With lower interest rates, you can get the funds you need while saving thousands on payments. Compare our top personal loans and lock in your rate today.
used BestMoney to find lenders last week
A personal loan is an installment loan with a fixed interest rate and a fixed monthly payment, repaid over a set period, typically 2 to 7 years. Banks, credit unions, and online lenders all offer personal loans, and most are unsecured, meaning they don’t require any collateral.
Unlike many other loan types, you can use personal loans for almost any purpose. That includes consolidating debt, making large purchases, covering emergency expenses, or paying for events such as a wedding or a honeymoon.
A personal loan can also be a strategic financial tool. You might use one to replace high-interest credit card debt with a more affordable monthly payment, build your credit by making consistent on-time payments, or gain financial breathing room during unexpected situations.
Whether you’re managing medical bills, renovating your home, or streamlining your debts, a personal loan gives you predictable payments and a clear payoff timeline. Because personal loans are generally unrestricted, they can be used for almost any major or unexpected expense.
That said, like any kind of financial product, personal loans have trade-offs, including fees and interest rates, so think carefully before applying for them, since they can impact your credit score.
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Banks compete, you get low rates |
Personal loans offer several advantages over other forms of debt:
Personal loans do come with a few disadvantages, though:
When you apply for a personal loan, lenders evaluate your financial profile to determine whether you qualify and what interest rate you’ll receive. Understanding how to qualify for a personal loan can help you strengthen your application and improve your approval chances. This typically includes a credit check and a detailed review of the information in your application.
Here are the main factors lenders look at:
Your credit score is one of the biggest influences on your approval odds and the interest rate you’re offered. Some lenders set minimum credit score requirements, while others are more flexible. But according to Experian, most lenders prefer a credit score of at least 580. Strong credit usually leads to better rates, while lower scores may limit your options or result in higher borrowing costs.
“Instant Approval and No Credit Check claims should be avoided at all costs. If it sounds too good to be true, it probably is! Also, loans that require no credit check are almost always going to come with undesirable terms that are buried in the contract fine print.”
Lenders verify your income to ensure you can comfortably afford your loan payments. The higher your income, the more likely you are to qualify for the loan amount you’re requesting. You may be asked to provide pay stubs, tax documents, or other proof of earnings.
Your DTI ratio compares how much you owe each month to how much you earn. For example, if you earn $5,000 a month before taxes and pay $2,000 toward debts, your DTI ratio is 40%. The higher that percentage, the less room there is in your budget for additional payments.
If a large percentage of your income already goes toward debt payments, lenders may see you as a higher risk and decline your application or offer a smaller loan amount.
The loan amount and the length of your repayment term also factor into the approval decision. A larger loan or a longer repayment period can increase the lender's risk, leading to higher rates or stricter approval criteria.
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Combine high-rate debt into one fixed payment
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Finding the right personal loan starts with a reality check on your finances. Think about how much you need to borrow, how quickly you want the money, and what kind of monthly payment is realistic for your budget. If you have a solid credit score, steady income, and manageable debt, many lenders will be willing to work with you.
If you prefer working with a familiar institution or want help face-to-face, consider traditional banks and credit unions that offer in-person service and strong reputations. But keep in mind that their approval processes can be slower.
Online lenders are built around speed and ease of use. Many let you check potential rates in minutes, complete the entire application online, and access funds in as little as one business day.
Many financial experts recommend comparing several lenders instead of going with the first offer you see. Rates, fees, and approval requirements can vary widely, so you’ll want to cast a wide net before committing to one. You can also use prequalification tools, available on most lender websites, to check estimated rates without affecting your credit score.
Loan marketplaces are another useful option, since they let you compare offers from several lenders using a single application.
Here’s what you want to pay attention to when you’re comparing lenders.
Before accepting a loan offer, review the lender’s background. Look for signs of reliability, such as:
You should feel confident that the lender is reputable and operates with integrity.
“If you can’t understand something, and it is not easily explained, be very cautious before you move forward. Very often, bad actors in the financial space will say one thing, but a totally different thing is in the documents you are signing. That’s when you know it is time to walk away and not do business with them.”
A personal loan isn’t the only way to cover a major expense or manage your finances. Depending on what you need the money for, how quickly you need it, and what assets you have available, one of these alternatives may offer lower costs or more flexibility.
If you need spending flexibility instead of a one-time lump sum, a credit card or personal line of credit can fill that gap.
