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LenderHide Details

APR Range

5.99-29.99%*

Loan Terms

36-60 mos

Credit Score

680+

850

Get a personal loan from $2,000 – $35,000 from Best Egg through a fast and easy online loan application process. Whether you are looking to consolidate debt, finance a home improvement, or cover medical expenses, you can start your path to financial freedom today! Checking your rate won’t affect your credit score! Apply online in just minutes, have funds in as little as one day!

171 Reviews

(4.6 Of 5)
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  • Interest Rates
    Good
  • Fees & Closing Cost
    Average
  • Responsiveness
    Good
  • Customer Services
    Good
Review Breakdown
  • 5 Star
    (139)
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    (18)
  • 3 Star
    (2)
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    (1)
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    (11)
(2247)
LenderHide Details

APR Range

9.95-35.99%*

Loan Terms

24-60** mos

Credit Score

580+

850

Avant is an online personal lending platform that provides access to unsecured loans. Whether you need to consolidate your debt, improve your home, or make a major purchase, Avant may be able provide you with access to the money you need. Checking your Loan Options will not affect your credit score | Easy online application. Avant branded credit products are issued by WebBank, member FDIC

2247 Reviews

(4.6 Of 5)
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  • Interest Rates
    Good
  • Fees & Closing Cost
    Good
  • Responsiveness
    Good
  • Customer Services
    Good
Review Breakdown
  • 5 Star
    (1665)
  • 4 Star
    (429)
  • 3 Star
    (33)
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    (15)
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    (105)
(3293)
LenderHide Details

APR Range

5.99-35.89%*

Loan Terms

36-60 mos

Credit Score

600+

850

Rates range from 5.99%-35.89% APR. Best APR available to borrowers with excellent credit. Borrow up to $40,000. Fast and convenient process.

LendingClub is America’s #1 credit marketplace, transforming banking to make it more efficient, transparent and consumer friendly. Since 2007, LendingClub has funded more than $26 billion dollars in loans. Through LendingClub, you can get a low, fixed rate personal loan of up to $40,000 to consolidate your high-interest rate debt, make home improvements, or finance the major purchase of your dreams! Our convenient online application makes it easy and there are never any prepayment penalties. Check your rate today without hurting your credit score and you could have the money you need in as few as 5 days. All loans made by WebBank, Member FDIC.

3293 Reviews

(4.6 Of 5)
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  • Interest Rates
    Good
  • Fees & Closing Cost
    Average
  • Responsiveness
    Good
  • Customer Services
    Good
Review Breakdown
  • 5 Star
    (2621)
  • 4 Star
    (449)
  • 3 Star
    (53)
  • 2 Star
    (28)
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    (142)
(1587)
LenderHide Details

APR Range

6.99-24.99%*

Loan Terms

36-84 mos

Credit Score

660+

850

Rates range from 6.99%-24.99% APR based on creditworthiness at application. Loans up to $35,000. Fast & Easy Process. No origination fee. No prepayment penalty.

A Discover Personal Loan can be used many ways – whether your goal is consolidating debts, paying for big life events, taking care of major purchases or handling unexpected bills. Discover Personal Loans can be an ideal solution for individuals with good credit and a strong financial history. With no origination fees you’ll receive 100% of your approved loan amount. You get competitive, fixed rates with flexible repayment options to help you reach your goals. Plus, you can check your rate with no impact to your credit. Discover Personal Loans cover many loan uses, like life’s big events, wedding and vacation loans, major purchases, furniture, or debt consolidation. Our 100% U.S. based loan specialists can help you decide which loan term works best and how quickly you want to pay it off.

1587 Reviews

(4.9 Of 5)
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    Good
  • Fees & Closing Cost
    Good
  • Responsiveness
    Good
  • Customer Services
    Good
Review Breakdown
  • 5 Star
    (1437)
  • 4 Star
    (118)
  • 3 Star
    (15)
  • 2 Star
    (4)
  • 1 Star
    (13)
(43)
LenderHide Details

APR Range

13.99-34.99%*

Loan Terms

24-48 mos

Credit Score

600+

850

Real loans for Real people – Real fast! Loans range from $3,500 to $25,000.

LendingPoint provides access to financing for NearPrime™ customers – people with credit scores generally between 590-740.

We look beyond an applicant’s credit score to other factors. This often allows us to extend credit to customers who may not qualify for a loan from other online and traditional lenders. We offer loans from $2,000 to $25,000, with terms of 24 to 48 months. Our loans have a 0-6% origination fee, which may increase your A.P.R.

Since our founding in 2014, this focus on NearPrime borrowers has led to tens of thousands of LendingPoint customers and hundreds of millions in loans. We operate in most of the United States, with more states added all the time.

