Which Banks Offer Personal Loans in 2025?

Many banks offer personal loans, including LightStream, American Express, Discover, and Citibank.

Let’s look at some details of the personal loans each of these banks provides as of March 2025.

Wells Fargo is one of the best banks for personal loans in 2025. They offer repayment terms of up to 84 months, same-day funding, and APR rates as low as 5.74%.

LightStream is the online lending arm of Truist Bank and they offer a wide range of loan amounts, repayment terms, and low or no fees. You can borrow up to $100,000 with a maximum APR of 2.49%.

American Express is seen as the best bank for personal loans by many and offers their lenders personal loans based on their creditworthiness.

American Express offers a pre-qualification option, low APR rates for people with excellent credit, and the ability to use your American Express personal loan for credit card debt consolidation.

With Discover personal loans you can get same-day approval from one of the largest online banks in the U.S. Their APR range is between 5.99% and 24.99% and they offer personal loans up to $35,000.

You may also consider Citibank, which is present in more than 100 countries. Citibank personal loans are available to existing customers, and joint applications are accepted. APRs range from 6.99% to 23.99%, with a maximum loan amount of $30,000.

💡 Tip: To discover more banks offering personal loans, compare lenders using our trusted loan comparison platform, LoanFinder™️!