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.
1
Simple pre-qual application in less than 1 minute.
2
Choose the offer that best fits your needs.
3
Finalize your loan offer, get approved, and receive funds.
A $30,000 personal loan is a significant amount that can cover major expenses like debt consolidation, home renovations, weddings, or medical procedures. With a larger loan, getting the lowest possible interest rate becomes even more important — even a small rate difference can save you thousands over the life of the loan.
Compare $30,000 personal loan offers from top lenders below.
These lenders offer personal loans of $30,000 or more with competitive rates.
| Lender | APR range | Loan amounts | Loan terms |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 24 to 84 months |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 24 to 84 months |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 36 to 60 months |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 36 to 72 months |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 24 to 60 months |
| LightStream | 7.49% – 25.49% | $5,000 – $100,000 | 24 to 144 months |
At 10% APR with a 60-month term, your monthly payment would be approximately $637. At 8% APR with a 48-month term, it would be about $732. Lower rates and longer terms reduce your monthly payment.
For a $30,000 loan, most lenders prefer a credit score of 660 or higher. Borrowers with 700+ scores will get the best rates. Some lenders like Upgrade accept scores as low as 580 for this amount.
It depends on your credit score, income, and debt-to-income ratio. Lenders want to see that you can comfortably afford the monthly payments. Having stable income and a good credit history significantly improves your chances.
SoFi offers large loans up to $100,000 with no fees of any kind.
LightStream offers same-day funding, no fees, and a Rate Beat program.
Marcus charges no fees — no origination, prepayment, or late fees.
Best Egg has funded over $24 billion in loans with next-day funding.
Prosper is a peer-to-peer lending marketplace with loans from $2,000 to $50,000.
The prime rate forecast for 2026 is one of the most closely watched financial data points of the year — and for good reason. Every
The SBA 7(a) loan is the gold standard of small business financing for a reason. Backed by the U.S. Small Business Administration, these loans offer
If you have a credit card, a mortgage, a personal loan, or any kind of variable-rate debt, the prime rate is quietly shaping how much
Every time the Federal Reserve adjusts interest rates, financial headlines light up with talk about the prime rate. But what does that actually mean for
If you have spent any time reading about interest rates, you have probably seen three terms used almost interchangeably: the prime rate, the federal funds
The prime rate has been the backbone of American consumer lending for the better part of a century. Today it sits at 6.75 percent. In