Find the Best Personal Loan Companies

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Compare Reviews for Top Personal Loan Companies | ||||
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Offers personal loans up to $35,000. Loan term lengths range between 3 to 5 years. Requires a credit score of at least 640. APRs start as low as 5.99%. Minimum debt consolidation is $5,000. | ![]() | Compare Offers | ||
LendingTree | Read 1,538 Reviews | Compares rates and quotes from multiple lenders for a variety of loan types. Free services. Use of the site doesn’t affect credit score. Provides a list of loan options tailored to the user’s situation. | ![]() | Get a Quote |
Offers fast funding and flexible loan terms. Borrowers can get approved for loans up to $10,000. Approved applications can be funded as soon as the next business day. Offers lines of credit from $500 to $4,500. APRs vary by state. | ![]() | Learn More | ||
Offers personal loans from $600 to $100,000. Provides small business loans. Requires borrowers to have a credit score of 760 for best rates. Includes a 7-day “no worry guarantee” to return any loan amount. No prepayment penalty. | ![]() | Compare Offers | ||
Read 69 Reviews | Provides a lending marketplace. Minimum credit score varies by lender. Offers next-business-day funding. Offers personal loans and student loan refinancing options. APRs start at 5.99% and can go up to 35.99% or higher. | ![]() | Learn More Call Now Toll Free (833) 985-2116 | |
AmOne | Offers personal loans, unsecured loans, debt consolidation, small business loans and startup business funding. Free service. No minimum qualifying credit score to obtain a loan. Available nationwide. | ![]() | Compare Offers | |
LendingClub | Peer-to-peer lending company that offers personal loans, auto refinancing and small business loans. Compare multiple offers. Personal loans up to $50,000. Small business loans up to $500,000. Auto refinancing up to $55,000. | ![]() | Compare Offers | |
Online lender that offers fixed rate personal loans, installment loans and lines of credit. Instant lending decision upon application completion. Requires minimum monthly income of $1,000. Operates in 10 states. | ![]() | Learn More Call Now Toll Free (844) 615-0766 | ||
Avant | Offers unsecured and secured personal loans and credit cards to build your credit score. Loan amounts range from $2,000 to $35,000. Funds loans as soon as the next business day. APRs range from 9.95% to 35.99%. | ![]() | Compare Offers | |
OneMain Financial | Read 3,103 Reviews | Offers auto loans and personal loans for debt consolidation and home improvements. Loan amounts range from $1,500 to $20,000. Loan terms range from two to five years. Services offered in 1,500 locations. | ![]() | Compare Offers |
Our favorite personal loan companies reviewed
To determine the best personal loan companies, we looked at the application process, loan types offered, credit scores served, available rates and customer service records of several lenders. Compare the companies below to find the best lender for your needs.
Our favorite personal loans for good credit
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Why choose BestEgg:
Best Egg offers a fixed APR, which means your monthly payment will be the same. You could get money in your account in as little as one business day with no pre-payment fees if you choose to pay it back quicker. Best Egg has vast experience helping individuals get the funding they need in order to live their best life.
Things to consider:
While APR starts at 5.99%, it can go as high as 29.99%. Best Egg bases APR on your credit score, income and loan details, among other factors. You’ll need a minimum credit score of 700 and annual income of 100,000 to qualify for their lowest advertised rates. An origination fee will also apply, between 0.99% and 5.99% depending on the term of the loan.
Who it’s for:
Best Egg has many benefits and may be a good choice for anyone who needs to borrow at least $5,000 and has a credit score of at least 640.
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Why choose FreedomPlus:
FreedomPlus offers personal loans up to $40,000 and same day loan decisions with money dispersed within 48 hours. Loan terms range from two to five years and Freedom advertises 5.99-29.99% APR on their loans. FreedomPlus adheres to five words that model their funding process called "The Freedom Five": simple, personal, fast, clear and smart.
Things to consider:
An origination fee may apply to your loan. Origination fees are determined by the size of the loan and can range from 0-5%. Not surprisingly, you’ll need an excellent credit score to qualify for the lowest APR of 5.99%, but FreedomPlus also specifies that the 5.99% APR is for loans under $12,000 and at a 24-month term. Adding a co-signer or applying for a debt consolidation loan may also help you qualify for the lowest available rate.
Who it’s for:
Anyone looking for a sizeable loan they plan to be able to pay off in less than five years.
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Why choose Lending Tree:
Lending Tree is an online lending marketplace. This means they do not offer loans directly, but rather connect you to lenders who meet your qualifications and helps you find the best rates available for your loan needs. Lending Tree can match you with lenders to finance up to $50,000 in a personal loan.
Things to consider:
Because Lending Tree is not a lender itself, you’ll need to do additional research on the companies they have matched with you to ensure you’re comfortable.
Who it’s for:
Lending Tree is a good choice for anyone who isn’t quite sure where to start their personal loan search or wants to compare several lenders quickly.
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Our favorite personal loans for average credit
For those individuals with fair to good credit scores, falling slightly below excellent shouldn’t worry you too much. Those with average credit should be able to find a host of available lenders with reasonable rates and terms.
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Why choose Liberty Lending Group:
Liberty Lending Group offers fixed-rate loans between $2,000 and $100,000. Personal loans, business loans, mortgage loans and consolidation loans are available. Decisions are made based on your credit score and debt-to-income ratio. Once approved, loans are issued in as little as 24 hours. Repayment terms are available between two and six years, and the advertised APR ranges from 4.49% - 29.99%.
