Category
Clear-eyed coverage of personal-loan lenders on APR ranges, origination fees, and repayment terms drawn from official disclosures.
Personal Loans
A personal loan is a fixed rate installment loan, usually unsecured, that you repay in equal monthly payments over a set term. The two numbers that matter most are the APR, which includes any origination fee, and the fee itself, because an origination fee is often taken out of the loan before you receive it.
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Wells Fargo personal loans have fixed APRs from 6.74% to 26.74%, including a 0.25% relationship discount, amounts from $3,000 to $100,000 and terms of 12 to 84 months, with no origination fee (as of 2026-10-02). They are only available to existing Wells Fargo customers. Rates change; check Wells Fargo's page.
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Discover Personal Loans charge no fees of any kind and lend $2,500 to $40,000 over 36 to 84 months (as of 2026-10-02). Discover's comparison table shows an APR range of 6.99% to 24.99%, but the main rate text displayed placeholders when we checked, so confirm your rate with Discover.
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Happen Bank, the lender behind the lendingclub.com personal loan page, offers APRs of 5.96% to 35.96%, an origination or processing fee of 0.00% to 8.00%, and loans of $1,000 to $75,000 over 24 to 84 months (as of 2026-10-02). Rates and fees depend on credit; check Happen's official page.
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Upgrade personal loans have APRs of 7.74% to 35.99% and an origination fee of 1.85% to 9.99% taken from the proceeds, with loans of $1,000 to $50,000 over 24 to 84 months (as of 2026-10-02). Upgrade is not a bank; loans come from its bank partners. Check Upgrade's page for current terms.
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Coverage coming soon
Our personal loans rankings and analysis are in progress. Check back shortly.