Checking rates won't affect your credit score
Written by Amanda Push | Edited by Katie Lowery | Reviewed December 4, 2023
Lender | User ratings | APR range | Loan terms | Loan amounts | Min. credit score | Best for... | |
---|---|---|---|---|---|---|---|
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 6.40% - 35.99% | 36 and 60 months | $1,000 - $50,000 | 300 | Building credit | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 6.99% - 35.99% | 24 to 60 months | $2,000 - $50,000 | 560 | Applicants with low credit scores | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 7.99% - 24.99% | 36 to 84 months | $5,000 - $40,000 | 720 | No origination fees | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 7.49% - 25.49% *with autopay | 24 to 144 months | $5,000 - $100,000 | Not specified | Applicants with excellent credit | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 8.99% - 35.99% | 24 to 60 months | $5,000 - $50,000 | 620 | Same day credit approval | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 7.99% - 35.99% | 24 to 72 months | $2,000 - $36,500 | 660 | Mid-sized expenses | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 8.49% - 17.99% | 12 to 60 months | $600 - $50,000 | 700 | Small loan amounts | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 8.49% - 35.99% *with autopay | 24 to 84 months | $1,000 - $50,000 | 580 | Flexible loan term durations | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 8.99% - 25.81% *with discounts | 24 to 84 months | $5,000 - $100,000 | 680 | Overall experience | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 8.99% - 35.99% | 36 to 60 months | $2,000 - $50,000 | 600 | Secured and unsecured loan options | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 9.57% - 35.99% | 24 to 60 months | $1,000 - $40,000 | 600 | Applying with a co-borrower | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 9.95% - 35.95% | 12 to 60 months | $2,000 - $35,000 | 580 | Fast loan funding | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 11.72% - 24.67% | 24 to 60 months | $5,000 - $40,000 | 640 | Refinancing credit card debt | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 11.96% - 24.91% | 36 to 120 months | $20,000 - $200,000 | 660 | Large loan amounts | View Personalized Offers | |
User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | 14.10% - 35.99% | 24 to 60 months | $3,500 - $40,000 | 680 | Consolidating debt | View Personalized Offers |
Shereen Cantu
Super quick and easy. I signed up and applied for a loan Friday and money was in my account Tuesday morning. Probably would’ve been sooner if not for the weekend. This will help me so much in consolidating a few bills while being a lower payment per month. 😊
Gary Morris
I was very apprehensive at first going online to search for a loan. But with LendingTree everything went smoothly and all the paperwork was very simple to fill out. Thank you very much for helping us out!
Jean Conroy
This was the most enjoyable loan application and finalization I have ever been exposed to. Great company. I was in a bind and they came thru with flying colors and extremely quickly. Website was easy to follow as were the instructions and emails.
Vince Hawkins
I was able to close the deal at home on my cellphone. I felt comfortable and my shopping was guided for me. So easy. Thanks
Lavone Dickson
It was quick and easy. The loan person was clear and very informative. Everything went exactly the way she said it would. THANK YOU!
APR range | 6.40% - 35.99% |
Loan amounts | $1,000 - $50,000 |
Term (months) | 36 and 60 |
Origination fee | 0.00% - 12.00% |
Min. credit score | 300 |
Pros | Cons |
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Competitive interest rates (starting at 6.40%) May receive funds in one business day May work with low-credit borrowers | High maximum interest rate (35.99%) Limited repayment terms (36 and 60 months) Charges origination fees (0.00% - 12.00%) |
APR range | 6.99% - 35.99% |
Loan amounts | $2,000 - $50,000 |
Term (months) | 24 to 60 |
Origination fee | 1.00% - 7.99% |
Min. credit score | 560 |
Pros | Cons |
---|---|
Allows for co-applicants Flexible loan amounts ($2,000 - $50,000) No prepayment penalties | Charges an origination fee (1.00% - 7.99%) Funding may take up to three days Not available in Iowa or West Virginia |
APR range | 7.99% - 24.99% |
Loan amounts | $5,000 - $40,000 |
Term (months) | 36 to 84 |
Origination fee | No origination fee |
Min. credit score | 720 |
Pros | Cons |
---|---|
Funding within one business day after loan acceptance Competitive interest rates No origination fees | Low maximum borrowing amount Borrowers with low credit may not qualify Doesn’t offer joint applications |
APR range | 7.49% - 25.49%* with autopay |
Loan amounts | $5,000 - $100,000** |
Term (months) | 24 to 144* |
Origination fee | No origination fee |
Min. credit score | Not specified |
Pros | Cons |