Things to consider:
As with any loan, your credit score and debt-to-income ratio plays a significant factor in the approval process. Those with higher scores and stronger credit history will qualify for the lowest rates. Still, because Liberty Lending has a capped APR of 29.99%, you won’t be vulnerable to a triple-digit APR that some lenders have.
Who it’s for:
Those looking to take out a large loan, up to $100,000.
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Why choose LoanMe:
LoanMe offers personal loans between $2,600 and $100,000 and small business loans between $3,500 and $250,000. They advertise cash in as little as 3-4 hours, which is faster than average turn around. LoanMe also has a 7-day “No Worry Guarantee” — if you change your mind within seven days, you can return the loan amount and the company will waive all interest and fees. Rates and fees will vary depending on your location and credit score. In California, where the company is based, the maximum APR is 13.33% for a prime loan and are available for individuals with FICO credit scores about 760.
Things to consider:
LoanMe is licensed in Arizona, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah and Wisconsin. LoanMe does charge a loan fee which Loan Fee is a percentage of the loan amount or flat dollar amount deducted from loan proceeds. This fee can be as little as $75 and high as 20%. You’ll want to visit LendMe’s website to review their loan products in your state to see what rates and fees you’ll qualify for.
Who it’s for:
Those who need their money as quickly as possible or those need longer repayment terms.
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Why choose Credit Direct:
Credit Direct offers personal loans up to $40,000 with fixed interest rates starting at 18%. Their site is available in English or Spanish and features video testimonials from real customers. The online loan application process can be completed in minutes and money can be deposited in as little as 24 hours once you’re approved for a loan.
Things to consider:
You’ll have to apply to see what yearly interest rate you qualify for, as Credit Direct doesn’t specify their maximum APR on the website. The lowest rate of 18% will go to those deemed the most creditworthy based on their credit score and credit history. Loans are available in Alabama, Arizona, Arkansas, California, Florida, Indiana, Iowa, Louisiana, Maryland, Michigan, Missouri, North Carolina, Oklahoma, Pennsylvania, Texas and Virginia.
Who it’s for:
Native Spanish speakers.
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Our favorite personal loans for bad credit
If you have bad credit, don’t panic — there are still lenders who have your back. While you may pay a higher price with less than ideal interest rates, many lending companies offer or even specialize in providing financing for individuals with poor credit scores or no credit history.
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*Example: a $4,500 loan with 50 monthly payments of $262.53 would have an APR of 65%
Why choose NetCredit:
Loans from NetCredit are available from $1,000 to $10,000 with terms up to 60 months. APR varies by state but ranges from 34%-155%, and NetCredit publishes their state compliance certificates on-site so you can feel confident you’re working with a reputable company following all the latest consumer protection regulations. You can see sample loan terms and payment plans by visiting their “rates and terms” page to get a good idea of what you may qualify for based on your location. Money is typically dispersed in one to three business days once approved.
Things to consider:
NetCredit is only available in select states, including Alabama, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, South Carolina, South Dakota, Utah, Virginia and Wisconsin. Available APR rates can vary between states, so you’ll want to look at your specific state page when you visit NetCredit’s website. Illinois, Georgia and South Dakota all have lower maximum APRs than other states NetCredit serves. Loans offered at the lowest APR may see an origination fee between 1-5%, and may not be eligible for the maximum 60-month term.
Who it’s for:
Those with poor credit who are looking to borrow up to $10,000 for the lowest APR rates available for subprime scores.
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Why choose Avio Credit:
Avio Credit is an online lender with loans available for up to $5,000. Most customers receive their funds within one business day, but once approved your approval is good for 30 days. Avio offers both installment loans and line of credit loans with fixed interest rates so your payment will stay the same over the life of your loan.
Things to consider:
Avio Credit is only available in the following states: Alabama, California, Idaho, Illinois, Kansas, Missouri, North Dakota, Rhode Island, South Carolina, Texas, Utah and Wisconsin. Each state has different terms, maximums and APRs. We recommend visiting the rates and terms page for your state before applying so you have a clear picture of what you’ll be paying back on your loan. APRs can be as high as 198.45% from Avio Credit. While you can find loans available up to $5,000 in some states, many states have a maximum loan of $2,500 or less.
Who it’s for:
Those with less than perfect credit looking for a fixed interest rate loan of up to $5,000.
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Why choose OppLoans:
OppLoans offers installment loans to those with less than perfect credit as an alternative to payday loans, which are notoriously high risk. Next-day funding is often available from OppLoans, and their APR starts at 99%. Depending on your location, installment loans and line of credit loans may be available.
Things to consider:
While the maximum APR advertised by OppLoans is much lower than a typical payday loan APR (which can be as high as 400%), the maximum APR OppLoan advertises is 199%, which is a high APR compared to other online lenders. The line of credit product is online available in Kansas, Tennessee and Virginia.
Who it’s for:
Those looking to take out a small loan and pay it back quickly.
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Types of personal loans
Unsecured personal loans
The majority of personal loans are unsecured loans. Unsecured simply means not backed by collateral. The lending institution grants you funds based on your credit score, credit history and their opinion on the likelihood of you being able to repay the loan. You can take out an unsecured personal loan for a variety of reasons and you don’t have to agree to use the money for any specific purpose.
