How Personal Loans Affect Your Credit Score
March 20, 2026
A personal loan affects your credit score at three distinct stages: the application (hard inquiry, typically –5 to –10 FICO points), the new account opening
Shop and Compare Loans & Credit Card Rates
Find the right offer for you in just minutes!
Personal Loans
PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
Apply in Minutes
Simple pre-qual application in less than 1 minute.
Select your loan offer
Choose the offer that best fits your needs.
Receive funds quickly
Finalize your loan offer, get approved, and receive funds in at little as one business day.
Featured Articles
Personal Loan Fees Explained: Origination Fees, Late Fees, and How to Avoid Them
March 20, 2026
The most common personal loan fee is the origination fee, which ranges from 1% to 10% of your loan amount and gets deducted before you
Personal Loan vs. Credit Card: Which Is Better for Your Situation?
March 20, 2026
A personal loan is the cheaper choice for borrowing $3,000 or more when you need longer than 60 days to repay — the average personal
How to Prequalify for a Personal Loan Without Hurting Your Credit
March 20, 2026
You can prequalify for a personal loan in under five minutes at most online lenders — SoFi, Upstart, Prosper, Best Egg, and Upgrade all let
What Debt-to-Income Ratio Do You Need for a Personal Loan?
March 20, 2026
Most personal loan lenders approve borrowers with a debt-to-income ratio (DTI) under 50%, though the best rates and terms go to applicants below 36%. SoFi,
Prime Rate Forecast 2026: Where Rates Are Headed After Fed Cuts
March 9, 2026
The prime rate forecast for 2026 is one of the most closely watched financial data points of the year — and for good reason. Every
Credit Cards
Whether you’re just starting out with no credit, bad credit, rebuilding credit, have fair credit, or looking for the card that earns better rewards, finding the right card can be a challenge. We’ve partnered with leading card issuers to make it easy to compare credit card rates and benefits all in one place such as Visa and Mastercard. And we do our best to keep our information accurate and up to date.
What does PrimeRates do?
Comparing rates and fees on loans and credit cards can be frustrating. How can you be sure you’ll get the rate, payments, or terms are shown? PrimeRates is changing that. We’ll help you prequalify with our lender partners, ensuring that the rates you see are the rates you’re more likely to get.
- Personal Loans
- Business Loans
- Credit Cards
- Home Equity Loans
- Debt Consolidation Loans
- Home Improvement Loans
- Auto Repair Loans
- Medical Loans