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Personal Loans Reviews | Bestmoney.com

Delve into rates, terms and amounts to compare the best online personal loan companies and find the right one for you.

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Our Top Pick
LendingTree
Jan. 30, 2025
5 min read

LendingTree

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.
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Credible
Feb. 10, 2026
5 min read

Credible

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.

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SoFi®
Dec. 11, 2025
9 min read

SoFi®

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.
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Achieve Personal Loans
Jul. 07, 2025
4 min read

Achieve Personal Loans

Achieve Loans¹ provides home equity lines of credit (HELOCs) that homeowners can use for a variety of purposes. The company works with people across the credit spectrum, and applying online is fast and easy. Not only that, but you could get funds quickly.

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Only for Homeowners
AmeriSave Mortgage
Feb. 10, 2026
2 min read

AmeriSave Mortgage

AmeriSave Mortgage Corporation is a full-service mortgage lender operating in 49 states and DC. Established in Atlanta in 2002, it has funded 220,000+ homes for a total value of nearly $130 billion. AmeriSave is known for offering streamlined online applications with the option of contacting customer support any time you need assistance.
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Best Egg
May. 07, 2025
5 min read

Best Egg

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.
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Only For Homeowners
Unlock
Jan. 10, 2026
1 min read

Unlock

Unlock offers a unique Home Equity Agreement (HEA) product that allows homeowners to access up to $500,000 of their home equity without incurring monthly debt repayments. Unlike traditional home equity loans or HELOCs, Unlock provides a lump sum in exchange for a share in the future value of the home.
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LightStream
Jan. 30, 2025
5 min read

LightStream

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.
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Avant
Feb. 10, 2026
3 min read

Avant

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.
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Happy Money
Jan. 30, 2025
4 min read

Happy Money

Happy Money is a financial technology company founded in 2009 that partners with financial institutions like credit unions. It has funded over $5.9 billion in personal loans, helping over 319,000 members. The company focuses solely on one type of personal loan—a credit card consolidation product called The Payoff Loan for those who want to simplify their finances, save money, and improve their credit scores by paying off credit cards.
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