Secured personal loans
A secured personal loan is one backed by collateral, like a mortgage or a car loan. Once approved, the lender will place a lien on the item—or hold the title or deed in the case of mortgages and car loans—until the loan is repaid. If you default on a secured loan, the loan will have the right to repossess your secured asset and sell the item or property to recoup their losses. Because of this added layer of security for the lender, better rates may be available for secured loans vs. unsecured loans.
Fixed-rate loans
A fixed-rate loan is exactly as it sounds, a loan with an interest rate that stays the same, or “fixed,” over the term of the loan. With a fixed-rate loan, your interest payment will stay the same each month, making for consistent payments throughout the life of your loan.
Variable-rate loans
Variable-rate loans are loans tied to index rates. As the index rate changes, your interest rate will go up or down with it. These loans can save you money and are often advertise starting rates lower than their fixed-rate counterparts, but they’re also much riskier than fixed-rate loans. Variable-rate loans are usually recommended for shorter-term loans because there’s less time for the rates to fluctuate drastically.
Personal line of credit
A personal line of credit is similar to an unsecured personal loan. Unlike a typical loan that provides a flat dollar amount upfront, a personal line of credit pre-approves you for an amount that you can draw from over time. Personal lines of credit have variable interest rates and are typically a more affordable option than a credit card cash advance.
Debt consolidation loans
A debt consolidation loan allows borrowers to take out one loan to pay back multiple loans, consolidating their amount owed into a single monthly payment. Some debt consolidation loans also allow borrowers to refinance for better rates or adjusted terms.
Who are the best personal loan companies near me?
If you prefer face-to-face communication, it's a good idea to work with a local company. We compared personal loan companies across the U.S. to help you find reputable lenders where you live.
- Albuquerque
- Atlanta
- Austin
- Bakersfield
- Baltimore
- Boise
- Buffalo
- Chicago
- Cincinatti
- Cleveland
- Dallas
- Denver
- Detroit
- Fort Myers
- Green Bay
- Houston
- Indianapolis
- Kansas City
- Lansing
- Las Vegas
- Los Angeles
- Milwaukee
- Nashville
- Omaha
- Orlando
- Phoenix
- Pittsburgh
- Portland
- Sacramento
- San Antonio
- San Diego
- Tallahassee
- Tampa
- Tucson
- Tulsa
- Waco
- West Palm Beach
Personal loans questions
- What is a personal loan?
- A personal loan is a set amount of money borrowed and paid back in installments over a predetermined period of time, most often with interest. Personal loans are available through banks, credit unions and other private lenders. Secured personal loans are backed by collateral, like a mortgage or car loan, but the majority of personal loans are unsecured.
- How do personal loans work?
- While the process may vary slightly depending on the type of loan you’re looking to qualify for, the steps to get a personal loan will generally be the same: apply, get approved and then, eventually, repay your loan.
It’s important to compare rates from multiple lenders, as a loan’s rates and terms will determine the total amount you repay to the lender. You’ll want to look for a loan with the lowest APR possible to save the most money.
- Apply: The application process will vary depending on which lender, and what type of lender, you use. Typically, a credit check will be run to determine your “creditworthiness,” and your score will affect the interest rate you get, with those with the highest scores qualifying for the lowest rates.
- Get approved: Once your application is complete, you will either be approved or denied for the loan. If approved, you will receive your funds, often as soon as the next day.
- Repay: Your repayment term may begin immediately, or be delayed by a preset amount of time.
- How do I know if a loan company is legitimate?
- Before you apply for a loan, make sure the company is legitimate by:
- Checking their rating with the Better Business Bureau
- Asking about upfront payment.Most loan companies disclose all of their fees upfront but don’t require an upfront payment.
- Reading consumer reviews on our website to find out how the company interacts with customers.
- Showing the contract to a legal professional before agreeing to the terms
- Do unsecured loans hurt your credit?
- Unlike secured loans, unsecured loans don’t involve collateral, making them a high-risk option for lenders. If you default on an unsecured loan, it will hurt your credit score and you’ll be flagged as a high-risk borrower. Your lender can put your account in collections and even take legal action.
- Is it a good idea to get a personal loan?
- Personal loans are a viable option for many different circumstances. While other types of loans have specific requirements for use, personal loans can be used on anything from medical expenses to consolidating debt. If you’re in a pinch and need cash fast, a personal loan could be the right option for you.
- What is a good rate on a personal loan?
- Interest rates on personal loans vary based on your lender but usually range from 5% to 36%. Getting a reasonable rate is contingent on a few different factors:
- Your credit score.The higher your credit score is, the more likely you are to get a low-interest rate.
- Employment status. Most loan companies require borrowers to provide their employment status. Having a job shows your lender that you’re trustworthy and have a solid work ethic.
- Proof of income. Lenders may have a minimum personal or household income, and making well-above the minimum can help you get a better interest rate.
- What can be used as collateral for a secured loan?
- Secured loans are a great option for people who want a loan with a lower interest rate. Secured loans have lower rates than unsecured loans because they involve collateral, which gives lenders assurance that they’ll get their money back. If you’re interested in a secured loan, work with your lender to figure out what you can use as collateral. Some options include:
- Your home
- Your car
- Your investments
- Your savings
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Personal loan company author reviews

