$249 billion in US personal loan balances.
Source: TransUnion, Q4 2024
High complaint rates almost always mean hidden fees.
Personal Loans Complaint Rates
Personal loan providers ranked by complaint rate. Covers unsecured loans, buy-now-pay-later products and lines of credit.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.
Complaint rates in personal loans often reflect origination practices - misleading APR disclosures and unexpected fee structures are the most common triggers. Read our full methodology →
A high complaint rate on personal loans almost always means one thing: the fees you pay are not the fees you were shown.
When the APR on your statement looks different from what you were quoted, when an origination fee appears that was never disclosed, or when you try to pay off early and discover a prepayment penalty buried in the fine print - your lender's complaint rate predicted this. The worst-rated lenders generate complaints overwhelmingly about one thing: the cost of the loan was not what the borrower expected.
Getting a competing personal loan offer takes under 5 minutes and uses a soft credit pull - no impact on your credit score. If you are already locked into a bad loan, refinancing into a lower rate can save over $1,200 per year on a $20,000 balance.
- ✓Lenders with low complaint rates are 3x more likely to offer rate-lock guarantees
- ✓Checking your rate uses a soft pull - zero credit score impact
- ✓Best-rated lenders offer same-day funding vs 3-5 day waits at complaint-heavy issuers
- ✓Refinancing a high-rate personal loan saves an average of $1,200/yr on a $20k balance
These institutions handle complaints the best in this category. Click any name to see their full profile.
Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing