Best Personal Loans

70 Companies

5,918 Real Customer Reviews

4.6
Average User Rating

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Compare The Top Personal Loans CompaniesSort By:

9.0

Overall Score

  • APR: 5.99% - 29.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 640
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Best Egg

  • APR: 5.99% - 29.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 640

6.8

Overall Score

  • APR: 4.99% - 29.99%
  • Max Loan Amount: $10,000 - $35,000
  • Credit Score Requirement: 670+
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FreedomPlus

  • APR: 4.99% - 29.99%
  • Max Loan Amount: $10,000 - $35,000
  • Credit Score Requirement: 670+

6.5

Overall Score

106 User Reviews

17 days ago

  • APR: 6.255% – 15.115%
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680
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SoFi

  • APR: 6.255% – 15.115%
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

6.2

Overall Score

327 User Reviews

18 days ago

  • APR: 9.57% - 29.99%
  • Max Loan Amount: $50,000
  • Credit Score Requirement: 620
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Upstart

  • APR: 9.57% - 29.99%
  • Max Loan Amount: $50,000
  • Credit Score Requirement: 620

6.0

Overall Score

71 User Reviews

3 days ago

  • APR: 6.87% - 35.97%*
  • Max Loan Amount: $50,000
  • Max Loan Length: 60 Months
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Upgrade

  • APR: 6.87% - 35.97%*
  • Max Loan Amount: $50,000
  • Max Loan Length: 60 Months

5.8

Overall Score

55 User Reviews

25 days ago

  • APR: 6.16% - 35.89%
  • Max Loan Amount: $40,000
  • Average Credit Score: 699
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Lending Club

  • APR: 6.16% - 35.89%
  • Max Loan Amount: $40,000
  • Average Credit Score: 699

5.2

Overall Score

30 User Reviews

5 days ago

  • APR: 3.09% - 14.24%*
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

LightStream

  • APR: 3.09% - 14.24%*
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

5.1

Overall Score

224 User Reviews

a month ago

  • APR: 16.05% - 35.99%
  • Max Loan Amount: $15,000
  • Credit Score Requirement: Varies
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OneMain Financial

  • APR: 16.05% - 35.99%
  • Max Loan Amount: $15,000
  • Credit Score Requirement: Varies

4.4

Overall Score

25 User Reviews

18 days ago

  • APR: 6.99% - 24.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 750

Discover Personal Loans

  • APR: 6.99% - 24.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 750

4.2

Overall Score

20 User Reviews

19 days ago

  • APR: 9.9%+
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 645

LoanMe

  • APR: 9.9%+
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 645
#1
  • APR: 5.99% - 29.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 640

Best Egg is a personal loans lender and has been in operation since 2014. It has funded over $6 billion in loans. Most Best Egg personal loans are used to consolidate high-interest debt, like credit card debt. Best Egg loans are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.

Loan amounts generally range from $2,000-$35,000. Best Egg offers fixed term plans and origination fees from 0.99-5.99 percent. Offers up to $50,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $50,000 is $130,000. The company boasts an A+ rating with BBB and has served more than 420,000 customers.

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#2
  • APR: 4.99% - 29.99%
  • Max Loan Amount: $10,000 - $35,000
  • Credit Score Requirement: 670+

Since its founding in 2014, FreedomPlus has aimed to create a unique and valuable personal loan experience for its customers. The lending company consistently does this by providing quality loans that meet individual needs through its sophisticated yet simple application and vetting process. FreedomPlus also provides professional advice through knowledgeable loan consultants and experts.

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#3
  • APR: 6.255% – 15.115%
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

Founded in 2011, SoFi is an excellent financial solution for emerging professionals and students. To date, SoFi has issued over $14 billion in financial solutions. SoFi personal loans are consistently among the best in the industry with low rates and high maximum loan amounts. The company is currently headquartered in San Francisco, California.

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#4
  • APR: 9.57% - 29.99%
  • Max Loan Amount: $50,000
  • Credit Score Requirement: 620

Upstart is a peer-to-peer lending personal loan company that offers financial solutions primarily for recent college graduates and young professionals. Borrowers can obtain unsecured loans at fixed rates.

What separates Upstart from other personal loan online lenders is its unique approval process. For a recent college graduate, Upstart looks at other factors such as education and employment history instead of only credit history. Because this process is tailored to meet the individual applicant, Upstart states it is able to save its borrowers over 23 percent compared to high-interest credit card rates.

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#5
  • APR: 6.87% - 35.97%*
  • Max Loan Amount: $50,000
  • Max Loan Length: 60 Months

Upgrade was established in 2016 by Renaud Laplanche, Soul Htite, and a team of experienced industry veterans. The company is an online lending platform that combines personal loans with free credit monitoring, alerts, and education features, which helps borrowers secure more affordable credit now and in the future. Upgrade offers affordable loans from $1,000 to $50,000 with low fixed rates ranging from 6.87 percent to 35.97 percent.* Additionally, the company's flexible loan options are made to fit each borrower's budget. Borrowers can pick their loan amount and term (36 or 60 months).

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#6
  • APR: 6.16% - 35.89%
  • Max Loan Amount: $40,000
  • Average Credit Score: 699

Lending Club offers personal loans to applicants with good to great credit. Most borrowers use the company's loans to consolidate high-interest credit card debt. After having a personal loan for three months, some borrowers have been able to raise their credit score 21 points. Lending Club is credited for creating the peer-to-peer lending model, which has private investors fund loans instead of banks. It is also the largest online personal loan lender in the world, having provided over $22 billion in loans since its creation in 2008.

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#7
  • APR: 3.09% - 14.24%*
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

LightStream is a national online consumer lending division of SunTrust Bank. From the convenience of a computer or mobile device, LightStream offers its customers highly competitive fixed rate financing. The company advertises a hassle-free loan that rewards customers for their good credit and promises the best loan experience possible.

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#8
  • APR: 16.05% - 35.99%
  • Max Loan Amount: $15,000
  • Credit Score Requirement: Varies

Formerly known as CitiFinancial, OneMain Financial has been offering financial solutions since 1912 and has nearly 1,700 local branches in 44 states. Springleaf Financial acquired OneMain Financial in 2015 and the combined companies are now known as OneMain.

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#9
  • APR: 6.99% - 24.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 750

Discover recognizes that people and families have financial challenges. To help customers meet their obligations and pay for unforeseen expenses, large projects, or emergencies, the company has made personal loans available to its customers. Whether you would like to consolidate debt, pay for a remodeling project, or just need some extra help for a short time, a personal loan might be the perfect option for you.

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#10

LoanMe

4.2Overall Score
  • APR: 9.9%+
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 645

Founded in 2013 and headquartered in California, LoanMe is a lending company that offers both personal and small business loans to residents of California, Arizona, Delaware, Idaho, Kentucky, Missouri, New Mexico, South Carolina, Utah, and Wisconsin. All of its loans are unsecured and are typically used for one-time purchases or debt consolidation. The company advertises a quick, easy application and approval process for qualified applicants.

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