OppLoans specializes in quick and affordable personal loans up to $4,000. If approved, the money may be in your hands within 24-hours with interest rates generally lower than payday or title loans. They also provide personal, one-on-one customer service for the care you need during these stressful times.
- Fast Funding: If OppLoans approves your personal loan, you may be able to receive your cash within a day’s time.
- Affordable: Their interest rates are generally lower than any payday or title loan. In fact, your APR with OppLoans could be half of a typical payday loan.
- Excellent customer care: Because of their friendly, one-on-one customer care, OppLoans has received incredibly high marks in written customer reviews.
- Easy application: You can apply for an OppLoan with ease on their website, and the application does not affect your FICO® credit score.

LoanMe offers unsecured installment loans to consumers and businesses. The company's primary focus is to provide personal or small business lending solutions. The company offers loans from $2,600 to $100,000 for purposes such as debt consolidation or costs associated with starting a new business. LoanMe streamlines the loan application process, making it easier for consumers.
- Loan range: LoanMe offers personal loans ranging from $2,600-$100,000. This wide range gives consumers several options to choose a loan amount that meets their needs, even if they do not own a home.
- Direct deposit: With application approval, consumers can receive their loan funds via direct deposit into a checking account.
- Automatic payment withdrawals: LoanMe automates the loan repayment process, withdrawing loan payments from the borrower's bank account based on an agreed-upon repayment schedule.
- Three ways to apply for a loan: Applicants can call the company toll-free to begin the loan application process with a live agent, complete the process online or use the company's website to request a callback from a live agent.