A credit card is a payment card that lets you make purchases online and in-store. When you use it to pay for goods or services, you essentially authorize the credit card company to make the purchase for you, with the promise to pay the exact amount back at a later date.
The main drawback is cost. Recent analysis from the Consumer Financial Protection Bureau shows that average APRs on credit card accounts assessed interest have climbed to roughly the low‑20% range and are at their highest levels since data collection began.
These rates are typically higher than what well‑qualified borrowers pay on personal loans, and most cards have variable APRs, which can make monthly payments harder to predict. To avoid long‑term credit card debt, it’s best to reserve cards for smaller or unpredictable expenses and pay balances off quickly.
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Free to use, no hidden fees |
If you’re a homeowner and have enough equity built up, you may be able to borrow at lower rates by using your home as collateral. Here are two ways to do that:
Because these options are secured by your property, they often come with better pricing, but also greater responsibility since your home is on the line.
If your employer’s retirement plan allows it, borrowing from your 401(k) can provide fast funding without a credit check.
With 401(k) loans, you repay yourself with interest, and payments are usually deducted from your paycheck. This can be a lower-friction option when cash is tight.
That said, it comes with tradeoffs. While the loan is outstanding, that money isn’t invested, which can
slow your retirement growth. And if you leave your job before the loan is fully repaid, the remaining
balance can be treated as a distribution, which could then trigger income taxes and early withdrawal
penalties.
Personal loans come in a few main forms. Understanding the differences can help you choose the option that best fits your needs and budget.
These loans are funded by individual investors through online platforms. They can be useful if you have average credit or prefer a fully online process, though rates and fees vary widely.
A personal line of credit gives you ongoing access to funds that you can draw from as needed. The key difference in a personal loan vs. a line of credit is that a personal loan gives you a lump sum, while a credit line lets you borrow only what you need over time. You’ll only pay interest on what you borrow, but rates are usually higher than standard personal loans.
An unsecured “signature loan” is approved solely based on your credit profile. No collateral is required, but interest rates may be higher.
Personal loans fall under this category: fixed payments over a set schedule. Other examples include auto loans and mortgages.
Before you submit a personal loan application, make sure you know what you’re getting into. When you understand the loan process and what to look for, it’s easier to secure better rates, avoid unnecessary fees, and increase your chances of approval.
Your credit report tells you more than just your score. Reviewing it beforehand allows you to:
You can get free annual reports from major credit bureaus at annualcreditreport.com, and many banks now offer credit score updates at no cost. Some borrowers note that applying alone rather than jointly can result in better terms if one applicant has much stronger credit.
Understanding how personal loan interest works helps you compare offers more accurately and avoid unnecessary costs. When you’re comparing your options, look for:
Note that a loan's interest rate doesn't include loan fees, whereas the APR tells you the full cost you'll pay to borrow on an annual basis, including fees.
Before applying, estimate how much you can comfortably afford each month. You’ll want a payment that fits your budget without straining your finances. If you haven’t already, create a detailed budget before applying so you know whether you can actually afford to take out a personal loan.
Borrowing more than necessary increases your costs. Determine your exact funding needs and look for a loan amount that matches them without forcing you into a higher monthly payment.
Short-term financing means higher payments but lower interest costs. Long-term offers lower monthly payments but increase the total amount you repay. Your ideal term depends on:
Before applying, check whether your lender charges:
You’ll also want to double-check for hidden fees or early repayment penalties, particularly with subprime lenders.
Preparing your paperwork can speed up the application and approval process. Here are the typical documents lenders will need from you:
Some lenders may also request additional documentation, especially if you’re self-employed or have irregular income.
Applying for a personal loan with an online lender is typically faster compared to going through a traditional bank. The application process is typically straightforward and consists of three stages.
You complete a short online form with basic information, including:
This takes only a few minutes and helps the lender understand your financial profile.
The lender runs a soft credit check, which doesn’t affect your credit score. Based on your information and credit profile, you’ll receive:
Prequalification lets you compare offers without committing.
If you move forward, the lender:
After verification, many lenders provide same-day approval and can deposit funds into your bank account within 1 to 2 business days. In many cases, the entire process can take as little as one business day.
You can get a personal loan from several types of lenders, and each comes with its own pros, requirements, and application process. Knowing how they differ can make it easier to find the right fit.
These are banks, credit unions, and online lenders that issue loans directly to you.
