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Easiest personal loans to get

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Personal Loan
There are a few personal loan options that may be easier to get approved for than others.

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Borrowing money can be challenging amid today’s elevated interest rates, which have made it more expensive to finance a home, car and everyday purchases. Persistent inflation has kept interest rates high over the past couple of years, with prices rising nearly 17% from 2021 to 2023.

Fortunately, inflation is beginning to cool, and interest rates are starting to drop on various loans, including personal loans. These loans provide a large lump-sum payment you can use to consolidate debt, improve your home or for nearly any other purpose. Personal loans typically come with lower interest rates than other credit options, like credit cards, and also carry fixed interest rates and monthly payments that make it easy to budget.

Like other loans, qualifying for a personal loan may depend on your credit, income and a host of other factors. If you’re looking for a personal loan you qualify for, it’s important to know where to start and what objectives you aim to achieve. Here are our picks for the best personal loans for different scenarios.

Start comparing your top personal loan options online now.

Easiest personal loans to get

To help you get started, we’ve listed some easiest personal loans to get, broken down into six categories.

Best overall: SoFi

SoFi is our choice for the best overall personal loan lender because of its solid mix of valuable features. It provides loans big and small up to $100,000 with fixed repayment terms ranging from two to seven years. Loans come with low interest rates between 8.99% and 29.99% (including rate discounts). 

SoFi also checks the no fees box, with no origination or late fees and no penalty for paying off your loan early. SoFi personal loans could also be a good option if you need fast funding. The lender claims 82% of typical SoFi personal loan applications signed before 7 p.m. EST on a business day were funded the same day. You could also have SoFi pay your credit card lenders for you and receive a 0.25% discount.

Learn more about SoFi personal loans here.

Best for good credit borrowers: LightStream

LightStream transparently states on its website it only approves “good-to-excellent credit profiles.” According to FICO credit score ranges, the “good” credit score range begins at 670, so your credit score should generally be at least that or higher to qualify. Of course, higher credit scores improve your approval odds and chances of receiving the best interest rates.

LightStream’s APR on personal loans starts at 8.49%, which includes a 0.50% discount if you enroll in automatic payments before the funding of your loan. Personal loan amounts range from $5,000 to $100,000.

Learn more about LightStream personal loans here.

Best for bad or low credit borrowers: Upstart

If you’re looking for a personal loan but your credit score is less than ideal, you might consider a personal loan from Upstart. The online lender claims its model differs from the traditional one by considering education, employment and other factors in addition to credit to determine your eligibility.

You may qualify for a loan between $1,000 and $50,000 with a fixed rate ranging from 7.8% to 35.99 APR. Your payment will remain the same during your three- or five-year repayment term, and you can pay off your loan early without incurring a prepayment penalty. 

Best for low rates: Discover

Discover Bank offers personal loans with competitive rates ranging from 7.99% to 24.99% on loans between $2,500 and $40,000. Use the funds to consolidate debt, renovate your home or for virtually any other purpose and pay back the funds in terms from three to seven years.

Be careful when comparing lender rates on personal loans, as many offset low APRs with high fees. However, Discover personal loans don’t charge upfront fees as long as you submit your payments on time. If approved, Discover may fund your loan as soon as the next business day. 

Best for low or no fees: PenFed

While low rates are a prime consideration for any loan, so too are low or no fees. Consider that many personal loans include an origination fee ranging from 1% to 5% of the loan amount. That means a $20,000 personal loan with a 5% origination fee would cost you $1,000 in addition to your interest charges.

PenFed personal loans have no such origination fees, helping you save money upfront. You also won’t incur a prepayment penalty if you pay off your loan before its term ends. Loan rates start at 8.99% on loans up to $50,000 with next-day funding available. It’s worth noting, PenFed has a 4.2 TrustPilot rating with nearly 1,500 reviews.

Best for fast funding: U.S. Bank

U.S. Bank offers unsecured personal loans with a strong balance of competitive rates — which start at 8.74% — and valuable features. This includes fast funding, often within one business day of approval, but it could take up to four days depending on your circumstances.

If you want a personal loan from U.S. Bank, opening one of the bank’s checking or savings account first could be wise, as existing customers may qualify for larger loan amounts and longer repayment terms. Loan amounts range from $1,000 to $50,000 (or $25,000 if you’re not an existing account holder). Similarly, you can choose a loan term from one to seven years (maximum five-year term for non-customers). U.S. Bank doesn’t charge an origination fee or prepayment penalty on its personal loans.

