when you need a personal loan for credit card debt consolidation, home improvements or other purposes, where do you go? Do you take the time to shop around — or are you focused on getting money right away? More than 21% of borrowers do no research at all before applying for a personal loan, and 52% didn’t use preapprovals to compare rates and fees from multiple lenders, according to a survey by U.S. News. But comparison shopping is a good idea when you’re making a big financial commitment like taking out a loan. And online lenders have made applying for a personal loan fast and convenient. Rather than shopping around for personal loans by going directly to multiple lenders, you can use Credit Karma to research and compare personal loan offers all in one place.