Personal Loans
What are you looking for? Let us help you narrow your results.
What are you looking for? Let us help you narrow your results.
Payoff Personal Loans
Annual Income: $40,000 or more
Credit History: At least 3 years
Credit Score: 640 or higher
Loan Amount
Up to $40,000
Loan Term
2 to 5 years
Estimated APR
5.99 - 24.99%
Time to Funds
As fast as 24 hours
Why we like it
- Payoff allows you to borrow up to $35,000, with rates as low as 5.99%.
- A personal loan through Payoff may help boost your credit score.
- They have few fees.
- The requirements are transparent.
SoFi Personal Loans
Annual Income: $45,000 or more
Credit History: 2 years or more
Credit Score: 680 or better
Loan Amount
Up to $100,000
Loan Term
2 to 7 years
Estimated APR
5.99 – 18.53%
Time to Funds
As fast as 24 hours
Why we like it
- Personal loan amounts up to $100,000
- Repayment terms up to 7 years
- Monthly autopay discount available
- No origination fee or prepayment penalty
Marcus by Goldman Sachs® Personal Loans
Annual Income: Did not disclose
Credit History: At least 2 years
Credit Score: 680 or better
Loan Amount
Up to $40,000
Loan Term
3 to 7 years
Estimated APR
6.99 – 19.99%
Time to Funds
As fast as 18 hours
Why we like it
- Marcus doesn’t charge fees on its personal loans.
- Borrowers can adjust or defer payment.
- Borrowers can opt-in for autopay to receive a rate discount.
OneMain Financial
Annual Income: None disclosed
Credit History: None disclosed
Credit Score: None disclosed
Loan Amount
Up to $20,000
Loan Term
2 - 5 years
Estimated APR
18.00 - 35.99%
Time to Funds
As fast as 24 hours
Why we like it
- Qualified borrowers may receive fast funding
- Multiple borrowers are allowed on an application
- No minimum credit scores
- Loans up to $20,000
Avant Personal Loans
Annual Income: $20,000 or more
Credit History: At least 2 years
Credit Score: 580 or better
Loan Amount
Up to $35,000
Loan Term
2 to 5 years
Estimated APR
9.95 - 35.99%
Time to Funds
As fast as 24 hours
Why we like it
- Can receive funds the next business day
- Minimum 580 credit score to apply
- No co-signer or collateral required
- No prepayment penalty
Upstart
Annual Income: $12,000 or more
Credit History: None disclosed
Credit Score: 600 or better
Loan Amount
Up to $50,000
Loan Term
3 or 5 years
Estimated APR
7.98 - 35.99%
Time to Funds
As fast as 24 hours
Why we like it
- Education history and job history help determine interest rates
- Loans have a 3 or 5-year repayment term with monthly payments
- No prepayment penalty
- Can receive loan funds the next business day
Prosper Personal Loans
Annual Income: None required
Credit History: At least 2 years
Credit Score: 640 or better
Loan Amount
Up to $40,000
Loan Term
3 or 5 years
Estimated APR
7.95 - 35.99%
Time to Funds
As little as 5 days
Why we like it
- Personal loans up to $40,000
- No prepayment penalty
- No minimum income requirement
- Fixed interest rates start at 7.95% APR
Upgrade Personal Loans
Annual Income: None disclosed
Credit History: At least 2 years
Credit Score: 580 or better
Loan Amount
Up to $35,000
Loan Term
3 to 5 years
Estimated APR
7.99 - 35.97%
Time to Funds
As little as 4 days
Why we like it
- Allows potential borrowers to pre-qualify with soft credit pull.
- High debt-to-income ratio and co-applicants are permitted.
- The approval and funding process is quick.
- Offers payment flexibility.
LendingPoint
Annual Income: $20,000 or more
Credit History: At least 2 years
Credit Score: 585 or better
Loan Amount
Up to $25,000
Loan Term
2 to 4 years
Estimated APR
15.49 - 35.49%
Time to Funds
As fast as 24 hours
Why we like it
- Biweekly or monthly payments available
- Can receive funding in one business day
- Borrowers only need a 585 personal credit score
- No prepayment penalty
LendingClub Personal Loans
Annual Income: Did not disclose
Credit History: At least 2 years
Credit Score: 600 or better
Loan Amount
Up to $40,000
Loan Term
3 or 5 years
Estimated APR
10.68 - 35.89%
Time to Funds
As little as 4 days
Why we like it
- Can add co-borrowers
- Minimum 600 personal credit score to apply
- Fixed monthly payments
- No prepayment penalty
Rocket Loans
Annual Income: $40,000 or more
Credit History: At least 2 years
Credit Score: 580 or better
Loan Amount
Up to $45,000
Loan Term
3 or 5 years
Estimated APR
7.16 - 29.99%
Time to Funds
As fast as 24 hours
Why we like it
- Same-day funding available
- Autopay discount
- No prepayment penalty
- Competitive interest rates and borrowing amounts
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