Personal Loans

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Payoff Personal Loans

4.5 out of 5

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

5 out of 5

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

5 out of 5

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

4 out of 5

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

4.5 out of 5

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

4.5 out of 5

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

4.5 out of 5

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

LendingPoint
3.5 out of 5

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

4.5 out of 5

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

5 out of 5

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

4 out of 5

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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