is not available in all states.
OpisFind is an advertising referral service for lenders offering loans between $200 and $5,000. There is no fee to use our services. Your request will be shared with one or more lenders. There is no guarantee you will be connected with a lender or approved for a loan. Lenders may perform credit checks. We receive compensation from lenders for advertising services only. Short-term, small-dollar loans should not be used as a long-term solution to financial hardship.
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This website uses tracking technology to improve user experience and connect you with appropriate lenders. We do not sell your information without consent. California residents have additional rights under CCPA—see our Privacy Policy for details.