Marketplaces let you compare offers from multiple lenders in a single application.
P2P platforms connect borrowers with individual investors who fund the loans.
Traditional banks offer personal loans, but often have stricter qualification requirements.
| Company | Loan Type | Credit Profile | Notable Features |
| LendingTree | Marketplace | Broad Credit Range | Single application with access to multiple lender offers |
| SoFi | Unsecured Personal Loan | Good to Excellent | No origination fees, clear fee structure, and member benefits |
| Credible | Marketplace | Fair to Excellent | Soft credit check with side-by-side rate comparisons |
| AmeriSave Mortgage | Secured Loan / Mortgage Products | Good to Excellent | Home-secured borrowing options with competitive pricing |
| LightStream | Unsecured Personal Loan | Excellent | No fees, high loan limits, flexible loan purposes |
| Best Egg | Unsecured Personal Loan | Fair to Good | Flexible terms, commonly used for debt consolidation |
| Figure | HELOC | Good to Excellent | Fully digital application with fixed-rate draw options |
| MoneyLion | Personal Loans & Cash Advances | Fair to Poor | Credit-building tools alongside loan access |
| Happy Money | Unsecured Personal Loan | Fair to Good | Focused on credit card payoff and borrower-friendly terms |
This section summarizes common themes from public Reddit discussions about choosing a personal loan lender. It reflects aggregated community sentiment rather than individual opinions, endorsements, or provider claims.
Across discussions, users tend to prioritize transparency, flexibility, and overall fit over promotional offers. Many emphasize evaluating how lenders handle the full process—from application to repayment—rather than focusing only on advertised interest rates.
Interest rates matter, but context is key. Reddit users often recommend comparing multiple lenders, particularly credit unions and local banks, which are frequently viewed as offering more competitive and flexible terms. At the same time, they caution against “guaranteed approval” offers, which are commonly associated with higher costs.
Fees and total borrowing cost are frequent pain points. Origination fees and unclear charges are frequently mentioned, prompting users to stress the importance of carefully reviewing disclosures and checking third-party reviews for recurring issues.
Eligibility requirements strongly affect outcomes. Community discussions consistently note that credit score, income stability, and debt-to-income ratio influence approval odds and loan terms, with stronger profiles generally receiving better offers.
Customer service becomes more important after approval. Beyond rates and fees, users value responsive support and clear communication once the loan is active, particularly when questions or problems arise.
In summary, Reddit discussions suggest the best personal loan lender is highly situational. Users repeatedly recommend comparing options, understanding the full cost of borrowing, and choosing a lender whose terms and service model align with your financial situation.
At BestMoney.com, we understand the importance of making informed financial decisions. Our team of financial experts and editors conducts thorough research across lending, banking, home loans, personal finance, and insurance to provide you with comprehensive comparisons and insights. We continuously update our content to reflect the latest market trends and offerings, ensuring you have access to current, reliable information.
We offer a wide range of services, including detailed comparison tools and expert reviews, all designed to meet your specific financial needs. Our mission is to empower you to make confident, well-informed choices that help you achieve your financial goals.
To determine the best personal loan lenders, we evaluated providers across key criteria that influence cost, eligibility, flexibility, and overall borrower experience. Our goal was to highlight lenders that offer transparent terms, reasonable costs, and reliable support across a range of credit profiles.
Our analysis is based on publicly available information, third-party reviews, and summarized consumer sentiment research. All rankings and “best for” labels reflect editorial evaluation, not provider claims or guaranteed outcomes.
We reviewed how lenders structure interest rates and communicate total borrowing costs. Rather than relying on advertised minimums, we prioritized clarity, competitiveness across borrower profiles, and lenders' clear explanation of the full cost of a loan.
We examined common fees, such as origination and late fees, and how clearly they are disclosed. Lenders that explain costs upfront and avoid unclear or excessive charges were viewed more favorably.
We assessed how lenders evaluate applicants, including credit score expectations, income verification, and debt-to-income considerations. Providers with clear and accessible eligibility standards ranked higher.
We reviewed available loan amounts, repayment terms, and flexibility options such as early repayment. Lenders that accommodate diverse financial situations without unnecessary restrictions scored higher.
We considered application usability, communication quality, and post-funding support. Patterns in third-party reviews were used to identify consistent strengths or recurring concerns.
We prioritized lenders with an established operating history and consistent consumer feedback, viewing long-term stability and responsible lending practices as key trust factors.
