Several major banks offer personal loans with varying terms, amounts, and rates. Here are some of the top banks providing personal loans in 2025:
- Citibank : Considered the best overall large bank for personal loans, Citibank offers loans from $2,000 to $30,000 with APRs ranging from 11.49% to 20.49%. It features no origination fees, several rate discounts (such as 0.50% for autopay), and same-day funding for some borrowers. Applicants need a minimum credit score of 660, and loans have terms from 12 to 60 months
- Wells Fargo : Known for large loan amounts, Wells Fargo offers personal loans from $3,000 up to $100,000 with APRs between 6.99% and 24.49%. It charges no origination fees and can fund loans as quickly as one day. Terms can extend up to 84 months
- PNC Bank : Offers unsecured personal loans from $1,000 to $35,000 with competitive interest rates (11.49% to 20.49% APR). Existing clients can apply online or through a local banker. No origination fees are charged, but approval times may be longer than some competitors. Minimum credit score requirement is 720
- TD Bank : Provides unsecured, fixed-rate personal loans ranging from $2,000 to $50,000 with terms up to 60 months. There are no application or origination fees
- U.S. Bank : Offers loans from $1,000 to $25,000 with APRs from 7.99% to 24.99%. It is noted for flexible repayment terms, including up to 84 months for existing customers, and a 0.50% autopay rate discount. Same-day funding may be available for existing customers
- Santander Bank : Provides loans from $5,000 to $50,000 with APRs between 7.99% and 24.99%. It offers same-day funding upon approval and no origination fees, but operates in fewer states and has fewer branches
- American Express : Available only to pre-approved American Express cardholders, offering loans from $3,500 to $40,000 with APRs from 6.90% to 19.97%. It features quick application approval and funds available in as little as one day, with no origination fees
- Discover : Recommended for debt consolidation, Discover offers loans from $2,500 to $40,000 with APRs ranging from 7.99% to 24.99%, no origination fees, and terms up to 84 months
These banks provide a range of options depending on loan amount, repayment flexibility, and speed of funding. Many have no origination fees and offer rate discounts for autopay or existing customers. Minimum credit score requirements and membership conditions vary by lender
