Best Personal Loan Brokers 2025
— Comparison updated Jun 2025
- Use our online loan comparison tool
- Compare rates from multiple loan brokers
- Apply for a loan online
All unsecured personal loans through Upstart offer a fixed rate and range between 6.6% - 35.99% APR based on 5-year rates offered in March 2025. The lowest rates are only available to the most qualified applicants. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Navigating the world of personal loans can be overwhelming, but you don't have to do it alone. We're here to simplify your journey to finding the perfect loan.
Ready to find your ideal personal loan? Let's explore the best options available for you today.
| Company | Lowest APR | Highest APR | Loan amount | Loan Term | Accepts Bad Credit | |
|---|---|---|---|---|---|---|
| Credit Clock | 5.99% | 35.99% | $100 – $5,000 | 3 Months – 2 Years | Yes | Explore More |
| LoansUnder36 | 5.99% | 35.99% | $500 – $35,000 | 2 Months – 6 Years | Yes | Explore More |
| LowCreditFinance | 5.99% | 35.99% | $100 – $50,000 | 2 Months – 7 Years | No | Explore More |
| New Silver | 5.99% | 18.00% | $1,000 – $100,000 | 1 Month – 5 Years | No | Explore More |
| PersonalLoans.com | 5.99% | 35.99% | $250 – $35,000 | 3 Months – 6 Years | Yes | Explore More |
| Upstart | 6.70% | 35.99% | $1,000 – $50,000 | Years – 5 Years | No | Explore More |
When choosing a personal loan broker, consider your credit score, desired loan amount, and specific financial needs. Each of these brokers caters to different types of borrowers, so be sure to compare your options carefully before making a decision.
What Are Loan Brokers
A loan broker acts as a go-between you and a lender. A loan broker service can save you time and money. The same way a travel agent will negotiate a deal on your behalf.
Personal loan brokers can assist you in finding a personal loan that is tailored to your needs and financial circumstances.
You apply for a loan through a broker rather than directly with a lender.
The broker will then contact the lenders with whom they are linked as well as explore the market for a loan that is a good fit for you.
Top-Rated Personal Loan Brokers of 2025
Based on our comprehensive research and analysis, here are the top 3 personal loan brokers for 2025.
LoansUnder36
LoansUnder36 specializes in connecting borrowers with lenders offering APRs under 36%, which is considered the threshold for affordable loans.
They work with a network of lenders who may consider factors beyond just credit scores, making them a good option for those with less-than-perfect credit.
Apply NowLowCreditFinance
Low Credit Finance specializes in connecting borrowers with poor credit to lenders willing to work with them. While interest rates can be high, they offer a lifeline to those who might not qualify for loans elsewhere.
It's best suited for emergency expenses or small, short-term borrowing needs.
Apply NowPersonalLoans.com
PersonalLoans.com offers a variety of loan types, including peer-to-peer loans, bank personal loans, and installment loans. This diversity makes it a good option for borrowers who want to explore different loan structures.
They also provide educational resources to help borrowers make informed decisions.
Apply NowPros and Cons of Using Loan Brokers
Before deciding whether to use a loan broker, it's important to understand both the advantages and potential drawbacks. Let's explore the pros and cons to help you make an informed decision:
Pros
Access to Multiple Lenders: Brokers have relationships with numerous lenders, potentially giving you access to a wider range of loan options.
Time-Saving: Brokers can save you time by doing the legwork of comparing different loan offers on your behalf.
Expert Guidance: Experienced brokers can provide valuable insights into loan products and help you navigate complex financial jargon.
Potentially Better Rates: With access to multiple lenders, brokers might be able to secure more competitive interest rates.
Assistance for Unique Situations: Brokers can be particularly helpful if you have unusual circumstances or less-than-perfect credit.
Personalized Service: A good broker will take the time to understand your financial situation and find loans that best suit your needs.
Cons
Potential Fees: Some brokers charge fees for their services, which can increase the overall cost of your loan.
Limited Lender Pool: While brokers work with multiple lenders, they may not cover the entire market, potentially missing some good offers.
Possible Conflicts of Interest: Some brokers may be incentivized to promote loans that offer them higher commissions rather than the best deal for you.
Additional Intermediary: Having a broker as a middleman can sometimes complicate or slow down the loan process.
Privacy Considerations: Working with a broker means sharing your financial information with an additional party.
Varying Levels of Expertise: The quality of service can vary significantly between different brokers.
By weighing these pros and cons and following these tips, you can make an informed decision about whether using a loan broker is the right choice for your financial needs. Remember, the goal is to find the best loan for your situation, whether that's through a broker or direct lender.
Find the Best Loan Brokers With LoanFinder™️ (100% Free)Frequently Asked Questions About Loan Brokers
Does it cost more to use a personal loan broker?
While some brokers may charge a fee, many earn through commissions from lenders. These fees are typically not added to your loan cost or interest rate. Always ask about any potential fees upfront.
Can I get a loan from my current bank through a broker?
If your bank is on the broker's lending panel and offers a competitive program, you might end up borrowing from them. However, brokers aim to find the best value option for you across multiple lenders.
How quickly can I get a loan through a broker?
Loan approval and funding times vary by broker and lender. Some online brokers can facilitate same-day or next-day funding, while others may take a few days to a week.
Can loan brokers help if I have bad credit?
Yes, many brokers specialize in helping borrowers with less-than-perfect credit. They can often find lenders willing to work with various credit profiles and may offer guidance on improving your chances of approval.
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