Top Lenders & Best Picks for You

Best Personal Loans in Columbus, GA

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Reviewed byMorgan Hull
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Updated: December 28, 2023

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MoneyGeek’s Pick for Best Personal Loan Lender in Columbus: Truist

MoneyGeek evaluated the best personal loan providers in Columbus, Georgia, based on loan amount, BBB rating, interest rates, credit score requirements and origination fees.

From the analysis, the best personal loan lender in the city is Truist. If you have a bad credit score, Upstart offers the best personal loan, while Upgrade and Best Egg ranked the best for debt consolidation and home improvement, respectively.

Best Overall Personal Loan Lender in Columbus: Truist

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Best Personal Loan Lender for Bad Credit in Columbus: Upstart

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Best Personal Loan Lender for Good Credit in Columbus: SoFi

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Best Personal Loan Lender for Debt Consolidation: Upgrade

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Best Personal Loan Lender for Home Improvement: Best Egg

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What to Do if You Can’t Get a Personal Loan in Columbus

Lenders may fail to approve your loan due to various reasons. These include a bad credit rating, which is the most common, as well as low income, high debt-to-income ratio and incomplete application information.

If your application is declined, it is important to find out more details from the lender and make any necessary changes to your application. While it is possible to submit your application to a different lender, we recommend that you do not do so until you have improved the factors that caused you to be denied during your first application.

Some short-term loans, such as payday loans, offer a quick way to get funding for your emergencies. However, such loans come with high interest rates and short repayment periods.

Frequently Asked Questions About Personal Loans in Columbus

The best personal loan in Columbus depends on several factors, including your credit score and minimum gross income, among others. MoneyGeek responded to the following frequently asked questions to guide you through your personal loan application journey.

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Our Personal Loan Methodology

We reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking criteria category, we analyzed several factors that are the most important when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

At MoneyGeek, we value you, the consumer, so we also considered each lender’s customer support and business ratings, as well as additional features that could make your experience easier, like prequalification, payment options and mobile apps.

Our selections were made with your best interests in mind. These personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your needs.

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.