We also reviewed aggregated discussions from public online communities, including Reddit, to identify common themes around choosing personal loan lenders. These insights were used solely to provide context on borrower priorities and pain points, not to verify claims or determine rankings.
How do I get a personal loan fast?
The fastest way to get a personal loan is to apply with an online lender
that offers same-day or next-day funding. Make sure your documents are ready to speed up the process.
Do personal loans build credit?
Yes, personal loans can build credit when you
make on-time payments. Your payment history is reported to the credit bureaus, which can improve your
score. Missed payments can harm your credit.
How much will a $10,000 loan cost a month?
The monthly payment on a $10,000
personal loan depends on your interest rate and the length of your repayment term. Shorter terms have
higher monthly payments but cost less overall. Longer terms reduce the payment but increase the total
interest paid.
What is the interest rate on a personal loan?
Personal loan interest rates
typically range from about 6% to 36%, depending on your credit score, income, and the lender. Borrowers
with good or excellent credit usually qualify for the lowest rates, while those with lower credit scores
may pay higher interest rates.
Can I get a personal loan with bad credit?
Yes, it is possible to get a personal
loan with bad credit. Some lenders specialize in bad credit personal loans, though interest rates are
usually higher. Improving your credit or applying with a co-signer can help you qualify for better
terms.
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Compare multiple loan offers fast
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Best for: Borrowers who want to quickly compare multiple personal loan offers.
LendingTree is an online loan marketplace that connects borrowers with more than 500 personal loan lenders. Instead of applying with individual lenders one by one, users can submit a single request to compare multiple personal loan offers in one place. The platform is free to use, and checking potential offers typically involves a soft credit inquiry, which does not affect your credit score.
Interest rates, loan terms, and fees vary depending on the lender you choose, but LendingTree’s large network and streamlined comparison process make it a popular choice for borrowers looking to compare personal loan rates, find competitive offers, and shop lenders efficiently without committing to a hard credit check upfront.
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Get a bigger loan and faster funding
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Best for: Borrowers with good to excellent credit who need a larger loan amount and want fast funding.
SoFi is a direct online lender that offers personal loans starting at $5,000 with repayment terms of 24 to 84 months. With loan amounts available up to $100,000, SoFi stands out as a strong option for borrowers who need to finance larger expenses than many other personal loan lenders allow.
Another key advantage is SoFi’s fast funding timeline. Borrowers may be eligible for same-day funding if they sign the loan agreement by 5:30 PM ET on a business day, though funding speed can vary depending on the application and verification process. SoFi personal loans generally have minimal fees, but origination fees may apply and range from 0% to 7%, depending on the loan option selected.
To qualify, borrowers typically need a FICO credit score of good to excellent. Applicants without strong credit may face higher APRs and may not qualify for SoFi’s lowest advertised rates, making this lender best suited for well-qualified borrowers seeking competitive terms and larger loan limits.
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Quick prequalification and easy comparisons
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Best for: Borrowers who want fast prequalification and a relatively streamlined comparison process.
Credible is an online loan marketplace designed for low-friction rate shopping, allowing borrowers to get prequalified in about two minutes. Checking rates is free and typically involves a soft credit inquiry, which does not affect your credit score during the prequalification process.
Unlike larger marketplaces, Credible is known for offering a more streamlined comparison experience, with borrowers generally less likely to receive a high volume of calls, texts, or emails from multiple lenders after checking rates. Credible partners with around 20 lenders, and final loan terms—including APR, fees, and funding speed—will depend on the lender you choose and the completion of a full application.
Advertised rates (currently 6.49% to 35.99% APR) may include lender discounts for enrolling in autopay or loyalty programs, where applicable. Actual rates may vary based on the lender’s eligibility criteria, credit profile, and other underwriting factors.
Disclaimers
BestMoney.com provides general educational information and comparisons and does not provide financial, legal, or tax advice. Consider consulting qualified professionals and confirming current terms directly with lenders/providers.
† Credible Terms and Conditions:
Close with a better rate than you prequalify for on Credible and get a $200 gift card. Terms Apply.
