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Fixed personal loan rates starting from 5.99% APR

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APR

5.49%–14.24% *

Credit Score Needed

700

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Details *

Key Facts

  • Fixed Rates 5.49% – 14.24% (with AutoPay) *
  • No Hidden Fees
  • Instant Pre-Qualification: Yes
  • Loan amounts: $5,000 – $100,000
  • Origination fee: None
  • Offers secured personal loans: No
  • Allows co-signers or joint applications: No
  • Minimum of 700 credit score

Disclaimer

* Fixed rates from 5.49% APR to 14.24% APR (with AutoPay). Variable rates from 5.28% APR to 12.99% APR (with AutoPay). SoFi rate ranges are current as of March 1, 2018 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.28% APR assumes current 1-month LIBOR rate of 1.64% plus 3.89% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

As an example, on a loan of $10,000 paid back over a 5-year term with the lowest available interest rate of 6.95% (including 0.25% AutoPay discount), you will make 60 monthly payments of $197.78, and the total amount repayable will be $11,866.57. See additional payment examples here.

APR

25-36%*

Credit Score Needed

600

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Details *

Key Facts

  • Accepts poor credit
  • Application requires a hard credit check
  • In-person visit required to complete application process
  • Origination fee: Varies by state
  • Minimum credit score required: 500 - 650
  • Minimum gross income required: None
  • Minimum credit history: None
  • Maximum debt-to-income ratio: Not provided, but generally low ratio

Disclaimer

* Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amounts subject to state specific minimum or maximum size restrictions. Collateral offered must meet our criteria. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

APR

5.99%-35.99%*

Credit Score Needed

640

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Details *

Key Facts

  • Minimum credit score required: 640
  • More than $10 billion loans funded through Prosper
  • Origination fee: 1% to 5% of the loan amount Minimum gross income required: None, but generally high
  • Minimum credit history: None, but generally several years
  • Maximum debt-to-income ratio: 50% (excluding mortgage)
  • Late fees: The greater of $15 or 5% of the payment amount
  • 9 out of 10 customers would recommend Prosper to friends or family**
  • Consolidate debt, finance a large purchase or pay off medical expenses
  • Get your money in as few as 3 days - your monthly payment stays the same, with no surprises or hidden fees*

Disclaimer

*Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 35.99% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. For example, a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.32% and a 1% origination fee for an APR of 5.99% APR. You would receive $9,900 and make 36 scheduled monthly payments of $302. A five-year $10,000 loan would have an interest rate of 7.69% and a 5% origination fee for an APR of 9.88% APR. You would receive $9,500 and make 60 scheduled monthly payments of $201.28. Origination fees vary between 1%-5%. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

**Based on responses from randomly selected borrowers in good standing who received a loan from 01/01/2016 - 11/20/2016. Survey conducted was of a statistically significant sample size with a 95% confidence level and a 3.94% margin of error.

APR

7.37%-29.99%*

Credit Score Needed

640

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Details *

Key Facts

  • Good for those with little credit history
  • Origination fee: 1% to 6% of loan amount, depending on borrower’s grade
  • Late fees: Greater of 5% of payment amount or $15
  • Personal-check processing fees: None
  • borrowers save 24% compared to their credit card rates**
  • Minimum credit score required: 620
  • Minimum gross income required: None
  • Minimum credit history: None
  • Maximum debt-to-income ratio: None, but generally 15% to 16%

Disclaimer

* The average 3-year loan on Upstart will have an APR of 16% and 36 monthly payments of $33 per $1,000 borrowed. There is no down payment and no prepayment penalty. The average APR on Upstart is calculated based on 3-year rates offered in the last 1 month. Your APR and loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

** Estimated savings are calculated based on the credit profiles of all loans originated as of March 1, 2018 in which the funds were used for credit card refinancing. Upstart calculates estimated savings by deriving current credit card APR using minimum monthly payment and 1% of the principal balance. Upstart then compares estimated credit card APR to Upstart APR to determine median savings per borrower. To evaluate savings on a loan you are considering, it is important to compare your actual APR from your existing debt to the APR offered by Upstart.

