Best Personal Loans Reviews

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.

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.

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.

BankRate

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

Upgrade offers personal loans of up 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.

Upstart

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.

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.

Fiona

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.

Marcus

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.

AmOne

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.

MagnifyMoney

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.

OneMain Financial

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.

5KFUNDS

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

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.

LoansUnder36

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

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.

FastLoanAdvance

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.

LifeLoans

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.

LendingPoint

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.

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.

Achieve

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.

LendingClub

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.

Prosper

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.

GuidetoLenders

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.

Freedom DR

Personal Loan Pro

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.

Figure

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.

Fast Track Debt Relief

Fast Track Debt Relief specializes in negotiating debt settlements on behalf of its clients. If you owe a certain amount of unsecured debt to one or more creditors, Fast Track may be able to get those creditors to reduce the amount of money you owe.

Earnest

Payoff

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.

EasyLoanMatch

Brighten Loans

HSBC

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.

TotalPersonalLoan

TotalPersonalLoan offers a simple solution to users looking for a quick loan of up to $35,000. Unlike traditional lending solutions, TotalPersonalLoan is a completely free, no obligation service that has an extensive network of lenders so you can receive an offer in real-time.

National Money

NationalMoney.com is an online marketplace for personal loans ranging from $200 to $30,000. It exists to connect borrowers with personal loans from its network of lending partners. It collects your details using an online form, then uses those details in an attempt to connect you with one of its many lending partners. If you like one of the options provided, just click on the lender to be taken to their website and complete the process.

CreditArm

CreditArm is an online loans marketplace that connects users with personal loans from handpicked lenders. Its website is designed in a way that lets the user quickly and easily see rates. To apply for a loan, just spend a couple of minutes filling out some basic personal and financial details. Then, CreditArm will show you the most suitable tailored deals it can find for you from its network of lenders.

PersonalLoans.com

PersonalLoans.com, a subsidiary of Cash Advance, is a search aggregator that works an on entirely online model, using affiliates and partners to give borrowers access to a wide range of options. Designed to make it easier to compare borrowing options, PersonalLoans.com can trace its roots back to the 1990s and has had a long history of success.

Payoff

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.

SuperMoney

SuperMoney’s leading multi-lender marketplace makes it easy to get loan offers from competing lenders in real time - all without affecting your credit score. With SuperMoney’s debt consolidation loan offers engine, qualified borrowers fill out a short online form and get debt consolidation loan offers back in seconds.

Next Day Personal Loan

Next Day Personal Loan is a lending marketplace headquartered in Kansas that can help you find a lender for loans of $100 to $40,000. As these are classified as personal loans, you don’t have to use any collateral assets to secure them. Requesting a loan is easy thanks to a simple form that takes just a couple of minutes to fill in. Because this platform works with multiple lenders, no minimum credit score is needed to use it.

Gravity Lending

Gravity Lending is an online marketplace that connects you with other lenders for the best rate and terms. They focus primarily on auto loans but offer several other options, too. Their application process is fast and easy, and funding happens quickly. If you're looking to refinance your auto loan from the comfort of your home, Gravity Lending may be a very good option for you.

LendGenius

LendGenius is a loan marketplace that offers personal loans of up to $35,000. You can use the loan money for anything you need, such as large purchases and tuition, and you can get the money in as little as one business day after approval. Also, LendGenius works with direct lenders that will approve you even with poor credit, so no minimum credit score is required.

Credit Direct

Credit Direct is a lending platform that allows you to quickly apply for a personal loan online, without leaving home or waiting for days or weeks for approval. Unlike aggregator sites that only connect you to multiple lenders, Credit Direct offers loans through their company, as well as through trusted network partners.

First Republic Bank

First Republic Bank offers personal lines of credit with low fixed interest rates. Founded in 1989, this lender provides banking and loan services around the United States. First Republic Bank offers more extensive personal lines of credit than most other banks, allowing borrowers to refinance their debt, including student loans, home expenses, car loans, and more. This lender also has an A+ rating from the Better Business Bureau.

PersonalLoanOnline

PersonalLoanOnline works with a network of lenders across the US. Although the company isn’t a direct loan provider, its partners provide personal loans between $100 and $35,000. The application process takes less than five minutes and, if successful, you could receive your funds within 24 hours.

PenFed

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.

Stilt

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.

Cash.com

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.

Splash Financial

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 6.99% 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

Reach Financial

Reach Financial 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. Reach Financial is great for those seeking an easy personal loan service.

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.

NerdWallet

NerdWallet is a San Francisco-based financial services platform that offers a comparison tool to help users find the right personal loan for their needs. You can sort all of the personal loan providers NerdWallet works with by loan amount, loan term, or interest rate. You can also pre-qualify for and 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.

Mariner Finance

Mariner Finance offers personal loans ideal for borrowers with fair or good credit history. You can borrow $1,000-$25,000, 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.