A personal loan is an installment debt with a fixed interest rate and monthly payment that can be used to finance purchases, consolidate debt or cover emergency expenses. It's typically easier to qualify for a personal loan than it is for a mortgage or auto loan. That's because lenders look at several aspects of your creditworthiness and finances when determining approval, including your income and debt-to-income ratio.

Typically, you must have a FICO(r) score of at least 660 to qualify for a personal loan. But you may be able to find lenders that specialize in working with borrowers with lower scores. If you have a bad credit score, making timely payments and improving your overall financial situation will help raise it so you can qualify for better loan terms in the future.

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To decide on the best personal loan terms, compare multiple lenders and loan offers. Look at interest rates and fees, such as an origination fee, which is typically 1% to 10% of the loan amount. You should also compare the loan amount and repayment term to your budget to ensure you can afford the monthly payments.

If you are unsure of how much to borrow, consider asking for a co-signer to improve your chances of getting approved and possibly receiving a more competitive interest rate. A co-signer is a person with a good credit history who agrees to take responsibility for the loan if you fail to make payments. However, this is a significant commitment and should only be considered if you can comfortably afford the repayments. Also, remember that if you use a co-signer to secure the loan, it will appear on their credit report and could affect their rating.

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Whether you need funds for a planned purchase or debt consolidation, it’s important to compare lenders and loan products before making an application. Consider things like loan terms, interest rates, fees and borrower requirements. A personal loan may be just the solution you need to cover expenses or improve your financial health.

Many traditional banks and credit unions offer personal loans, as well as online lenders that specialize in this type of financing. You can also find lenders that provide a variety of features, such as a flexible loan amount and repayment term or competitive interest rates.

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