Best for Toll Free
The fixed rates of 7.99% APR to 22.73% APR APR reflect the 0.25% automatic payment discount and a 0.25% direct deposit discount. SoFi rate ranges are effective as of 08/01/22 and are subject to change without notice. Not all rates and amounts are available in all states. See personal loan eligibility details. Not all applicants qualify for the lowest rate. The lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates shown above and will depend on a variety of factors including your credit rating, income and other factors. See APR examples and terms. The SoFi 0.25% AutoPay Interest Rate Reduction requires you to agree to make monthly principal and interest payments by automatic monthly debit from a savings or checking account. The benefit will cease and be forfeited during periods when you do not pay by direct debit from a savings or checking account.
Happy Money (formerly Payoff)
on the Happy Money website (formerly Payoff)
Great for paying off credit card debt
This does not constitute a true commitment to lend or an offer of credit. When submitting a loan application, you may be asked to provide additional documentation to enable us to verify your income, assets and financial situation. Your interest rate and the terms you are approved for will be presented to you as part of the online application process. Most applicants will receive a variety of loan offers to choose from, with varying loan amounts and interest rates. Borrower subject to loan origination fees, which are deducted from loan proceeds. Refer to the complete Borrower Agreement for all terms, conditions and requirements.
Ideal for low fares
Loan example: A $20,000 four-year loan with an APR of 13.9% would cost $546 in monthly payments. You would pay $6,208 in total interest on this loan.
Ideal for secured loan option
*Trustpilot TrustScore as of June 2020. Best Egg Personal Loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey Chartered Commercial Bank, Member FDIC, Equal Housing Lender, or Blue Ridge Bank, a national chartered bank. , FDIC Member, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “Best Egg Personal Loan”, “Best Egg Secured Loan” and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the personal loan. Best Egg. “, depending on the case. The term, amount and APR of any loan we offer to you will depend on your credit score, income, payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers receive their money the next day. After successful verification, your money can be deposited into your bank account within 1-3 business days. The timing of funds available upon loan approval may vary depending on your bank’s policies. Loan amounts range from $2,000 to $50,000. Massachusetts residents have a minimum loan amount of $6,500; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, the total balance of your existing Best Egg loan cannot exceed $50,000. Annual Percentage Rates (APR) range from 5.99% to 35.99%. APR is the cost of credit as an annual rate and reflects both your interest rate and an origination fee of 0.99% to 5.99% of your loan amount, which will be deducted from any proceeds of the loan you receive. The origination fee on a loan with a term of 4 years or more will be at least 4.99%. The term of your loan will impact your APR, which may be higher than our lowest advertised rate. You need a minimum FICO® score of 700 and a minimum individual annual income of $100,000 to qualify for our lowest APR. To help the government combat the financing of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identification documents.
Marcus of Goldman Sachs
on the Goldman Sachs website
Best for Toll Free
The terms of your loan are unsecured and are subject to our verification of your identity and credit information. Rates range from 6.99% to 24.99% APR and loan terms range from 36 to 72 months. For New York residents, the rates range from 6.99% to 24.74%. Only the most creditworthy applicants are eligible for the lowest rates and longest loan terms. Rates will generally be higher for longer term loans. To obtain a loan, you must submit additional documents, including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including the purpose of your loan and our assessment of your creditworthiness. Rates vary based on many factors, such as your creditworthiness (for example, your credit score and credit history) and the length of your loan (for example, 36-month loan rates are generally lower than loan rates). 72 month loans). The maximum amount of your loan may vary depending on the purpose of your loan, your income and your 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. Receive a 0.25% APR discount when you sign up for AutoPay. This discount will not be applied if AutoPay is not in effect. Once enrolled, more of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See the loan agreement for more details.
720 minimum VantageScore® 3.0 and 730 minimum FICO® 9.0.
Best for Best Overall
Ideal for Bad Credit
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be eligible for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000), NM ($5,100), OH ($6,000). financial information. The loan rate and amount are subject to change depending on the information received in your complete application. This offer can only be accepted by the person identified in this offer, who is old enough to legally enter into a credit extension agreement, a US citizen or permanent resident and current resident of the United States. Duplicate offers are void. Closing of your loan is dependent on your meeting our eligibility criteria, verifying your information, and agreeing to the terms and conditions on the www.upstart.com website. The full range of available rates varies by state. The average 5-year loan offered to all lenders using the Upstart platform will have an APR of 21.4% and 60 monthly payments of $24.62 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $14,775, including an origination fee of $582. The APR is calculated based on the 5-year rates offered in the last month. There is no down payment or prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. If you accept your loan before 5:00 PM EST (excluding weekends and holidays), you will receive your funds the next business day. Loans used to fund education-related expenses are subject to a 3 business day waiting period between loan acceptance and funding in accordance with federal law.
Discover® Personal Loans
Ideal for quick financing
This is not a commitment to lend from Discover Personal Loans. Your approval for a loan is determined after you apply and is based on your application information and your credit history. Your APR will range between 5.99% and 24.99% depending on creditworthiness at the time of application for loan terms of 36 to 84 months. For example, if you get approved for a loan of $15,000 at 10.99% APR for a term of 72 months, you will only pay $285 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information, and the term you select. Not all requests will be approved.
Ideal for tariff discounts
All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank or MetaBank®, NA, FDIC Member, Equal Housing Lenders. All loan and rate conditions are subject to eligibility restrictions, application review, credit rating, loan amount, loan term, lender approval, usage and credit history. Terms and conditions of application. Loans are not available to residents of all states. Minimum loan amounts vary due to state-specific legal restrictions – please call a FreedomPlus representative for details. The repayment periods vary from 24 to 60 months. The range of APRs on loans made available by FreedomPlus is 7.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including loan origination fees. For example, a $20,000 loan over four years with an interest rate of 15.49% and a corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost to pay of 7 $948.13. *To qualify for a 7.99% APR loan, a borrower will need excellent credit on a loan amount of less than $12,000.00 and a term equal to 24 months. Loan origination fees range from 1.99% to 4.99%, although most loans have a loan origination fee of 4.99%. **Addition of a co-borrower with sufficient income; use at least eighty-five percent (85%) of the loan proceeds to directly repay eligible existing debt; or showing proof of sufficient retirement savings, could also help you qualify for the lowest rate available.