FreedomPlus is an online lender that offers personal loans in the range of $10,000 to $40,000. Interested consumers can visit their website and fill out an application online. FreedomPlus goes beyond your credit report to help you qualify for a loan.

Credit Direct Loans offers unsecured loans up to $40,000. You can complete the application, receive a loan proposal and contract and sign the contract electronically. The money is deposited into your checking account. Credit Direct Loans is licensed to provide loans in Arizona, California, Florida, Indiana, Iowa, Maryland, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, Texas and Virginia.

NetCredit is a personal loan company offering loans up to $10,000. The company is a subsidiary of Enova International, Inc. Net Credit has a creative My RightFit ToolTM to help consumers customize their loan amount and repayment terms.
- Easy application: The online NetCredit loan application process promises a quick response. If eligible for a loan, the borrower receives an offer which she can accept immediately, or she can request a modified loan.
- Payment options: Borrowers select their own personalized repayment schedule. Additionally, NetCredit offers the customer an automatic payment option, so the borrower won’t forget to pay their loan payment.
- No prepayment penalties and flexible repayment options: NetCredit helps build credit through regular reporting to 2 credit bureaus. The borrower can modify their payment amounts and won’t incur penalties for paying the loan off early.
- No hidden fees: Borrowers of NetCredit promise no fees; borrowers only pay the company the interest and principal payment amounts for their loan. Their CLearCost for MeTM assures no additional or hidden fees.
- Customer service options: NetCredit offers borrowers great customer service options, both by phone and by e-mail.

AmOne takes a unique approach to helping individuals and business access the financial services they need. Instead of providing direct services, AmOne matches borrowers with suitable lenders. AmOne specializes in personal, unsecured, debt consolidation, small business and start up business loans. After completing a simple application, users are given a list of loan options. The borrower can pick the lender on their own or use one of AmOne’s consultants. The AmOne service helps the consumer narrow his or her borrowing options and make an informed credit decision.

Prosper is the country's first peer-to-peer lending marketplace. The company has provided more than $2,000,000,000 in loans. Loan interest rates range from 5.99% for the most credit worthy borrowers to 36.00% APR for consumers with lower credit ratings. Borrowers can obtain loans from $2,000 up to $35,000.

OneMain Financial has been in business since 1912. In 1998, their parent company, Travelers Group, merged with Citicorp and created Citigroup, a global financial services company. In 2011, after many acquisitions, the company became OneMain Financial with 2,000 branches across 48 states. This personal lender combines a variety of lending solutions with a comprehensive website complete with financial education articles, calculators and tools.

Lending club is the biggest peer lending marketplace. The company was launched in 2007, and it was originally one of Facebook's applications. Lending Club makes loans up to $35,000.

Avant, formerly AvantCredit is a personal loan company that’s helped 350,000 customers. Borrowers can access between $2,000 and $35,000 for debt consolidation, home improvement and/or emergencies. The company has a 96% satisfaction rating.

Pioneer Services is a personal loan company dedicated to lending to active or retired members of the military. The company has been in business for more than 25 years, and it has awarded loans to more than 1.4 million military families. Pioneer Services is the military division of MidCountry Bank, a company that makes VA home loans to eligible active-duty and retired veterans. The website provides an extensive learning center with specialized money topics to help the military population.

Founded in 1996, Lendmark Financial Services offers individuals personal loans across the U.S. The company is headquartered in Covington, GA.