Rates for personal loans provided by lenders on the
Credible platform range between 6.25% - 35.99% APR with terms from 12 to 120 months. Credible also works
with network Partners like MoneyLion and AmONE, who offer loan and other products with different rates
and terms than described here. Rates presented include lender discounts for enrolling in autopay and
loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown
and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan
amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available
typically require excellent credit, and for some lenders, may be reserved for specific loan purposes
and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to
12%. Each lender has their own qualification criteria with respect to their autopay and loyalty
discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to
qualify for the autopay discount). All rates are determined by the lender and must be agreed upon
between the borrower and the borrower’s chosen lender.
For a loan of $10,000 with a three
year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the
borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32,
assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time
payments, and full performance of all terms and conditions of the loan contract and any discount
programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower
will pay a total of $11,279.43.
As of March 3, 2022, none of the lenders on our platform
require a down payment nor do they charge any prepayment penalties.
* LightStream Terms and Conditions:
*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit
profile. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding.
Rates without AutoPay may be higher. Subject to credit approval. Conditions and limitations apply.
Advertised rates and terms are subject to change without notice.
Payment example: Monthly
payments for a $10,000 loan at 4.99% APR with a term of 3 years would result in 36 monthly payments of
$299.66.
SunTrust now Truist is an Equal Housing Lender. © 2020 Truist Financial Corporation.
SunTrust®, Truist, LightStream®, the LightStream logo, and the SunTrust logo are service marks of Trust
Financial Corporation. All rights reserved. All other trademarks are the property of their respective
owners. Lending services provided by SunTrust now Truist Bank.
You can fund your loan today
if today is a banking business day, your application is approved, and you complete the following steps
by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with
your funding preferences and relevant banking information; and (3) complete the final verification
process.
After receiving your loan from us, if you are not completely satisfied with your
experience, please contact us. We will email you a questionnaire so we can improve our services. When we
receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you
receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to
one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.
‡ Upgrade Terms and Conditions:
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.
* Best Egg Terms and Conditions:
*Trustpilot TrustScore as of December 2022. Best Egg loans are personal loans made by Cross River Bank,
a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank,
N.A., Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank &
Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered
trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a
trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement
between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a
subsidiary of Best Egg, Inc.
The term, amount, and APR of any loan we offer to you will
depend on your credit score, income, debt payment obligations, loan amount, credit history and other
factors. Your loan agreement will contain specific terms and conditions. About half of our customers get
their money the next day. After successful verification, your money can be deposited in your bank
account within 1-3 business days. The timing of available funds upon loan approval may vary depending
upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a
minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your
total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from
6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an
origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you
receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term
will impact your APR, which may be higher than our lowest advertised rate.
You need a
minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest
APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and
a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government
fight the funding of terrorism and money laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth,
and other information that will allow us to identify you. We may also ask to see your driver’s license
or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West
Virginia, the District of Columbia, or U.S. Territories.
TO REPORT A PROBLEM OR COMPLAINT
WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com,
Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and
regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O.
Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or
complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/
* Achieve Terms and Conditions:
1. Home Equity loans are available through Achieve Loans (NMLS ID #227977), Equal Housing Lender. All
loan requests are subject to eligibility requirements, application review, loan amount, loan term, and
lender approval. Product terms are subject to change at any time. Home loans are a line of credit.
Loans are not available to residents of all states and available loan terms/fees may vary by
state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on
debt-to-income ratio and loan-to-value ratio. Minimum 640 credit score applies for debt consolidation
requests, minimum 670 applies for cash out requests.
Fixed rate APRs range from 6.74% -
14.75% and are assigned based on underwriting requirements and offer APRs include a .50% discount for
automatic payment enrollment (autopay enrollment is not a condition of loan
approval).
Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly
payment of $951 for a 15-year loan. 10-year and 15-year terms available. Both terms have a 5-year draw
period with the remaining term being a no draw period. Payments are fully amortized during each period
and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685,
depending on line amount and state law requirements and typically include origination (2.5% of line
amount) and underwriting ($725) fees if allowed by law.
Property must be owner-occupied and
combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is
required and flood insurance may be required if the subject property is located in a flood zone. You
must pledge your home as collateral.
Average funding time is between 15 to 18 days from
submitted application and documentation and includes rescission. Contact Achieve Loans for further
details.
