Citibank is Investopedia’s choice for best large bank personal loan lender because of its competitive APRs, lack of fees, quick funding, and rate discounts. If you’re in a hurry, Citibank can fund your loan as soon as the same day—you’ll just need to be an existing Citibank customer. ⭕If you aren’t already a customer, you will have your funds in as few as two days.

Citibank’s APRs aren't the lowest we found (American Express offered the lowest APRs), but they’re competitive, especially at the upper end of the range. Citibank offers a 0.50% rate discount if you set up autopay. Existing Citigold and Citi Priority customers can shave another 0.25% off the rate.

Citibank ranked third in the J.D. Power 2024 Consumer Lending Satisfaction Study. The study measures customer satisfaction with providers of personal loans.

Citibank was founded in 1812, and today is ranked as the fourth-largest U.S. bank, with total assets exceeding $1.69 trillion. It operates 649 branches in the U.S.

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Discove🔥r’s maximum loan term of $40,000 can help borrowers consolidate several small, higher APR loans into a single personal loan. That’s convenient, and it can help you pay off your debt sooner and for less money. Discover makes this consolidation easy by paying your other creditors directly when it funds your loan. 

Discover ranked second in the J.D. Power 2024 U.S. Consumer Lending Study, which measures customer satisfaction with personal loan lenders.

Founded in 1986 as a credit card issuer affiliated with Sears stores, Discover Financial Services has grown into a provider of credit cards as well as loans, bank accounts, and other financial products. Discover Bank (part of Discover Financial Services) had over $145 billion in assets.

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Santander Bank can fund ൩your loan the same day it is approved. There are no origination fees, and you can borrow up t♕o $50,000. The bank also offers loan pre-qualification if you want to shop around.

One negative is the bank’s s🤡mall footprint in the U.S. Santander operates in 29 states and has just 74 branches.

Santander Bank is based in Spain, and its roots date back to the 1850s. Queen Isabella II of Spain authorized the creation of Banco Santander to promote trade between northern Spain’s Port of Santander and Latin America. With over $104.5 billion in assets, Santander ranked as the 28th largest U.S. bank as of March 31, 2025.

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If you’ve been a Wells Fargo customer for at least 12 months, you can borrow up to $100,000 and take up to 84 months to repay it. Loans of that size can cover significant home improvements or the purchase of a boat or RV (although you have secured options for boat and R꧅V loans💞 that might be cheaper).

Wells Fargo charges a fee for late payments—many lenders do not. In addition, it received an average score in the J.D. Power 2024 Consumer Lending Satisfaction Study. The study evaluates customer satisfactio🃏n with banks that provide personal loans.

Henry Wells and William G. Fargo started their bank in 1852. Since then, Wells Fargo has evolved into a financial services giant. As of March 31, 2025, it ranked as the fourth largest bank in the U.S. based on total assets of nearly $1.7 trillion.

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If you’re in the market for a personal loan with a longer repayment term (or a shorter one), U.S. Bank may be worth a look. Existing customers can 澳洲幸运5官方开奖结果体彩网:take out a personal loan with a payoff per🐠iod of up to 84 months (seven years), which is longer than just a handful of competitors. U.S. Bank also offers a 0.50% rate disco꧃unt with autopay. If you have an account already, you may get your funds the same day you apply.

If you aren’t a customer, you can borrow up to $25,000 and have up to 60 months to repay your loan. U.S. Bank ranked fifth in the J.D. Power 2024 U.S. Consumer Lending Study, which measures customer satisfaction with personal loan lenders.

U.S. Bank is the country's fifth largest bank and dates back to 1863 when it began as First National Bank of Cincinnati. It is headquartered in Minneapolis.

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If you’re an American Express cardholder, Amex may be your best option for a personal loan. APRs are low, and loans may be funded in as little as one day. Another plus is that American Express ranked first in the J.D. Power 2024 Consumer Lending Satisfaction Study, which evaluates borrower opinions about banks that provide personal loans.

Loans from American Express have some downsides to consider. Amex personal loans are restricted to pre-approved cardholders, don’t allow co-signers or co-applicants, and Amex operates fewer than 70 bank branc༺hes if yo🍬u are looking for face-to-face borrowing.

American Express began in 1850 as a freight forwarding company. A century later, the company launched its first credit card. As of March 31, 2024, it ranked among the country’s 25 largest banks, with assets exceeding $203 billion.

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