Best Personal Loans in District of Columbia

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses. In District of Columbia, personal loans are capped at 24% APR for licensed consumer lenders, overseen by the DC Department of Insurance, Securities and Banking (DISB).

District of Columbia Lending Overview

Personal Loan APR cap

24%

Median Home Price

$630,000

Median Household Income

$101,000

Avg Student Debt

$54,561

State Regulator

DC Department of Insurance, Securities and Banking (DISB)

Notable law: The District of Columbia's 24% usury ceiling effectively bans payday lending, and the DC Department of Insurance, Securities and Banking enforces compliance among all licensed consumer lenders.

8 Personal Loans Lenders serving District of Columbia

Best Egg

Personal Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of District of Columbia

Apply at Best Egg

Better Mortgage

Personal Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of District of Columbia

Apply at Better Mortgage

Bluevine

Personal Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of District of Columbia

Apply at Bluevine

Capital One Auto

Personal Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of District of Columbia

Apply at Capital One Auto

Earnest

Personal Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of District of Columbia

Apply at Earnest

LightStream

Personal Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of District of Columbia

Apply at LightStream

LightStream Auto

Personal Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of District of Columbia

Apply at LightStream Auto

OnDeck

Personal Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of District of Columbia

Apply at OnDeck

District of Columbia Lending Laws

The District of Columbia's 24% usury ceiling effectively bans payday lending, and the DC Department of Insurance, Securities and Banking enforces compliance among all licensed consumer lenders.

The primary regulator for consumer lending in District of Columbia is the DC Department of Insurance, Securities and Banking (DISB). Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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