Credible is a free online personal loan brokerage service perfect for anyone with a high credit rating looking to consolidate debt, finance a major purchase, or open a business.
LendingTree lets borrowers take advantage of the competition between personal loan lenders to access better terms, rates, and loan amounts, even if you have poor credit. It gives customers the ability to compare offers simultaneously, empowering them to find a solution based on their unique circumstances.
LightStream provides personal unsecured loans of up to $100,000, a higher amount than most lenders offer. Unusually, APRs vary according to the purpose of your loan and not just depending on your financial profile, but there are very few limitations to what you can spend your loan on. LightStream’s low APR and flexible terms are highly appealing but only open to borrowers with good or excellent credit.
Bankrate is one of the oldest, biggest and most comprehensive financial services news and knowledge hubs. Its comparison tool lets you quickly compare personal loans from different lenders. Bankrate’s aggregator uses a “soft pull” to check your credit, which does not affect your credit score.
Upgrade offers personal loans of up from $1,000 to $50,000 for a range of purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It is quick, easy to use and offers free credit monitoring and financial-education resources that can help you better understand and improve your credit score.
Fiona is an online marketplace for lenders and borrowers that works with brands in the alternative lending industry. By filling in a quick and simple online application, borrowers are matched with the loan providers most likely to approve their applications, saving them time and money.
Upstart is a lending marketplace that harnesses AI and advanced algorithms to provide consumers with affordable financing while reducing risks for lenders. In this Upstart review, we’ll take a close look at how well this system works for borrowers. As you’ll find out, the advanced tech underlying the platform means that Upstart might approve your application even if other lenders have turned you down.
OneMain Financial is a subsidiary of OneMain Holdings, Inc., a publicly traded financial services company founded in Baltimore in 1912. It specializes in providing unsecured and secured personal loans to consumers across America. It operates online and in branches around the country. As of the end of 2019, it had around 1,400 branches in 44 states.
AmOne is an established marketplace lender offering s a variety of loan options with good terms and low rates through its network of lenders. After comparing available options that suit their specific needs, borrowers can apply for a tailor-made loan for free.
Best Egg is an online lender that offers personal loans for borrowers with fair to strong credit. We like Best Egg because it offers an easy online application, money is sent to your account in as little as 1 day, and the loan interest rates are competitive. In addition, with Best Egg there’s no penalty for paying off your loan early.
Mariner Finance offers personal loans ideal for borrowers with fair or good credit history. You can borrow $1,000-$50,000, and take between one and five years to repay your loan. Typically, you’ll get your funds in three to four days. While the APRs are high, borrowers can qualify for large loans with long payoff periods. Both secured and unsecured personal loans are available and Mariner allows cosigners.
FastLoanAdvance is a loans search engine that matches users with a variety of personal loan providers. FastLoanAdvance matches the user with what it deems to be the right loan option from its extensive network of lenders.
5Kfunds connects people seeking loans to its network of reliable lenders. It offers an effortless way to fund life projects, vacations, and other expenses in an affordable, quick way, avoiding complications and red tape. With a simple online pre-qualify form, 5Kfunds gives the leverage back to consumers as lenders compete for their business in a modern marketplace.
Monevo is an online lending marketplace with direct access to hundreds of loan companies around the world. Access to real-time responses from lenders and loan brokers for accurate and reliable replies in just 60 seconds. The free service usually leads borrowers to the lowest rate option. Monevo shares your details securely with various active lenders without affecting your credit rating.
With a network of over 100 lenders, LoansUnder36 helps customers with any credit history identify quick and easy financing solutions. Loans range from very short repayment periods to longer terms. The quick application helps customers find a match in seconds, avoiding complicated bureaucracy. Thanks to a fast matching process and lenders’ network, LoansUnder36 is great for all types of borrowers.
Universal Credit offers access to credit when you need it, no matter what you need it for. You get a fixed rate and clear pay off date. Universal Credit is powered by Upgrade, Inc., a neobank in business since 2017. It partners with banks and other financial institutions and organizations to originate loans.
Life Loans is not a traditional lender, rather an online loan referral service that connects consumers with a marketplace of companies who offer personal loans and cash advances. Life Loans specializes in personal loans; however, it works with lenders who offer other short-term loans so that its services can be made available to consumers with good and bad credit.
Achieve Personal Loans provides borrowers with a highly personalized loan package with rates and flexible terms to match. Customers who choose Achieve Personal Loans can take advantage of funds sent within 24-72 hours*, no prepayment penalties, and no hidden fees.
Figure offers personal loans up to $50,000 with competitive interest rates and fast funding. The application process is entirely online and you can be approved and have cash in your account by the next business day. Figure requires relatively good credit, but borrowers can enjoy competitive interest rates.