* Reach Financial Terms and Conditions:
All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply. All loans advertised are unsecured personal loans issued by either Metabank® National association, member FDIC, or FinWise Bank, a Utah chartered commercial bank, member FDIC, as creditor, on the Liberty Lending platform. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, and the loan term you select. Fixed Annual Percentage Rates (APR) range from 5.99% to 35.99%. You could receive a loan of $10,000 with an interest rate of 8.93%, an origination fee of $200, for an APR of 9.80%, which would result in total payment of $12,435 with 60 monthly payments of $207.20. Your actual rate may differ and depends on your credit history, loan amount, and term. Total approved loan amount reflects origination fee, which ranges from 0% to 5%. *Within 24 hours of your loan approval, loan proceeds will be available to pay the creditors named on your Truth-In-Lending Disclosure.
* Universal Credit Terms and Conditions:
Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit's bank partners. Information on Universal Credit's bank partners can be found at https://www.universal-credit.com/bank-partners/.
* LendingClub Terms and Conditions:
Between Jan 2025 to June 2025, 55% of LendingClub Personal Loans that were approved for funding (which
is after your loan application is approved) on a given business day were disbursed within 24 hours.
Actual availability of funds may vary and is dependent on multiple factors, including, but not limited
to your receiving bank’s processing times and policies. A business day is defined as Monday through
Friday and excludes the weekend and bank holidays.
A representative example of payment terms
for a Personal Loan is as follows: a borrower receives a loan of $17,413 for a term of 36 months, with
an interest rate of 12.49% and a 6.00% origination fee of $1,045 for an APR of 16.86%. In this example,
the borrower will receive $16,369 and will make 36 monthly payments of $582. Loan amounts range from
$1,000 to $50,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term
lengths may be unavailable in certain states.
For Personal Loans, APR ranges from 7.90% to
35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are
determined at the time of application. Lowest APR is available to borrowers with excellent credit.
Advertised rates and fees are valid as of April 22, 2025 and are subject to change without
notice.
Loans are made by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender
(“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub
Bank is not an affiliate of Natural Intelligence, which is an unrelated third party (“third party”).
LendingClub Bank is not responsible for any products and services provided by this third party. Credit
eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient
investor commitment. Credit union membership may be required. Certain information that LendingClub Bank
subsequently obtains as part of the application process (including but not limited to information in
your consumer report, your income, the loan amount that your request, the purpose of your loan, and
qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is
contingent on accepting all required agreements and disclosures at LendingClub.com. “LendingClub” and
the “LC” symbol are trademarks of LendingClub Bank.
* OneMain Financial Terms and Conditions:
You must complete a loan application and continue to meet any criteria used to select you for a loan
offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state
of residence and ability to meet OneMain Financial credit standards such as a responsible credit
history, sufficient income after monthly expenses, and if applicable, availability of eligible
collateral.
Not all approved applicants qualify for larger loan amounts, lower APRs, or
the most favorable loan terms. For example, larger loan amounts typically require a first lien on a
motor vehicle that is no more than ten years old, meets our value requirements, and is titled in
applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle.
Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have
monthly payments of $176.07.
OneMain charges origination fees allowed by law. Depending on
the state where the loan is opened, the origination fee may be either a flat amount or a percentage of
the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state,
ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For
information about these fees and minimum and maximum loan sizes available in certain states, visit
omf.com/loanfees.
Current OneMain Customers: Loan offers presented to a consumer assume
the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new
loan offer, a OneMain representative will discuss available options.
Active-duty military,
their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as
collateral. If you are covered by the MLA, you are not eligible for secured loans.
Loan
proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z
such as college, university or vocational expense; for any business or commercial purpose; to purchase
cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or
illegal purposes.
Time to Fund Loans: Funding within one hour after loan closing through
SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to
1-2 business days after closing.
* Splash Financial Terms and Conditions:
Splash Financial, Inc. (NMLS # 1630038) Terms and conditions apply. Products may not be available in
all states. The information you provide to us is an inquiry to determine whether Splash’s lending
partners can make you a loan offer, but it does not guarantee you will receive any loan offers. Splash
marketplace offers rates between 10.24% to 26.39% APR. Rates are subject to change without notice. Not
all applicants qualify for the lowest rate.
The lowest rates are reserved for the most
creditworthy applicants and depend on credit score, loan term, and other factors. Personal loans offered
through Splash may have an origination fee up to 7.49% which may be deducted from the loan
proceeds.
Lowest rates may require AutoPay and may require paying off a portion of existing
debt directly. The AutoPay discount requires you to agree to make monthly principal and interest
payments by an automatic monthly deduction from a savings or checking account. The AutoPay discount will
not be applied if AutoPay is not in effect. See the loan agreement for details.