The bottom line

Personal loans can be valuable tools to access cash for a wide variety of purposes, but other affordable lending options may be worth considering. If you want to consolidate debt, a 0% introductory APR balance transfer credit card can help you pay down debt interest-free for a period of up to 21 months. Bear in mind that this option includes a balance transfer fee — usually 3% or 5% of the transfer amount. Home equity loans and HELOCs can also help you tap into your home’s equity for cash at lower interest rates. Be aware, however, that these mortgage options require you to secure the loan with your home, meaning you could be putting it at risk if you default.



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CIA officer who drugged, photographed and sexually assaulted dozens of women gets 30 years in prison as victims stare him down

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A longtime CIA officer who drugged, photographed and sexually assaulted more than two dozen women in postings around the world was sentenced to 30 years in federal prison Wednesday after an emotional hearing in which victims described being deceived by a man who appeared kind, educated and part of an agency “that is supposed to protect the world from evil.”

Brian Jeffrey Raymond, with a graying beard and orange prison jumpsuit, sat dejectedly as he heard his punishment for one of the most egregious misconduct cases in the CIA’s history. It was chronicled in his own library of more than 500 images that showed him in some cases straddling and groping his nude, unconscious victims.

“It’s safe to say he’s a sexual predator,” U.S. Senior Judge Colleen Kollar-Kotelly said in imposing the full sentence prosecutors had requested. “You are going to have a period of time to think about this.”

Prosecutors say the 48-year-old Raymond’s assaults date to 2006 and tracked his career in Mexico, Peru and other countries, all following a similar pattern.

He would lure women he met on Tinder and other dating apps to his government-leased apartment and drug them while serving wine and snacks. Once they were unconscious, he spent hours posing their naked bodies before photographing and assaulting them. He opened their eyelids at times and stuck his fingers in their mouths.

raymond-high-2-e1635190292893-625x600.jpg
  Brian Jeffrey Raymond

U.S. Embassy and Consulates in Mexico


One by one, about a dozen of Raymond’s victims who were identified only by numbers in court recounted how the longtime spy upended their lives. Some said they only learned what happened after the FBI showed them the photos of being assaulted while unconscious.

“My body looks like a corpse on his bed,” one victim said of the photos. “Now I have these nightmares of seeing myself dead.”

One described suffering a nervous breakdown. Another spoke of a recurring trance that caused her to run red lights while driving. Many told how their confidence and trust in others had been shattered forever.

“I hope he is haunted by the consequences of his actions for the rest of his life,” said one of the women, who like others stared Raymond down as they walked away from the podium.

Reading from a statement, Raymond told the judge that he has spent countless hours contemplating his “downward spiral.”

“It betrayed everything I stand for and I know no apology will ever be enough,” he said. “There are no words to describe how sorry I am. That’s not who I am and yet it’s who I became.”

In October 2021, the FBI issued a notice to the public, seeking other potential victims of and additional information about Raymond, saying that some women depicted in the incriminating photos and videos remain unidentified.

In a statement Wednesday, authorities praised all the victims who came forward.

“The FBI thanks the brave women who shared information that furthered this investigation,” said

FBI Assistant Director in Charge David Sundberg of the Washington Field Office. “We recognize our domestic and foreign law enforcement partners who helped bring Raymond to justice for his reprehensible crimes.”

Raymond’s sentencing comes amid a reckoning on sexual misconduct at the CIA. The Associated Press reported last week that another veteran CIA officer faces state charges in Virginia for allegedly reaching up a co-worker’s skirt and forcibly kissing her during a drunken party in the office.

Still another former CIA employee – an officer trainee – is scheduled to face a jury trial next month on charges he assaulted a woman with a scarf in a stairwell at the agency’s Langley, Virginia, headquarters. That case emboldened some two dozen women to come forward to authorities and Congress with accounts of their own of sexual assaults, unwanted touching and what they contend are the CIA’s efforts to silence them.

And yet the full extent of sexual misconduct at the CIA remains a classified secret in the name of national security, including a recent 648-page internal watchdog report that found systemic shortcomings in the agency’s handling of such complaints.

“The classified nature of the activities allowed the agency to hide a lot of things,” said Liza Mundy, author of “Sisterhood: The Secret History of Women at the CIA.” The male-dominated agency, she said, has long been a refuge for egregious sexual misconduct. “For decades, men at the top had free rein.”

CIA has publicly condemned Raymond’s crimes and implemented sweeping reforms intended to keep women safe, streamline claims and more quickly discipline offenders.

Last year, the CIA announced the appointment of Dr. Taleeta Jackson, a seasoned psychologist who previously led the Sexual Assault Prevention Program at the U.S. Navy, as the new head of a dedicated sexual assault and prevention office at CIA.

“There is absolutely no excuse for Mr. Raymond’s reprehensible, appalling behavior,” the agency said Wednesday. “As this case shows, we are committed to engaging with law enforcement.”