Marcus, a new personal loan provider by Goldman Sachs, offers loans that are fee-free and can be tailored to suit each individual customer. Fast funding is also a crucial component of the Marcus strategy, and many Marcus customers receive funds in as little as 3 days.
Stilt was founded to help immigrants and the underserved get the loans they need. The company works with borrowers who don’t have a social security number and who have little or no credit history. The company considers factors like your work history, education, and financial behavior to determine if you qualify. You don’t need a US citizen to cosign your loan. Stilt offers personal loans up to $35,000 and interest rates start at 7.99% APR.
Splash Financial is an online marketplace that helps you review offers for your needs. The company works with a network of lenders to offer personal loans, student loans, and student loan refinancing. Personal loan rates start at just 7.99% APR, and you can borrow up to $100,000. Splash Financial lets you check your rate online in less than 2 minutes, without a hard credit pull.¹
LendingClub is a leading name in the personal loan industry and has grown to become the largest online lending marketplace in the US. LendingClub offers borrowers a wide range of loan options. With a good reputation, convenient application process, and access to attractive loan terms, it’s easy to see why LendingClub is a top choice for debt consolidation, businesses, and personal loan needs.
HSBC Bank USA, an American subsidiary of the UK-based global banking giant HSBC, offers online and physical banking services across the US. One of its main products is the unsecured personal loan, which it offers to residents of all states except Wisconsin. If you have a 700+ credit score, HSBC accepts personal loan applications online for non-existing customers and in 230 branches around the United States for existing customers.
GuideToLenders, an established marketplace lender, offers an excellent variety of loan options with great terms and rates through its network of lenders. After comparing available options that suit their specific needs customers can apply for a tailor-made loan for free.
MagnifyMoney was founded in 2014. It’s a free, independent service that provides unbiased comparisons of financial products, including personal loans, credit cards, and bank accounts. The platform also features in-depth articles on a range of personal finance topics. The company is a part of LendingTree and is supported by its advertisers.
SoFi’s low interest rates and dedication to customer education make it a top choice when it comes to getting a personal loan. It’s an excellent alternative for young professionals who are looking to build their credit through responsible borrowing, as well as aspiring homeowners or those seeking to refinance loans with unfavorable terms.
Liberty Lending LLC is a financial tech company that offers innovative personal loans designed to help people pay down debt faster. They offer unsecured loans issued either through FinWise Bank, a Utah chartered commercial bank, member FDIC or MetaBank® National Association, member FDIC. Their service comes with fixed rates, fast approvals, and no prepayment penalties. Liberty Lending is great for those seeking an easy personal loan service.
LendingPoint is a great option for anyone with less than perfect credit needing a personal loan with reasonable rates and fast funding. LendingPoint’s tech-powered underwriting model means that it is able to offer a quick turnaround and flexible payment terms.
Cash.com is an online platform where you can quickly compare offers for personal loans, credit cards, student loans, and student loan refinancing. The platform offers comparisons from top personal loan companies such as Avant, Lightstream, LendingClub, Marcus, and more. You can find personal loans up to $100,000 with repayment terms from 2 to 72 months. Using Cash.com is completely free, and you can see your offers in as little as 2 minutes.
Personal Loan Pro is a fresh new company with a 21st century approach to loans. Instead of the formal and routine methodology of the more traditional lenders, Personal Loan Pro brings a more casual, friendlier approach to the industry. As a lending marketplace, borrowers can enlist the aid of this service to find several offers with one application.
PenFed is the third-largest federal credit union in the US. The company offers a variety of personal loans up to $50,000. PenFed doesn’t charge origination or prepayment fees and you can pre-qualify with a soft credit check. This lender doesn’t specify a minimum credit score, but a score of 690 or above is preferred.
Prosper is a peer-to-peer lending marketplace that helps customers to find the financing they need. Prosper is perfect for anyone with good to excellent credit looking to finance expenses quickly and efficiently.
Payoff is a unique personal loan provider that is dedicated to helping you improve your financial state. Payoff was created with the goal of aiding borrowers to escape from debt and improve their financial wellbeing, allowing them to add as much as 40 points to their credit score. Thanks to a wealth of educational sources and a user-friendly approach to lending, Payoff is a great choice for anyone looking for a personal loan with great terms.
Established in 2012, Avant is an online lending platform that offers unsecured personal loans. With a minimum credit score requirement of 580, Avant personal loans are great for those with little or poor credit history. If you qualify for a loan, you can get your money in as little as 1 to 3 business days. However, its APRs are high, and those with bad credit are unlikely to qualify for lower rates.
NerdWallet is a San Francisco-based financial services platform that offers a comparison tool to help users find the personal loan for their needs. On the comparison pages, you can sort all of the personal loan providers NerdWallet works with by loan amount, loan term, or interest rate. You can also view personalized loan offers. NerdWallet’s partner lenders offer personal loans ranging from $2,000 to $50,000 with rates starting from 5.40% APR.