Personal
loans are solely for personal, family, or household purposes and may not be used to purchase or
refinance real estate, securities, or other investments. Personal loans may not be used for business
purposes, to finance post-secondary education expenses, for short-term bridge financing, or for any
illegal purpose.
¹ To check the rates and terms you qualify for, Splash Financial conducts a
soft credit pull that will not affect your credit score. However, if you choose a product and continue
your application, the lender will request your full credit report from one or more consumer reporting
agencies, which is considered a hard credit pull and may affect your credit.
²Loans feature
repayment terms of 24 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and
a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would
receive $9,500 in your account and would have a required monthly payment of $343.33.
³ Once
you have successfully completed the loan application process, it typically takes one to two business
days to receive funds. However, funding may take up to two weeks.
* Santander Bank Terms and Conditions
Personal Loans are subject to individual approval and meeting our credit standards. Your primary
residence must be located in AZ, CA, CT, CO, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, MN, MO, NC, NJ, NH,
NY, OH, OR, PA, RI, TN, TX, VA, VT, or WA. The fixed loan Annual Percentage Rate (APR) will depend on
your creditworthiness and use of automatic payments (ePay) from any deposit account. The APR on a
Personal Loan will increase by 0.25 percentage points and the payment will increase, if ePay is not
elected or is discontinued. Fixed loan APRs (with ePay) range from 7.99% to 24.99% and are subject to
change without notice. Loan amounts range from $5,000 to $50,000. Loan repayment terms range from 36
months to 84 months. All terms are subject to change without notice. Personal Loans cannot be used to
finance post-secondary educational expenses.
Personal Loan Monthly Payment Example: For a
personal loan of $20,000 with a 60-month term at 15.49% APR, the monthly payment amount is approximately
$480.96 to repay your loan in 60 payments. This example is an estimate only and assumes all payments are
made on time.
Based on the time your application is received, same-day funding is available
in many cases, depending on your creditworthiness and the funding instructions you
provide.
Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco
Santander, S.A. ©2024
Santander Bank, N.A. All rights reserved. Santander, Santander Bank and
the Flame logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other
countries. All other trademarks are the property of their owners.
* SoFi® Terms and Conditions:
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS
AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible
status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers
receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers.If approved, your
actual rate will be within the range of rates at the time of application and will depend on a variety of
factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi
is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may
be outside the range of rates listed above. Rates and Terms are subject to change at any time without
notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may
not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi
Personal Loans funded in 2024 was around $33K. Information current as of 02/23/26. SoFi Personal Loans
originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (http://www.nmlsconsumeraccess.org/ and state restrictions). See http://sofi.com/legal for state-specific license
details. See http://sofi.com/eligibility for
details
Fixed rates from 8.74% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate
discount and a 0.25% SoFi Plus interest rate discount. SoFi Platform personal loans are made either by
SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal
Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank.
These rate ranges are current as of 02/04/26 and are subject to change without notice. Not all rates and
amounts available in all states. See SoFi Personal Loan eligibility details at personal http://sofi.com/eligibility. Not all applicants
qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate
will be within the range of rates listed above and will depend on a variety of factors, including
evaluation of your credit worthiness, income, and other factors.
Loan amounts range from
$5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate
and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be
deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee
of 0%-7%, will be deducted from any loan proceeds you receive.
Autopay: The
SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest
payments by an automatic monthly deduction from a savings or checking account. The benefit will
discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or
checking account. Autopay is not required to receive a loan from
SoFi.
SoFi Plus Discount: SoFi Plus members are eligible for an
interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the
SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus
eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the
interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The
discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each
time your loan is re-amortized, your monthly payment amount will change based upon the interest rate
that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants
at any time. You are not required to enroll in SoFi Plus to be eligible for Loan
approval.
¹Borrow Better Week Rate Drop: Additional terms and
conditions apply. Limited time 0.50% BPS rate drop for new Personal Loan, Student Loan Refinancing,
Private Student Loan, and Home Equity Loan applications started between 3/17/26 – 3/23/26 and is subject
to lender approval. Promotion does not include Home Loan purchase, refinance, or HELOC applications. To
receive the discount, you must start a loan application with SoFi between 3/17/26 and 3/23/26 at 11:59PM
PST and meet SoFi’s underwriting criteria.