But a veil of secrecy still surrounds the Raymond case nearly four years after his arrest. Even after Raymond pleaded guilty late last year, prosecutors have tiptoed around the exact nature of his work and declined to disclose a complete list of the countries where he assaulted women.

Still, they offered an unbridled account of Raymond’s conduct, describing him as a “serial offender” whose assaults increased over time and become “almost frenetic” during his final CIA posting in Mexico City, where he was discovered in 2020 after a naked woman screamed for help from his apartment balcony.

U.S. officials scoured Raymond’s electronic devices and began identifying the victims he had listed by name and physical characteristics, all of whom described experiencing some form of memory loss during their time with him.

One victim said Raymond seemed like a “perfect gentleman” when they met in Mexico in 2020, recalling only that they kissed. Unbeknownst to the woman, after she blacked out, he took 35 videos and close-up photos of her breasts and genitals.

“The defendant’s manipulation often resulted in women blaming themselves for losing consciousness, feeling ashamed, and apologizing to the defendant,” prosecutors wrote in a court filing. “He was more than willing to gaslight the women, often suggesting that the women drank too much and that, despite their instincts to the contrary, nothing had happened.”

Raymond, a San Diego native and former White House intern who is fluent in Spanish and Mandarin, ultimately pleaded guilty to four of 25 federal counts including sexual abuse, coercion and transportation of obscene material. As part of his sentence, the judge ordered him to pay $10,000 to each of his 28 victims.

Raymond’s attorneys had sought leniency, contending his “quasi-military” work at the CIA in the years following 9/11 became a breeding ground for the emotional callousness and “objectification of other people” that enabled his years of preying upon women.

“While he was working tirelessly at his government job, he ignored his own need for help, and over time he began to isolate himself, detach himself from human feelings and become emotionally numb,” defense attorney Howard Katzoff wrote in a court filing.

“He was an invaluable government worker, but it took its toll on him and sent him down a dark path.”



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Python squeezes Thai woman in her kitchen for 2 hours before she’s rescued by police

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Bangkok — A 64-year-old woman was preparing to do her evening dishes at her home outside Bangkok when she felt a sharp pain in her thigh and looked down to see a huge python taking hold of her.

“I was about to scoop some water and when I sat down it bit me immediately,” Arom Arunroj told Thailand’s Thairath newspaper. “When I looked I saw the snake wrapping around me.”

The 13-to-16-foot-long python coiled itself around her torso, squeezing her down to the floor of her kitchen.

“I grabbed it by the head, but it wouldn’t release me,” she said. “It only tightened.”

Thailand Snake Attack
A photo provided by Kunyakit Thanawtchaikun shows a python coiled around the torso of Arom Arunro, squeezing her down to the floor of her kitchen in Samut Prakan province, Thailand, Sept. 17, 2024.

Kunyakit Thanawtchaikun/AP


Pythons are non-venomous constrictors, which kill their prey by gradually squeezing the breath out of it.

Propped up against her kitchen door, she cried for help but it wasn’t until a neighbor happened to be walking by about an hour and a half later and heard her screams that authorities were called.

Responding police officer Anusorn Wongmalee told The Associated Press on Thursday that when he arrived the woman was still leaning against her door, looking exhausted and pale, with the snake coiled around her.

Police and animal control officers used a crowbar to hit the snake on the head until it released its grip and slithered away before it could be captured.

In all, Arom spent about two hours on Tuesday night in the clutches of the python before being freed.

She was treated for several bites but appeared to be otherwise unharmed in videos of her talking to Thai media shortly after the incident.

Encounters with snakes are not uncommon in Thailand, and last year 26 people were killed by venomous snake bites, according to government statistics. A total of 12,000 people were treated for venomous bites by snakes and other animals 2023.

The reticulated python is the largest snake found in Thailand and usually ranges in size from 5 to 21 feet, weighing up to about 165 pounds. They have been found as big as 33 feet long and 287 pounds.

Smaller pythons feed on small mammals such as rats, but larger snakes switch to prey such as pigs, deer and even domestic dogs and cats. Attacks on humans are not common, though do happen occasionally.

There have also been fatal attacks in Indonesia, where a woman was found inside the belly of a reticulated python that swallowed her whole in June — the fifth person to be devoured by one of the snakes in the country since 2017.



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After Tyre Nichols’ fatal beating, Memphis officer texted photo of bloodied man to ex-girlfriend, she testifies

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A former Memphis police officer charged in the fatal beating of Tyre Nichols sent his ex-girlfriend a photo of the badly injured man on the night he was punched, kicked and hit with a police baton following a traffic stop, according to trial testimony Wednesday.

Brittany Leake, a Memphis officer and Demetrius Haley’s former girlfriend, testified during the criminal trial that she was on the phone with Haley when officers pulled Nichols over for a traffic stop. She said she heard a “commotion,” including verbal orders for someone to give officers his hands.

