Grace Enfield, Content Writer
@grace_enfield
The safest way to get a personal loan is to compare offers from reputable, well-reviewed banks, credit unions and online lenders before applying online for the loan with the best terms. Trustworthy lenders will be accredited and highly rated by the BBB, insured by the FDIC or NCUA, and rated well by WalletHub’s editors. Alternatively, you could get a loan from a trusted friend or family member.
The companies listed below have a good BBB rating, are insured by the FDIC or the NCUA, and have good terms. These companies also receive good reviews from WalletHub’s editors.
Safe Companies to Get a Personal Loan From
| Lender | Type of Lender | APRs | Loan Amounts |
| Bank | 6.98% - 19.98% | $3,500 - $40,000 | |
| Bank | 6.99% - 24.99% | $2,500 - $40,000 | |
| U.S. Bank | Bank | 8.74% - 21.24% | $1,000 - $50,000 |
| Credit union | 7.49% - 18% | $250 - $50,000 | |
| Credit union | 7.74% - 17.99% | $500 - $50,000 | |
| Online lender | 8.99% - 35.99% | $2,000 - $50,000 | |
| Online lender | 7.99% - 29.99% | $5,000 - $50,000 | |
| Online lender | 7.99% - 25.99% | $5,000 - $100,000 | |
| Online lender | 8.99% - 25.81% | $5,000 - $100,000 | |
| Online lender | 6.99% - 24.99% | $3,500 - $40,000 |
You can find more top-ranked offers among WalletHub’s picks for the best personal loans overall. Then, you can estimate your rates with our free pre-qualification tool.
Finally, it’s important to remember that safely getting a personal loan isn’t solely about the lender you borrow from. You also need to make sure that you can afford the loan, that you pay the bills on time every month, and that you put the money to good use. You don’t want to be in a worse situation financially after the loan than prior to getting it.
Compare Personal Loan Offers
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What is the easiest bank to get a personal loan from?
The easiest banks to get a personal loan from are USAA and Wells Fargo. USAA does not disclose a minimum credit score requirement, but their website indicates that they consider people with scores below the fair credit range (below 640). So even people with bad credit may be able to qualify.
Wells Fargo normally requires a credit score of 660 for their unsecured personal loans. However, they also offer secured personal loans that are...
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