Rates from (APR)
7.99-35.99%
| Achieve Personal Loans Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: Does not disclose |
| Origination Fee: 1.99% to 6.99% | Check processing fee: $15 | Do they allow a cosigner: Yes |
| Late fee: 5% of late payment or $15 (whichever is greater) | Time to fund: If approved, funds sent within 24-72 hours | Best for: Consolidating high-interest debt |
Rates from (APR)
9.95-35.99%
| Avant Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $15 | Minimum Credit Score: 550 |
| Origination Fee: 0.95% to 4.75% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $25 | Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday) | Best for: Borrowers with poor credit |
Rates from (APR)
7.99-15.19%
| Axos Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: 740 |
| Origination Fee: 0% to 2% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $15 | Time to fund: As soon as the next business day after successful verification | Best for: Borrowers with excellent credit |
Rates from (APR)
8.99-35.99%
| Best Egg Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $15 | Minimum Credit Score: 600 |
| Origination Fee: 0.99% to 8.99% | Check processing fee: $7 | Do they allow a cosigner: No |
| Late fee: $15 | Time to fund: As soon as 1 – 3 business days after successful verification | Best for: Borrowers with good credit, fast funding, credit card refinancing |
Rates from (APR)
6.99-24.99%
| Discover Personal Loans Details |
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| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: 660 |
| Origination Fee: None | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $39 | Time to fund: Funds can be sent as soon as the next business day after acceptance | Best for: Borrowers with good to excellent credit, long repayment terms |
Rates from (APR)
10.50-29.99%
| Happy Money Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: 600 |
| Origination Fee: 2% to 5% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: None | Time to fund: As soon as 2 – 5 business days after verification | Best for: Consolidating credit card debt, boosting your credit score |
Rates from (APR)
8.30-35.89%
| LendingClub Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $15 | Minimum Credit Score: 660 |
| Origination Fee: 3% to 6% | Check processing fee: $7 | Do they allow a cosigner: No, but co-borrowers allowed |
| Late fee: 5% of late payment or $15 (whichever is greater) | Time to fund: As little as 44 hours5 | Best for: Credit card debt consolidation, borrowers with strong credit and low DTI |
Rates from (APR)
7.99-35.99%
| LendingPoint Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: 600 |
| Origination Fee: 0% to 8% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $30 | Time to fund: As soon as the next business day | Best for: Borrowers with near-prime credit |
Rates from (APR)
7.49-24.49%4
Loan amount
Up to $100,000
| LightStream Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: 700 |
| Origination Fee: None | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: None | Time to fund: As soon as the same business day | Best for: Good credit, home improvement, large loan amounts |
Rates from (APR)
18.00-35.99%
| OneMain Financial Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $10 to $50 | Minimum Credit Score: None |
| Origination Fee: $25 to $500 | Check processing fee: None | Do they allow a cosigner: Yes |
| Late fee: $5 – $30 | Time to fund: As soon as 1 – 2 days after approval | Best for: Borrowers with below-average credit, debt consolidation, small loan amounts |
Rates from (APR)
8.49-17.99%
| PenFed Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $30 | Minimum Credit Score: 700 |
| Origination Fee: None | Check processing fee: None | Do they allow a cosigner: Yes |
| Late fee: $29 | Time to fund: Typically 2 business days after verification | Best for: Borrowers who need a cosigner |
Rates from (APR)
5.99-35.99%
| Reach Financial Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $25 | Minimum Credit Score: 640 |
| Origination Fee: 0% to 8% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $15 | Time to fund: Funds typically deposited into your account in 1 business day | Best for: Customizable monthly payments, debt consolidation, credit card refinancing |
Rates from (APR)
8.99-23.43%3
Loan amount
Up to $100,000
| SoFi Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: Does not disclose |
| Origination Fee: None required | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: None | Time to fund: Typically within a few days, given approval and bank account verification | Best for: Borrower perks, large loan amounts |
Rates from (APR)
11.69-35.99%
Loan term
3, 5, or 7 years
| Universal Credit Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $10 | Minimum Credit Score: 560 |
| Origination Fee: 5.25% to 9.99% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $10 | Time to fund: As soon as 1 business day after acceptance | Best for: Borrowers who want to build their credit |
Rates from (APR)
8.49-35.99%
| Upgrade Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $10 | Minimum Credit Score: 600 |
| Origination Fee: 1.85% to 9.99% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: $10 | Time to fund: Within a day of clearing necessary verifications | Best for: Fast loan funding, building credit |
Rates from (APR)
5.40-35.99%
Loan term
3, 5, or 7 years
| Upstart Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: $15 | Minimum Credit Score: 580 |
| Origination Fee: 0% to 10% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: 5% of late payment or $15 (whichever is greater) | Time to fund: As soon as 1 – 3 business days | Best for: Borrowers with little to no credit history |
Rates from (APR)
8.00-30.00%
| Zable Details | ||
| Prepayment penalty: None | Unsuccessful payment fee: None | Minimum Credit Score: 600 |
| Origination Fee: 5% to 9% | Check processing fee: None | Do they allow a cosigner: No |
| Late fee: None | Time to fund: As soon as next day if approved by 3:30pm Eastern Time | Best for: Bad credit, last-minute needs, debt consolidation |