43 Reviews

(4.4 Of 5)
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  • Interest Rates
    Average
  • Fees & Closing Cost
    Average
  • Responsiveness
    Good
  • Customer Services
    Good
Review Breakdown
  • 5 Star
    (33)
  • 4 Star
    (4)
  • 3 Star
    (1)
  • 2 Star
    (0)
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    (5)
(270)
LenderHide Details

APR Range

35-155%*

Loan Terms

6-60 mos

Credit Score

500+

850

At NetCredit, your satisfaction comes first. That's why we've created a process that's simple, transparent and reliable.

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.

270 Reviews

(4.6 Of 5)
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  • Interest Rates
    Good
  • Fees & Closing Cost
    Good
  • Responsiveness
    Good
  • Customer Services
    Good
Review Breakdown
  • 5 Star
    (194)
  • 4 Star
    (59)
  • 3 Star
    (7)
  • 2 Star
    (4)
  • 1 Star
    (6)
(2694)
LenderHide Details

APR Range

9.99-35.99%*

Loan Terms

24-60** mos

Credit Score

560+

850

**Example: Example: A $6,000 loan with a term length of 60 months and a 24.99% APR would have monthly payments of $193.68.

OneMain Financial provides personalized loan solutions and one-on-one, local service at neighborhood branches nationwide. Use a OneMain Financial personal loan for bill consolidation, home improvements, unexpected expenses and more. Count on OneMain Financial for a straightforward personal loan application, fixed rates, clear terms, flexible payment options and money as soon as the same day if you are approved by noon.**Springleaf Financial is now OneMain Financial.

2694 Reviews

(4.3 Of 5)
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  • Interest Rates
    Average
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    Average
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    Good
  • Customer Services
    Good
Review Breakdown
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    (1755)
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    (499)
  • 3 Star
    (117)
  • 2 Star
    (59)
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    (264)

*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 – LendingTree 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.

Today’s Personal Loan Rates

Loan Amount
Terms
apr ​​as low as
monthly
$1,000
36 mos
5.66%
$30/mo
$5,000
36 mos
5.66%
$150/mo
$10,000
36 mos
4.99%
$300/mo
$25,000
36 mos
4.99%
$749/mo

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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.

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4 things to know about personal loans

Sometimes, personal expenses simply outweigh your income and savings. You may have taken a vacation that cost much more than you anticipated, you need to pay for a few college classes to be more competitive for a promotion, or you may be a teacher who is forced to spend hundreds of dollars of money on classroom supplies at the beginning of the year. There are plenty of different situations where unexpected or needed expenses may arise and exceed the current amount of money in your bank account.

Personal loans can fill the financial gap. These loans can be used for just about anything and you can receive anywhere between $1,000 to $50,000 in a matter of a couple days. While a loan that provides quick cash may be tempting, here are four things you need to know first about how to get a personal loan.

Will you qualify

Most likely, yes. Anyone with decent credit can be approved for a personal loan quickly. If you don’t qualify on your first attempt at getting a personal loan, take steps to improve your credit, such as paying bills on time and monitoring your credit report to check for any errors or faults with your financial spending.

What you can use it for

Personal loans can be used for anything unless the lender sets guidelines on how it may be spent. However, that doesn’t mean a personal loan should be used for anything.

The best way to use a personal loan is to integrate it into your overall financial plan. If you are anticipating big expenses, such as a house renovation or a college tuition payment, getting a personal loan could benefit you in the long run because you are investing in something of long-term value. A college education could help you or your child get a higher-paying job. Fixing up your house could significantly increase its value.

Getting a personal loan also can help you pay off debts. Credit cards balances, for example, are high-interest loans as long as you carry a balance. A personal debt consolidation loan will pay off a credit card and other high-interest debts, leaving you with one, more affordable payment.

What you shouldn’t use it for

Be cautious about getting a personal loan to pay for expenses that won’t benefit you financially in the long-term. A lavish dream wedding, for example, may be fun for a few hours but will leave you with years of debt. A clothing shopping spree may give you a great wardrobe, but you may be paying off the personal loan years after the clothes are out of style. When you’re spending part of your monthly budget on a personal loan payment, you’re also robbing yourself of the opportunity to save money or invest in your retirement.

They come with interest rates and fees

Because personal loans generally are unsecured, borrowers don’t have to make a security deposit or provide collateral. This increases the lender’s risk, which translates into higher interest rates than secured loans. A borrower’s credit score will also come into play, so a high score may help you qualify for a low interest rate.

While getting a personal loan sometimes can be done without fees, some lenders do charge origination or other fees for borrowing. Be wary of these vendors, and be sure to check around for the best rates.

Getting the best rate

Once you’ve decided to apply for a personal loan, do your homework and shop among lenders for the best rates and lowest fees. Make sure the terms are favorable and consider a short-term loan, as you’ll pay less in interest fees than a long-term loan for the same amount.