APR

5.983-29.99%*

Credit Score Needed

640

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Details *

Key Facts

  • No prepayment fee
  • Origination fee: 1 - 6% of loan amount
  • Pay by check fee: $5
  • Late fee: $15 after 10 day grace period
  • Unsuccessful payment fee: $15
  • Minimum credit score required: 640
  • Minimum gross income required: $24,000
  • Minimum credit history: Not provided, but generally several years
  • Maximum debt-to-income ratio: Not provided, but generally low ratio

Disclaimer

*Qualified clients using RocketLoans will see loan options for a 36 or 60 month term, and APR ranges from a minimum of 5.983% (rate with autopay discount) to a maximum of 29.99% (rate without autopay discount) depending upon their credit profile. An origination fee of 1% - 6% is charged for each loan. This fee is deducted from the balance before funds are disbursed to the client. For example, a 3 year $10,000 loan with an 8% interest rate and a 4% ($400) origination fee would have 36 scheduled monthly payments of $313.36 for an APR of 10.796% (rates assume autopay discount). Borrower must be a U.S. citizen or permanent U.S. resident alien at least 18 years of age (in Nebraska and Alabama a borrower must be at least 19 years of age). All loan applications are subject to credit review and approval and offered loan terms depend upon credit score, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate. To qualify for the lowest rate, you must have excellent credit, meet certain conditions, and select autopay. Rates and Terms are subject to change at any time without notice.

Disclaimer: All personal loans are made by Cross River Bank, a New Jersey state chartered commercial bank, Member FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed. Please refer to our Disclosures and Licenses page for state-required disclosures, licenses, and lending restrictions.

APR

5.25% - 12.99%

Credit Score Needed

660

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Details *

Key Facts

  • No fees for origination, prepayment, or loan disbursement
  • Loan amounts $2,000 - $50,000
  • Faster response times because we use technology to improve and accelerate our decision-­‐making processes
  • Lower rates based on your future potential and full financial profile, not just your FICO score
  • Online dashboard designed to make it easy to apply for and manage your loan
  • Lifetime service provided in-­‐house. Unlike other lenders, we will never pass you off to third-­‐party servicers
  • Hardship Assistance and No Fees
  • Two Minute Rate Check

Disclaimer

APR

6.99-24.99%*

Credit Score Needed

660

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Details *

Key Facts

  • APR based on creditworthiness at application
  • Loans up to $35,000
  • Origination fee: None
  • Fast & Easy Process
  • No prepayment penalty
  • Minimum credit score required: 660
  • Minimum gross income required: Not provided
  • Minimum credit history: Not Provided, but typically 10 years or more.

Disclaimer

*This is not a firm offer of credit. Any results displayed are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. Your APR will be between 6.99% and 24.99% based upon credit-worthiness at time of application.

APR

8%-25%*

Credit Score Needed

660

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Details *

Key Facts

  • Loans can be used only to pay off credit card debt
  • Origination fee is 2.00% - 8.00% of the total loan amount
  • Late fees: None
  • Personal check processing fees: None
  • Other fees: None
  • Minimum credit score required: 660
  • Minimum gross income required: None
  • Minimum credit history: 3 years
  • Maximum debt-to-income ratio: 50% or less

Disclaimer

Payoff works with lending partners to ultimately originate loans. Information about our Lending Partners, including their address, financial institution type and charter, as well as links to their websites and privacy policies can be found on our Lending Partners page. Individual borrowers must be at least 18 years old and have valid social security and a valid checking account. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: DC, DE, MA, MI, MN, MS, NE, NV, OH, OK, VA, VT, WA, WI, and WV. Payoff's mailing address is: Payoff, Inc., 3200 Park Center Drive, STE 800, Costa Mesa, CA 92626.

*Payoff offers fixed rates between 5.94% (8% APR) and 22.60% (25% APR) for loan amounts from $5,000 to $35,000. APR and minimum loan amount may vary in certain states, please see our Rates and Terms page for specific details.