The call ended, but Haley later texted the photo in a group chat comprising Haley, Leake and her godsister, she testified. Prosecutors displayed the photo for the jury. It showed Nichols with his eyes closed, on the ground with what appeared to be blood near his mouth and his hands behind his back.

Leake said that when she saw the photo, her reaction was: “Oh my God, he definitely needs to go to the Med.”

The Med is shorthand for Memphis’ trauma hospital.

The fatal beating, caught on police bodycams and street surveillance cameras, has sparked protests and calls for police reform. Officers said they pulled over Nichols for reckless driving, but Memphis’ police chief said there was no evidence to substantiate that claim.

Haley, Tadarrius Bean and Justin Smith are on trial after pleading not guilty to charges that they deprived Nichols of his civil rights through excessive force and failure to intervene, and obstructed justice through witness tampering. Their trial began Sept. 9 and is expected to run three to four weeks. 

Tyre Nichols
Former Memphis police officer Demetrius Haley arrives at the federal courthouse for the second day of jury selection for the trial in the Tyre Nichols case Tuesday, Sept. 10, 2024, in Memphis, Tenn.

George Walker IV / AP


The Memphis Police Department fired the three men, along with Emmitt Martin III and Desmond Mills Jr., after Nichols’ death. The beating was caught on police video, which was released publicly. The officers were later indicted on the federal charges. Martin and Mills have taken plea deals.

During her testimony Wednesday, Leake said she deleted the photo after she saw it and that sending such a photo is against police policy.

“I wasn’t offended, but it was difficult to look at,” she said.

Leake said Haley had sent her photos before of drugs, and of a person who had been injured in a car accident.

Earlier Wednesday, Martin was on the witness stand for a third day. Defense attorneys tried to show inconsistencies between Martin’s statements to investigators and his court testimony. Martin acknowledged lying about what happened to Memphis Police Department internal investigators, to try to cover up and “justify what I did.”

But Martin said he told the truth to FBI investigators after he pleaded guilty in August, including statements about feeling pressure on his duty belt where his gun was located during the traffic stop, but not being able to see if Nichols was trying to get his gun. Martin has testified that he said “let go of my gun” during the traffic stop.

Martin Zummach, the attorney for Justin Smith, asked Martin if he knew of any reasons why Nichols did not simply say, “I give up.”

“He’s out of it,” Martin said. “Disoriented.”

Martin testified that the situation escalated quickly when Haley pulled his gun and violently yanked Nichols from his car, using expletives and failing to tell Nichols why he had been pulled over and removed from the vehicle.

“He never got a chance to comply,” Martin said.

Nichols, who was Black, was pepper sprayed and hit with a stun gun during the traffic stop, but ran away, police video shows. The five officers, who also are Black, then beat him about a block from his home, as he called out for his mother.

Video shows the officers milling about and talking as Nichols struggled with his injuries. Nichols died Jan. 10, 2023, three days after the beating.

An autopsy report shows Nichols – the father of a boy who is now 7 – died from blows to the head. The report describes brain injuries, and cuts and bruises on his head and elsewhere on his body.

Jesse Guy testified that he was working as a paramedic for the Memphis Fire Department the night of the beating. He arrived at the location after two emergency medical technicians, Robert Long and JaMichael Sandridge.

Guy said he was not told about the medical problems Nichols had experienced before he arrived, and that Nichols was injured, seated on the ground and unresponsive.

Nichols had no pulse and was not breathing, and it “felt like he was lifeless,” Guy said.

In the ambulance, Guy performed CPR and provided mechanical ventilation, and Nichols had a pulse by the time he arrived at the hospital, the paramedic said.

Guy said Long and Sandridge did not say if they had checked Nichols’ pulse and heart rate, and they did not report if they had given him oxygen. When asked by one of Bean’s lawyers whether that information would have been helpful in treating Nichols, Guy said yes.

Long and Sandridge were fired for violating fire department policies after Nichols died. They have not been criminally charged.

The five officers also have been charged with second-degree murder in state court, where they pleaded not guilty. Mills and Martin are expected to change their pleas.

Federal prosecutors have previously recommended a 40-year sentence for Martin. A date has not been set in state court yet.

Nichols worked for FedEx, and he enjoyed skateboarding and photography. The city of Sacramento, where Nichols grew up, named a skatepark in his honor. “Tyre fell in love with skateboarding at a young age and it wasn’t long before it became a part of his lifestyle,” states the resolution approved by the city council. He had a tattoo of his mother’s name.

“Tyre Nichols’ family have been praying for justice and accountability from the very beginning of this tragedy,” Ben Crump and Antonio Romanucci, the civil rights attorneys representing Nichols’ family, said in a statement when the trial began. 



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