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Doesn’t charge any fees Large maximum loan amounts ($100,000) Competitive interest rates (7.49% - 25.49%) | Doesn’t offer prequalification May not use funds for education or business purposes Those with low credit scores won’t qualify |
*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17. Truist Bank is an Equal Housing Lender. © 2023 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
APR range | 8.99% - 35.99% |
Loan amounts | $5,000 - $50,000 |
Term (months) | 24 to 60 |
Origination fee | 1.99% - 6.99% |
Min. credit score | 620 |
Pros | Cons |
---|---|
Competitive interest rates (8.99% - 35.99%) Same-day credit approval Offers multiple interest rate discount options | High minimum borrowing amount of $5,000 May take up to 72 hours to receive funds after approval Charges origination fee of 1.99% - 6.99% |
APR range | 7.99% - 35.99% |
Loan amounts | $2,000 - $36,500 |
Term (months) | 24 to 72 |
Origination fee | 0.00% - 10.00% |
Min. credit score | 660 |
Pros | Cons |
---|---|
May receive funds within one business day of approval Flexible loan terms (24 to 72 months) No prepayment penalties | Charges an origination fee of 0.00% - 10.00% Low maximum loan amount ($36,500) Not available in Nevada or West Virginia |
APR range | 8.49% - 17.99% |
Loan amounts | $600 - $50,000 |
Term (months) | 12 to 60 |
Origination fee | None |
Min. credit score | 700 |
Pros | Cons |
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Doesn’t charge origination fees Low borrowing amounts ($600) Option to apply with a co-applicant | Will need to become credit union member Charges a late payment fee Isn’t clear about some of its eligibility criteria |
APR range | 8.49% - 35.99%* with autopay |
Loan amounts | $1,000 - $50,000 |
Term (months) | 24 to 84 |
Origination fee | 1.85% - 9.99% |
Min. credit score | 580 |
Pros | Cons |
---|---|
Low credit score requirement Loan terms up to 84 months May receive funds within one business day of approval | Origination fee as high as 9.99% High maximum APR of up to 35.99% |
APR range | 8.99% - 25.81%* with autopay |
Loan amounts | $5,000 - $100,000* |
Term (months) | 24 to 84 |
Origination fee | 0.00% - 6.00% |
Min. credit score | 680 |
Pros | Cons |
---|---|
Doesn’t charge borrowers any required fees May receive funds same day as approval Loan amounts as high as $100,000 | Those with low credit may not qualify No physical branches High minimum loan amount ($5,000) |
APR range | 8.99% - 35.99% |
Loan amounts | $2,000 - $50,000 |
Term (months) | 36 to 60 |
Origination fee | 0.99% - 8.99% |
Min. credit score | 600 |
Pros | Cons |
---|---|
Competitive interest rates (8.99% - 35.99%) Flexible loan amounts of $2,000 - $50,000 Funding within 24 hours after loan approval | Not available in Iowa, Vermont, West Virginia or the District of Columbia Charges an origination fee of 0.99% - 8.99% 700 credit score and income of over $100,000 required for lowest APR |
APR range | 9.57% - 35.99% |
Loan amounts | $1,000 - $40,000 |
Term (months) | 24 to 60 |
Origination fee | 3.00% - 8.00% |
Min. credit score | 600 |
Pros | Cons |
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Option to file a joint application Small loan amounts available Can pay old creditors directly with debt consolidation loans | High maximum APR of 35.99% Charges origination fee of 3.00% - 8.00% Funding can take several days |
APR range | 9.95% - 35.95% |
Loan amounts | $2,000 - $35,000 |
Term (months) | 12 to 60 |
Origination fee | Up to 4.75% |
Min. credit score | 580 |
Pros | Cons |
---|---|
Low minimum credit score requirement Funding within 24 hours of loan approval No prepayment penalty | May have to pay an origination fee (Up to 4.75%) Loan amounts only up to $35,000 No option to add a co-borrower or cosigner |
APR range | 14.10% - 35.99% |
Loan amounts | $3,500 - $40,000 |
Term (months) | 24 to 60 |
Origination fee | 0.00% - 8.00% |
Min. credit score | 680 |
Pros | Cons |
---|---|
Access to your free monthly credit score Ability to change your due date Fast funding | May charge an origination fee of up to 8.00% Limited loan use Doesn't offer joint applications |
Reach Financial charges origination fees that may be as high as 8% of your loan amount, and its maximum APR is higher than some competitors at 35.99%. If your credit score needs some work, Reach Financial may not be a good fit for you as this lender requires a score of at least 680 to qualify. Read our full Reach Financial review.
APR range | 11.72% - 24.67% |
Loan amounts | $5,000 - $40,000 |
Term (months) | 24 to 60 |
Origination fee | 0.00% - 5.00% |
Min. credit score | 640 |
Pros | Cons |
---|---|
Doesn’t charge application or late fees No prepayment penalties Competitive interest rates (11.72% - 24.67%) | Charges origination fee of 0.00% - 5.00% Funds can only be used for credit card refinancing Doesn’t offer joint applications |