This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
| APR | 6.25–35.99% |
|---|---|
| Amount | $5k–$50k |
| Term | 24–60 months |
| ⚡ | 24-72 hours |
Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.
This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
| APR | 7.74–35.99% |
|---|---|
| Amount | $1k–$50k |
| Term | 24–84 months |
| ⚡ | 1 business day |
Upgrade Personal Loans offers flexible borrowing with competitive rates, but be mindful of potential high APRs for lower credit scores.
This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.
| APR | 19.9–35.95% |
|---|---|
| Amount | $300–$10k |
| Term | 12–48 months |
| ⚡ | Minutes (prequalification), same-day funding |
Oportun offers accessible personal loans for those looking to build credit, with flexible terms and no credit history required.
This service is best for borrowers needing fast funds without the hefty fees of traditional payday loans.
| APR | 60.0–199.0% |
|---|---|
| Amount | $500–$5k |
| Term | 4–26 months |
| ⚡ | Next business day |
RISE Credit is for those seeking quick emergency cash, but be wary of high APRs.
This service is best for individuals needing immediate financial assistance and who may have trouble qualifying with other lenders.
| APR | 34.0–155.0% |
|---|---|
| Amount | $1k–$10k |
| Term | 6–60 months |
| ⚡ | Next business day |
NetCredit provides quick access to personal loans, but high APRs make it costly for long-term borrowing.
This service is best for individuals who need emergency cash and may struggle to get approved by traditional lenders.
| APR | 59.0–199.0% |
|---|---|
| Amount | $500–$4k |
| Term | 9–18 months |
| ⚡ | Same day |
OppLoans provides for borrowers with poor credit wanting quick access to funds, but the high APRs can be burdensome.
These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.
| APR | 7.99–24.99% |
|---|---|
| Amount | $2.5k–$40k |
| Term | 36–84 months |
Discover Personal Loans offer competitive rates and no fees, making them a solid choice for those in need of funding.
These loans are ideal for individuals looking for low-interest rates and no hidden fees, especially if they have a credit score of 640 or higher.
| APR | 6.75–16.0% |
|---|---|
| Amount | $1k–$50k |
| Term | 12–60 months |
Alliant Credit Union offers competitive personal loans with flexible terms and no origination fees, making them a solid option for borrowers.
These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.
| APR | 7.49–22.44% |
|---|---|
| Amount | $5k–$50k |
| Term | 36–84 months |
Citizens Personal Loans offer a flexible borrowing range with competitive rates and no origination fees. However, borrowers should weigh the potential downsides before applying.
This loan is best for individuals seeking to lower their interest rates and improve their financial health through debt consolidation.
| APR | 7.95–35.99% |
|---|---|
| Amount | $5k–$40k |
| Term | 24–60 months |
Happy Money offers a solid option for consolidating credit card debt, with competitive rates and a focus on customer well-being.
This loan is best for individuals with a credit score of 640 or higher who are seeking to simplify their payments and save on interest.
| APR | 7.95–35.99% |
|---|---|
| Amount | $5k–$40k |
| Term | 24–60 months |
The Payoff Credit Card Payoff Loan is a solid option for those looking to consolidate high-interest credit card debt with lower rates and financial wellness tools.
These loans are best for military personnel and their families seeking flexible financing options without origination fees.
| APR | 8.99–18.0% |
|---|---|
| Amount | $250–$50k |
| Term | 6–180 months |
Navy Federal Credit Union offers competitive personal loan rates tailored for military members and their families, making it a solid choice for those eligible.
This service is best for those seeking interest-free payment options and a straightforward repayment process without hidden fees.
| APR | — |
|---|---|
| Amount | $50–$17.5k |
| Term | 3–60 months |
Affirm offers a flexible buy now, pay later solution with transparent terms, making it a viable choice for budget-conscious shoppers.
This service is best for individuals looking for quick access to funds for personal expenses, such as medical bills or home improvements.
| APR | 9.95–35.99% |
|---|---|
| Amount | $2k–$35k |
| Term | 24–60 months |
Avant offers personal loans for those with fair credit, making it a viable option for borrowers with limited credit history.
These loans are best for individuals looking for amounts between $600 and $50,000 without any origination fees and a straightforward application process.
| APR | 6.09–17.99% |
|---|---|
| Amount | $600–$50k |
| Term | 12–60 months |
PenFed offers competitive personal loans with flexible terms, making it a solid choice for those in need of financing.
This loan is best for borrowers looking for larger amounts, ranging from $5,000 to $100,000, without the burden of origination fees or prepayment penalties.
| APR | 7.74–35.49% |
|---|---|
| Amount | $5k–$100k |
| Term | 24–84 months |
SoFi offers a flexible and competitive personal loan option, especially for those with good credit. Its no-fee structure and unemployment protection are noteworthy advantages.
This loan is best for borrowers who need larger amounts ($5,000 to $100,000) and prefer long repayment terms of up to 20 years.
| APR | 6.49–24.89% |
|---|---|
| Amount | $5k–$100k |
| Term | 24–240 months |
LightStream offers competitive personal loan rates with flexible amounts and terms, making it a strong choice for those with excellent credit.
This loan is best for those seeking a flexible borrowing option without the burden of added fees, especially for amounts between $3,500 and $40,000.
| APR | 8.99–29.99% |
|---|---|
| Amount | $3.5k–$40k |
| Term | 36–72 months |
Marcus by Goldman Sachs offers no-fee personal loans with competitive fixed rates, making it a solid choice for borrowers with good credit.
