Personal Loans
Payoff Personal Loans
Annual Income: $40,000 or more
Credit History: At least 3 years
Credit Score: 640 or higher
Loan Amount
Up to $40,000
Loan Term
2 to 5 years
Estimated APR
5.99 - 24.99%
Time to Funds
As fast as 24 hours
Why we like it
- Payoff allows you to borrow up to $35,000, with rates as low as 5.99%.
- A personal loan through Payoff may help boost your credit score.
- They have few fees.
- The requirements are transparent.
SoFi Personal Loans
Annual Income: $45,000 or more
Credit History: 2 years or more
Credit Score: 680 or better
Loan Amount
Up to $100,000
Loan Term
2 to 7 years
Estimated APR
5.99 – 18.53%
Time to Funds
As fast as 24 hours
Why we like it
- Personal loan amounts up to $100,000
- Repayment terms up to 7 years
- Monthly autopay discount available
- No origination fee or prepayment penalty
Marcus by Goldman Sachs® Personal Loans
Annual Income: Did not disclose
Credit History: At least 2 years
Credit Score: 680 or better
Loan Amount
Up to $40,000
Loan Term
3 to 7 years
Estimated APR
6.99 – 19.99%
Time to Funds
As fast as 18 hours
Why we like it
- Marcus doesn’t charge fees on its personal loans.
- Borrowers can adjust or defer payment.
- Borrowers can opt-in for autopay to receive a rate discount.
OneMain Financial
Annual Income: None disclosed
Credit History: None disclosed
Credit Score: None disclosed
Loan Amount
Up to $20,000
Loan Term
2 - 5 years
Estimated APR
18.00 - 35.99%
Time to Funds
As fast as 24 hours
Why we like it
- Qualified borrowers may receive fast funding
- Multiple borrowers are allowed on an application
- No minimum credit scores
- Loans up to $20,000
Avant Personal Loans
Annual Income: $20,000 or more
Credit History: At least 2 years
Credit Score: 580 or better
Loan Amount
Up to $35,000
Loan Term
2 to 5 years
Estimated APR
9.95 - 35.99%
Time to Funds
As fast as 24 hours
Why we like it
- Can receive funds the next business day
- Minimum 580 credit score to apply
- No co-signer or collateral required
- No prepayment penalty
Upstart
Annual Income: $12,000 or more
Credit History: None disclosed
Credit Score: 600 or better
Loan Amount
Up to $50,000
Loan Term
3 or 5 years
Estimated APR
7.98 - 35.99%
Time to Funds
As fast as 24 hours
Why we like it
- Education history and job history help determine interest rates
- Loans have a 3 or 5-year repayment term with monthly payments
- No prepayment penalty
- Can receive loan funds the next business day
Prosper Personal Loans
Annual Income: None required
Credit History: At least 2 years
Credit Score: 640 or better
Loan Amount
Up to $40,000
Loan Term
3 or 5 years
Estimated APR
7.95 - 35.99%
Time to Funds
As little as 5 days
Why we like it
- Personal loans up to $40,000
- No prepayment penalty
- No minimum income requirement
- Fixed interest rates start at 7.95% APR
LendingPoint
Annual Income: $20,000 or more
Credit History: At least 2 years
Credit Score: 585 or better
Loan Amount
Up to $25,000
Loan Term
2 to 4 years
Estimated APR
15.49 - 35.49%
Time to Funds
As fast as 24 hours
Why we like it
- Biweekly or monthly payments available
- Can receive funding in one business day
- Borrowers only need a 585 personal credit score
- No prepayment penalty
Upgrade Personal Loans
Annual Income: None disclosed
Credit History: At least 2 years
Credit Score: 580 or better
Loan Amount
Up to $35,000
Loan Term
3 to 5 years
Estimated APR
7.99 - 35.97%
Time to Funds
As little as 4 days
Why we like it
- Allows potential borrowers to pre-qualify with soft credit pull.
- High debt-to-income ratio and co-applicants are permitted.
- The approval and funding process is quick.
- Offers payment flexibility.
LendingClub Personal Loans
Annual Income: Did not disclose
Credit History: At least 2 years
Credit Score: 600 or better
Loan Amount
Up to $40,000
Loan Term
3 or 5 years
Estimated APR
10.68 - 35.89%
Time to Funds
As little as 4 days
Why we like it
- Can add co-borrowers
- Minimum 600 personal credit score to apply
- Fixed monthly payments
- No prepayment penalty
Rocket Loans
Annual Income: $40,000 or more
Credit History: At least 2 years
Credit Score: 580 or better
Loan Amount
Up to $45,000
Loan Term
3 or 5 years
Estimated APR
7.16 - 29.99%
Time to Funds
As fast as 24 hours
Why we like it
- Same-day funding available
- Autopay discount
- No prepayment penalty
- Competitive interest rates and borrowing amounts
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