APR

15.49-34.99%*

Credit Score Needed

600

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Details *

Key Facts

  • Accepts poor credit
  • Origination fee: 5% of loan amount, can be paid upfront or spread over monthly payments
  • Late fee: $30
  • Personal-check processing fee: None
  • Origination fee is 0% - 6% of the original loan amount
  • Minimum credit score required: 600
  • Minimum gross income required: $20,000
  • Minimum credit history: None, but generally several years
  • Maximum debt-to-income ratio: 45%

Disclaimer

* Loans are offered from $2,000 to $25,000, at rates ranging from a low of 15.49% APR to a high of 34.99% APR, with terms from 24 to 48 months. A $10,000 loan with an origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to loan amount, which is $12,700.80. Customers may have the option to deduct the origination fee from the dispersed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

* Loans are offered from $2,000 to $25,000, at rates ranging from a low of 15.49% APR to a high of 34.99% APR, with terms from 24 to 48 months. A $10,000 loan with an origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and rate depend on credit history, income and other factors). The total amount due under the loan terms provided as an example in this disclaimer includes the origination fee financed in addition to loan amount, which is $12,700.80. Customers may have the option to deduct the origination fee from the dispersed loan amount if desired. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled. ** APRs may include origination fees of 0%-6%. Upon final underwriting approval to fund a loan, funds are often sent via ACH the next business day.

APR

5.66%-35.97%*

Credit Score Needed

620

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Details *

Key Facts

  • Successful borrowers’ average credit score is 675
  • Origination fee: 1% to 5% of loan amount
  • Late fee: $10 after 15-day grace period
  • Minimum credit score required: 620
  • Minimum free cash flow: $1,000 a month. No minimum income requirement
  • Minimum credit history: 3 years
  • Maximum debt-to-income ratio: 40% (excluding mortgage)

Disclaimer

* Loans made through Upgrade feature APRs of 5.66% to 35.97%. All loans have a 1% to 5% origination fee, which is deducted from the loan proceeds. For example, a $10,000 loan with a 36-month term and an 18.66% APR (which includes a 5% origination fee) has a required monthly payment of $346.60. The APR on your loan may be higher or lower. Actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed-rate loan.

** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days. All loans made by WebBank, member FDIC.

APR

6.99%-24.99%*

Credit Score Needed

580

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Details *

Key Facts

  • Good for debt consolidation
  • Available in all US states and Territories, except Maryland
  • No origination fee, late fee, prepayment fee or other fees
  • Minimum credit score required: 580 VantageScore® 3.0 and 660 FICO® score 8.0
  • Minimum income required: Not provided
  • Minimum credit history: 3 years
  • Maximum debt-to-income ratio: Not provided, but typically less than 20%

Disclaimer

*Rates range from 6.99% to 24.99% APR, and loan terms range from 36 to 72 months. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans.

Disclaimer: Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36-month loans are generally lower than rates for 72-month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.

APR

35-155%*

Credit Score Needed

500

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Details *

Key Facts

  • Accepts poor credit
  • Fast & Easy Process
  • APR based on creditworthiness at application
  • Minimum credit score required: 500
  • Minimum gross income required: Not provided

Disclaimer

* APR based on creditworthiness at application. NetCredit is an industry-leading online financial services provider. Depending on your state, personal loans from $1,000 – $10,000 may be offered by NetCredit or by our partner lender, Republic Bank & Trust Company, Member FDIC. Visit the Rates & Terms page on our website for details. You can check your eligibility without affecting your credit score. If eligible, you may select the loan terms that are right for you. Once approved, you will typically receive your funds by the next business day. We do not charge any application, origination or pre-payment fees. We also report payment activity, so on-time payments of your loan may help you build positive credit history.