LendUp was founded to aid those with less than perfect credit scores. The lender provides access to personal loans and credit cards, as well as special financial education geared toward escaping the debt cycle, financial planning and credit management. The company offers single payment loans up to $250, installment loans up to $500 and prime loans up to $1,000.
Compare Reviews for Top Personal Loan Companies | ||||
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FreedomPlus | Offers personal loans from $7,500 to $40,000. Same-day loan decisions available. Only offers loans in some states. Repayment periods range from 24 to 60 months. APRs start at 7.99% to 29.99%. | ![]() | ||
SoFi | Offers personal loans, home loans, private student loans, small business loans and refinancing options for mortgages and student loans. Personal loan amounts range from $5,000 to $100,000. No origination fees or prepayment fees. | ![]() | Compare Offers | |
Offers fixed rate unsecured personal loans from $2,000 to $100,000. Guarantees easy online application and no prepayment penalties. Offers business loans up to $250,000. Can secure loans in as few as 72 hours. | ![]() | Call Now Toll Free (800) 430-4715 | ||
Prosper | Offers fixed-term personal loans, debt consolidation options and home equity lines of credit. No prepayment penalties. Loan terms range from three to five years. Provides investment options. | ![]() | Compare Offers | |
Offers personal installment loans for bad credit from $100 to $5,000. Also offers credit services for loans from $100 to $2,500. Repayments offered for up to 36 months in some states. Includes payday loans and car repair loans. | ![]() | |||
Lendmark Financial | Offers personal loans from $500 to $25,000. Must visit a branch to close the loan upon approval. Fixed rates, terms and payments. Includes debt consolidation and auto loan options. Maximum unsecured loan amount is $8,000. | ![]() | ||
Credit Direct | Offers unsecured personal loans from $5,000 to $40,000. Fixed interest rates and no hidden fees. No early repayment fees. APR as low as 4.99%. No minimum credit score requirement to apply. Provides unsecured debt consolidation. | ![]() | ||
1st Franklin Financial | Offers mortgages as well as personal loans up to $15,000 with fixed rates and fixed payments. Operates in six states. APR rates vary depending on the state and personal credit profile. | ![]() | ||
Republic Finance | Offers personal loans and auto-secured loans. Operates 220 locations in nine states. Provides K-12 school loans to fund tuition and cover other educational expenses. Secured loan amounts up to $10,000. | ![]() | ||
New Credit America | Offers consolidation loans and personal loans with fixed interest rates, terms and payment plans. Considers all FICO scores of potential borrowers. APR can be up to 29.99%. Includes an origination fee up to 5%. | ![]() | ||
Pioneer Military Credit | Offers personal military loans for active duty and retired military members. Loan amounts range from $500 to $10,000. All ranks and branches eligible to apply. Installment loans with fixed rates. Includes 15-day return guarantee. | ![]() | ||
CountryWide Debt Consolidation Loans | Offers debt consolidation, credit card consolidation and debt settlement. No minimum credit score required for approval. Results received within minutes. Program is between 12 and 48 months. | ![]() | ||
LightStream | Read Reviews | Offers loans for various types of life experiences, including home improvement, auto purchases, auto refinancing and medical expenses. Loan amounts range from $5,000 to $100,000. Fixed interest rates starting as low as 2.49%. | ![]() | Compare Offers |
Fig Loans | Read Reviews | Offers installment loans. No late fees, bounce fees or late interest fees. Reports to three major credit bureaus to help build your credit. Flexible repayment terms. Operates in seven states. Loan amounts vary by state. | ![]() | |
Upgrade | Read Reviews | Offers personal loans between $1,000 to $50,000. Fixed rates and no prepayment fees. APRs between 7.99% and 35.97%. Origination fees between 2.9% and 8%. Funds sent as soon as one business day after approval. | ![]() | Compare Offers |
Payoff | Read Reviews | Offers loans specifically to pay off credit cards. Fixed rates between 5.99% and 24.99% APR Loan amounts from $5,000 to $40,000. Loans offered in 46 states. Minimum loan amounts and APRs vary in some states. | ![]() | |
Fiona | Matching service that connects users with providers for personal loans and student loan refinancing. Offers savings accounts, life insurance and credit cards match options. Service is 100% free to use. | ![]() | Compare Quotes | |
LendingPoint | Offers personal loans and financing options up to $25,000. Same-day approvals can receive funding as soon as the next day. No prepayment penalties. APRs range from 9.99% to 35.99%. Loan terms between 24 and 60 months. | ![]() | ||
LendUp | Provides payday loans, installment loans and financial education resources. Operates in seven states. Loan amounts and terms vary. Decisions received instantly. Funding in as little as one business day. No minimum credit score. | ![]() | ||
Offers personal loans from $1,000 to $50,000. APRs as low as 2.49%. Serves as a free matching tool to connect users to lending partners. Provides loan offers in less than two minutes. | ![]() | Get Started | ||
Upstart | Offers loan amounts between $1,000 and $50,000. Loan terms range from three to five years. APRs typically range from 8.41% to 35.99%. No prepayment penalty. Minimum loan amount varies by state. | ![]() | ||
Offers bad credit loans, no-credit-check loans and installment loans. Payday loans APRs up to 199%. Loan amounts range from $500 to $4,000. No minimum credit score required to apply. Same-day deposit available upon approval. | ![]() | Get Pricing |
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.
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