A personal loan may be taken out for a variety of reasons, including emergency costs, home improvements, and debt consolidation.

It's unlikely that active-duty and retired members of the U.S. armed forces with less-than-perfect credit will find a better personal loan than what Navy Federal Credit Union can offer.

For those in need of an emergency loan, Rocket Loan may be a suitable alternative. Borrowers who sign loan documents before 1 p.m. EST Monday through Friday frequently obtain same-day money.

LendingClub will take two borrowers' income and credit scores into account to increase the likelihood of approval and get a lower APR.

Many Happy Loan borrowers pay a 5% or less loan origination fee, with some paying no fee at all — and no one pays an application fee with Happy Money.

A short credit history can make it just as difficult to get approved for a personal loan as bad credit, but Upgrade appears to be more willing to lend to new credit borrowers than other lenders.

Many personal loan lenders offer quick approvals, but LendingPoint can provide an answer to most lenders within seconds of submitting the initial application.

OneMain Financial makes it simple for borrowers to select a repayment schedule that fits their budget by providing 24, 36, 48, and 60-month repayment options.