APR

5.99-35.89%*

Credit Score Needed

600

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Details *

Key Facts

  • Suitable for those with good credit profiles
  • Origination fee: 1% to 6% of loan amount, depending on borrower’s grade
  • Late fee: The greater of 5% of the unpaid amount, or $15
  • Personal-check processing fee: $7
  • Other fees: $15 unsuccessful payment fee
  • Minimum credit score required: 600
  • Minimum gross income required: Not provided, but generally high income
  • Minimum credit history: Not provided, but generally several years
  • Maximum debt-to-income ratio: Not provided, but generally low ratio

Disclaimer

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.99% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.49% as of Q1 2017. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months or longer.

APR

5.99-29.99%*

Credit Score Needed

640

Check rates

Details *

Key Facts

  • Very fast funding available, often within a day
  • Ideal for those with good credit score and several years of credit history
  • Origination fee: 0.99% - 5.99%
  • Late fee: $15
  • Personal check processing fee: None
  • Minimum credit score: 640, but typically higher.
  • Minimum gross income: Not provided, but typically high.
  • Minimum credit history: Not provided, but typically 10 years or more.
  • Maximum debt-to-income ratio: Not provided, but typically less than 20%

Disclaimer

* Best Egg loans are unsecured personal loans through Cross River Bank, a NJ chartered bank, member FDIC. Equal Housing Lender. 'Best Egg' is a trademark of Marlette Funding LLC. Loan amounts generally range from $2,000-$35,000. Offers up to $40,000 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 $40,000 is $130,000. All loans in MA must exceed $6,000; in OH must exceed $5,000; in GA must exceed $3,000. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99%-29.99%, which may include an origination fee from 0.99%-5.99%. Any origination fee on a 5-year loan will be at least 4.99% and is deducted from loan proceeds. Barring any unforeseen circumstances, such as borrower default or payment extensions/modifications, 3-year payment plans may have a minimum repayment period of zero months and a maximum of 36 months and 5-year payment plans may have a minimum repayment period of zero months and a maximum of 60 months. Borrowers should refer to their loan agreement for specific terms and conditions. A loan example: a 5-year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3-year $5,000 loan with 5.99% APR has 36 scheduled monthly payments of $150.57. The APR offered will depend on your credit score, application information, loan amount and term, and credit usage history. Requests for the highest loan amount may result in an APR higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest rate. Your verifiable income must support your ability to repay your loan. Upon loan funding, the timing of available funds may vary depending upon your bank's policies.

APR

5.99%-35.99%*

Credit Score Needed

500

Check rates

Details *

Key Facts

  • Compare multiple offers quickly
  • Loan pre-approved without impacting your credit score.

Disclaimer

*The Rates, APRs, Fees, and Monthly Amounts above are estimates only and are not guaranteed. The information provided is for illustrative purposes only and is merely a conditional quote subject to change, may not be available in all states and are based on loan amount requested and creditworthiness as determined by the lender selected. When you proceed with a lender, they will inquire into your credit and such inquiry will impact your credit score. Your financial information will be required to be verified and subject to formal credit approval by the lender selected. LendingTree receives payment from the lenders on a cost per click and/or closed loan fee, but provides its services free of charge to you to search and compare lenders.


Could you use a personal loan?

Sometimes you just need some extra money. Maybe your credit card interest rates are through the roof, you need to make a major purchase or something unexpected happens. That’s when a personal loan can really help. Use your loan to consolidate debts, cover medical bills, or make some home improvements, or even improve your credit.

Whatever your reasons, if you need some more money right now – from $1,000 up to $35,000 – Squeeze can help steer you in the right direction. Improve Your Credit!

A personal loan can help you build or improve your credit by adding another line of credit to your credit report. Your lender will report your monthly payments to the three credit bureaus—Equifax, Experian and TransUnion. To improve your credit, make sure you make all of your payments on time and never miss a payment. With consistent, on-time payments, you’ll start to see your credit score improve over time.

What is a Personal Loan?

A personal loan, also called a signature loan, is an unsecured loan, which means you can borrow money with no collateral based on your credit. From consolidating debt to financing a purchase to improving your credit, people choose personal loans because interest rates are usually lower than credit cards, which can save you thousands of dollars.