Top 10 Best Unsecured Loans in 2025

1. SoFi: Best for Large Loan Amounts

SoFi offers some of the best unsecured personal loans for those who need a substantial amount of funding. Whether you’re consolidating debt, making home improvements, or covering a major expense, SoFi allows borrowers to access loan amounts up to $100,000 with competitive interest rates. The loan terms range from 2 to 7 years, and one of the standout features is the option for unemployment protection, which can offer peace of mind during uncertain times.

Pros:

• Loan amounts up to $100,000
• Flexible repayment terms
• Unemployment protection

Cons:

• Requires good credit
• No co-signer option

2. Marcus by Goldman Sachs: Best for Low-Interest Rates

Marcus by Goldman Sachs is known for offering some of the lowest interest rates available for best unsecured personal loans. With fixed-rate options, borrowers can enjoy predictability in their monthly payments. Marcus does not charge any fees for origination, late payments, or prepayments, which is a huge benefit for those looking to save on extra costs.

Pros:

• Low-interest rates
• No fees
• Fixed-rate terms

Cons:

• Loan amounts are capped at $40,000
• Requires a good credit score for the best rates

3. Upstart: Best for Bad Credit Borrowers

Upstart is an excellent option for individuals with less-than-perfect credit. Upstart uses artificial intelligence to assess a borrower’s creditworthiness beyond just the credit score, considering factors like employment history and education. This allows people with limited credit history or lower scores to secure favorable loan terms.

Pros:

• Accessible to borrowers with bad credit
• Fast approval process
• Loan amounts up to $50,000

Cons:

• Higher interest rates for low-credit borrowers
• Not available in all states

4. LightStream: Best for Excellent Credit

LightStream offers some of the most competitive interest rates available for those with excellent credit scores. If you have a strong credit history, you can qualify for low APRs with best unsecured personal loans and enjoy flexible loan terms ranging from 24 months to 144 months. LightStream also offers a “Rate Beat” program where they will beat any competitor's rate by 0.10%.

Pros:

• Best rates for excellent credit
• Large loan amounts (up to $100,000)
• Flexible repayment terms

Cons:

• Requires excellent credit for the best rates
• No co-signer option

5. Avant: Best for Fast Approval and Funding

Avant is known for fast approval and funding, making it an ideal choice for borrowers who need quick access to cash. Avant offers loan amounts up to $35,000 with a quick and easy application process. Borrowers can get their funds in as little as one business day, which is a huge advantage when you need money fast.

Pros:

• Quick approval and funding
• Easy online application
• Loan amounts up to $35,000

Cons:

• Higher interest rates for lower credit scores
• Limited loan amount

6. LendingClub: Best for Peer-to-Peer Lending

LendingClub is a peer-to-peer lending platform that connects borrowers with individual investors. With best unsecured personal loans, borrowers can apply for loans ranging from $1,000 to $40,000. LendingClub offers competitive interest rates and provides the benefit of flexibility, allowing you to choose from a range of repayment terms.

Pros:

• Peer-to-peer lending platform
• Competitive interest rates
• Flexible loan amounts and terms

Cons:

• Requires a credit score of at least 600
• Fees can apply

7. OneMain Financial: Best for Low-Income Borrowers

OneMain Financial offers unsecured personal loans to individuals with varying credit scores, including those with lower incomes. This lender is known for offering personalized service and for having flexible eligibility requirements. OneMain also provides in-person loan options in many locations, which can be ideal for those who prefer face-to-face interactions.

Pros:

• Flexible eligibility requirements
• In-person loan application options
• Loan amounts up to $20,000

Cons:

• Higher interest rates for low-credit borrowers
• Limited to specific regions

8. Best Egg: Best for Debt Consolidation

Best Egg offers unsecured personal loans specifically designed for debt consolidation. With loan amounts up to $50,000, Best Egg allows borrowers to consolidate credit card balances, medical bills, and other unsecured debt into a single loan with a fixed monthly payment. Their fast approval process makes it easier for borrowers to get their finances back on track.

Pros:

• Ideal for debt consolidation
• Quick approval process
• Competitive interest rates

Cons:

• Requires good credit for the best rates
• Loan amounts capped at $50,000

9. Payoff: Best for Credit Card Consolidation

Payoff specializes in helping individuals consolidate high-interest credit card debt into one manageable loan. The loan amounts range from $5,000 to $40,000, with flexible terms and competitive interest rates. Payoff offers a unique approach by focusing on improving your credit score and financial health.

Pros:

• Designed for credit card consolidation
• Fixed interest rates
• Focus on improving financial health

Cons:

• Requires a minimum credit score of 640
• Loan amounts are capped at $40,000

10. Prosper: Best for Customizable Terms

Prosper offers unsecured personal loans with a wide range of customizable terms. Whether you need a small loan for personal expenses or a larger amount for home improvements, Prosper allows you to choose your loan amount and repayment period. The platform’s peer-to-peer structure means you get competitive rates and flexible options.

Pros:

• Customizable loan terms
• Competitive interest rates
• Loan amounts up to $40,000

Cons:

• Requires a minimum credit score of 640
• Loan fees may apply

Conclusion

Choosing the best unsecured personal loans for your needs depends on several factors, including your credit score, the amount you need to borrow, and how quickly you need the funds. With this comprehensive list, we hope you now have a clearer idea of the top 10 best unsecured personal loans in 2025. Whether you're looking for low-interest rates, fast funding, or flexible loan amounts, there’s an option that suits every financial situation. Be sure to compare rates, terms, and fees before making your decision.

Loan Comparison Chart

By reviewing each lender’s offerings, you can find the best unsecured personal loan that suits your unique financial needs.