35 results

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.

Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.

Best Egg provides fast funding, often within a day, solid option for urgent financial needs. However, borrowers should be cautious of the high maximum APR of 35.99%, which could make long-term borrowing costly.

Wells Fargo provides competitive loan amounts and fast funding, making it existing customers. However, the minimum credit score requirement of 660 may exclude many potential borrowers.

Alliant Credit Union offers competitive personal loans with flexible terms and no origination fees, making them a solid option for borrowers.

Upgrade Personal Loans offers flexible borrowing with competitive rates, but be mindful of potential high APRs for lower credit scores.

Avant offers personal loans for those with fair credit, making it a viable option for borrowers with limited credit history.

PenFed offers competitive personal loans with flexible terms, making it a solid choice for those in need of financing.

Oportun offers accessible personal loans for those looking to build credit, with flexible terms and no credit history required.

Citizens Personal Loans offer a flexible borrowing range with competitive rates and no origination fees. However, borrowers should weigh the potential downsides before applying.

Happy Money offers a solid option for consolidating credit card debt, with competitive rates and a focus on customer well-being.

Navy Federal Credit Union offers competitive personal loan rates tailored for military members and their families, making it a solid choice for those eligible.

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.

LendingClub provides a flexible personal loan option with quick funding, but the high APR range may deter those with poorer credit. Be mindful of the potential for high rates if your credit score is on the lower end.

LightStream offers competitive personal loan rates with flexible amounts and terms, making it a strong choice for those with excellent credit.

Prosper Personal Loans provide a wide borrowing range, but their APR can reach up to 35.99%, making them costly for some borrowers. This option suits those with fair credit needing quick access to funds.

Upstart provides a fast and tech-driven solution for debt consolidation, for those with fair credit. However, the high APR range could pose a challenge for long-term borrowers seeking affordable rates.

Exceptional APRs from a military-rooted credit union — open to everyone but especially compelling for veterans.

Best-in-class military personal loans with massive range, zero fees, and standout Career Kickoff option.

Wells Fargo offers some of the highest loan amounts ($100K) and lowest APRs (5.74%) for debt consolidation — but the best rates are reserved for existing customers with strong credit.

Achieve offers larger amounts with competitive starting rates. Requires SSN and 620+ score, so better suited for immigrants who have been in the US for at least a year.

LendingPoint serves fair-credit borrowers with a broader underwriting model. Requires SSN but accepts thin credit files common among new immigrants with work authorization.

Larger loan amounts than most ITIN-friendly lenders, with APR starting at 11.99%. In-branch application may be required for ITIN holders, but the 1,300+ branch network makes it accessible.

Not a traditional loan — Self holds the funds in a CD while you make payments that get reported to all three credit bureaus. It's specifically designed for people building credit from zero, which is the exact situation most immigrants face upon arrival.

PNC accepts the broadest range of identification — SSN, ITIN, or passport — making it one of the most accessible major bank options for immigrants. No origination fee keeps costs transparent, though funding takes longer than fintech alternatives.

Alliant stands out with the tightest APR range of any immigrant-friendly lender (8.74-11.74%), meaning even borrowers with less-than-perfect credit won't get crushed by rates. Anyone can join through the Alliant Foundation. ITIN accepted.

Happen Bank's key advantage for immigrants is the co-borrower option. A US citizen or permanent resident co-borrower can dramatically improve approval odds and lower rates for newcomers building credit. The direct credit card payoff feature also helps with debt consolidation.

Upstart's AI model considers education, employment history, and other non-traditional data alongside credit score. This can benefit immigrants who have strong professional backgrounds but limited US credit history — the algorithm may give you credit for factors traditional lenders ignore.

A strong option for immigrants who already bank with Wells Fargo. The ITIN acceptance sets it apart from most big banks, and the 6.74% floor APR with zero origination fee is hard to beat. The catch: you must be an existing customer.

The most accessible entry point for immigrants without an SSN or credit history. Oportun accepts ITIN and passport identification with no minimum credit score requirement. The trade-off is a high APR (35.95-35.99%) and smaller loan amounts.

The best option for immigrants with imperfect credit. Upgrade's 580 minimum credit score is the lowest among major lenders serving non-citizens, and the joint application option lets a creditworthy cosigner strengthen your case.

Solid credit union option with broad eligibility including military members.

Convenient on-base banking for service members and veterans.

Top pick for military families with low rates, high limits, and zero fees.

Excellent for joint applicants or borrowers who value dedicated human specialists. Low starting APR is highly competitive.