Best Personal Loans

77 Companies

5,044 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

6.7

Overall Score

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

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

6.5

Overall Score

  • APR: 6.275% – 15.865%
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680
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SoFi

  • APR: 6.275% – 15.865%
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

6.3

Overall Score

326 User Reviews

2 months 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

5.8

Overall Score

51 User Reviews

a month 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

221 User Reviews

19 days 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

5.1

Overall Score

28 User Reviews

a month ago

  • APR: 2.19-17.49%*
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

LightStream

  • APR: 2.19-17.49%*
  • Max Loan Amount: $100,000
  • Credit Score Requirement: 680

4.8

Overall Score

76 User Reviews

6 months ago

  • APR Range: 36%-190%
  • Max Term Length: 4 Months
  • Max Loan Amount: $500
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Fig Loans

  • APR Range: 36%-190%
  • Max Term Length: 4 Months
  • Max Loan Amount: $500

4.8

Overall Score

64 User Reviews

14 days ago

  • APR: 99-199%
  • Max Loan Amount: $5,000
  • Credit Score Requirement: Unknown
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OppLoans

  • APR: 99-199%
  • Max Loan Amount: $5,000
  • Credit Score Requirement: Unknown

4.4

Overall Score

20 User Reviews

a month 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
#1
  • APR: 5.99% - 29.99%
  • Max Loan Amount: $35,000
  • Credit Score Requirement: 640

Best Egg has been offering personal loans since 2014. Since then, it has funded over $5 billion in loans. Most Best Egg personal loans are used to consolidate high-interest 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. 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 300,000 customers. 

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

Since its founding in 2014 FreedomPlus has aimed to create a unique and valuable personal loan experience for its customers. The 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: 6.275% – 15.865%
  • 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 personal loan provider that offers financial solutions primarily for recent college graduates and young professionals. What separates Upstart from other personal loan providers is its unique approval process. For a recent college graduate, Upstart looks heavily at the applicant's GPA, SAT scores, and areas of study, 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 25% compared to high-interest credit card rates.

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#5
  • 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 rather than 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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#6
  • 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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#7
  • APR: 2.19-17.49%*
  • 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 Range: 36%-190%
  • Max Term Length: 4 Months
  • Max Loan Amount: $500

Founded in 2015 in Houston, Texas, Fig Loans began as a collaboration between Fig and United Way THRIVE to create better, more affordable loan products for low-income Americans with bad credit. Fig Loans offers loans ranging from $300 to $500 that are repaid over four installments and set up on a schedule that fits the borrower's needs and budget. Fig Loans will work with its customers to adjust payment dates if necessary. 

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#9
  • APR: 99-199%
  • Max Loan Amount: $5,000
  • Credit Score Requirement: Unknown

OppLoans is a Chicago-based lender that specializes in offering personal loans to consumers. Founded in 2009, OppLoans is well respected by customers and the lending industry alike. The company has an experienced leadership team and strives to make the lending process as simple as possible for its customers.

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#10
  • 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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