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.
Long term personal loans offer extended repayment periods of 60 to 144 months, resulting in lower monthly payments. While you’ll pay more in total interest over the life of the loan, the reduced monthly obligation can make a significant difference for your budget.
These are the best lenders offering long term personal loans with competitive rates.
These lenders offer some of the longest repayment terms available for personal loans.
| Lender | Max term | APR range | Max loan |
| LightStream | 144 months | 7.49% – 25.49% | $100,000 |
| SoFi | 84 months | 7.99% – 29.99% | $100,000 |
| Upgrade | 84 months | 6.94% – 35.97% | $50,000 |
| Marcus | 72 months | 6.99% – 24.99% | $40,000 |
| LendingPoint | 72 months | 7.99% – 35.99% | $36,500 |
LightStream offers the longest terms at up to 144 months (12 years). SoFi and Upgrade offer terms up to 84 months (7 years). Most lenders cap at 60 months.
They’re good for lowering monthly payments, but you’ll pay more total interest. Use long terms when you need affordable payments, but try to make extra payments when possible to reduce total cost.
LightStream, a division of Truist Bank, offers loans up to $100,000 with no fees whatsoever. Same-day funding is available, and they offer a Rate Beat program where they’ll beat any qualifying rate by 0.10%.
SoFi offers some of the largest personal loan amounts available, up to $100,000. SoFi charges no origination fees, no prepayment penalties, and no late fees. Members get access to financial planning, career coaching, and unemployment protection that pauses payments if you lose your job.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Reports to all three credit bureaus, helping build credit with on-time payments. Funds typically deposited within one business day.
Marcus charges no fees — no origination fees, no prepayment penalties, and no late fees. Backed by Goldman Sachs, Marcus offers competitive rates and flexible payment terms from 36 to 72 months.
LendingPoint looks at your complete financial picture, not just your credit score. Reports to all three credit bureaus to help you build credit over time.
Getting pre-approved for an auto loan before you visit the dealership is one of the smartest moves you can make as a car buyer. Pre-approval
Personal loans are one of the most flexible ways to borrow money. You can use the funds for debt consolidation, home repairs, medical bills, or
Finding the right credit card can save you hundreds of dollars a year in fees and earn you cash back, points, or travel miles on
Compare the best debt consolidation loans of 2026. Find low rates, learn how consolidation works, and get tips for paying off credit card debt faster.
If you want to buy a new car, used vehicle, truck, or motorcycle, the auto loan rates you get can save or cost you thousands.
If you are carrying balances on multiple credit cards or loans, keeping track of due dates, interest rates, and minimum payments can feel overwhelming. Debt