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| Lender | APR Range | Loan Amounts | Min. Credit Score | Key Features | Apply |
|---|---|---|---|---|---|
SoFi Best for: No-fee loans | 8.99–29.99% | $5,000–$100,000 | 680 | No fees whatsoever. Unemployment protection. Member discounts and career coaching. | Apply Free |
Upgrade Best for: Flexible options | 9.99–35.99% | $1,000–$50,000 | 580 | Fast funding (next business day). No prepayment penalty. Credit monitoring tools. Direct pay to creditors for debt consolidation. | Apply Free |
LendingClub Best for: Debt consolidation | 9.57–35.99% | $1,000–$40,000 | 600 | Joint applications accepted. Direct creditor payment for debt consolidation. Pre-qualification available. | Apply Free |
Prosper Best for: Joint applicants | 8.99–35.99% | $2,000–$50,000 | 640 | Joint applications. Marketplace model. Fixed rates and monthly payments. Pre-qualification. | Apply Free |
Upstart Best for: Thin credit files | 7.80–35.99% | $1,000–$50,000 | 620 | AI-powered underwriting considers education and employment. Fast funding — often next business day. | Apply Free |
Avant Best for: Fair/poor credit | 9.95–35.99% | $2,000–$35,000 | 580 | Low credit score accepted. Fast funding. Late fee forgiveness for first offense. Mobile app management. | Apply Free |
LightStream Best for: Large loan amounts | 7.49–25.49% | $5,000–$100,000 | 660 | Rate Beat Program. No fees. Same-day funding available. Loans up to $100K for excellent credit. | Apply Free |
Best Egg Best for: Secured loan option | 8.99–35.99% | $2,000–$50,000 | 640 | Quick pre-qualification. Fixed rates. Secured loan option for lower rates. Flexible terms. | Apply Free |
APR
8.99–29.99%
Amount
$5,000–$100,000
Min. Score
680
No fees whatsoever. Unemployment protection. Member discounts and career coaching.
Apply FreeAPR
9.99–35.99%
Amount
$1,000–$50,000
Min. Score
580
Fast funding (next business day). No prepayment penalty. Credit monitoring tools. Direct pay to creditors for debt consolidation.
Apply FreeAPR
9.57–35.99%
Amount
$1,000–$40,000
Min. Score
600
Joint applications accepted. Direct creditor payment for debt consolidation. Pre-qualification available.
Apply FreeAPR
8.99–35.99%
Amount
$2,000–$50,000
Min. Score
640
Joint applications. Marketplace model. Fixed rates and monthly payments. Pre-qualification.
Apply FreeAPR
7.80–35.99%
Amount
$1,000–$50,000
Min. Score
620
AI-powered underwriting considers education and employment. Fast funding — often next business day.
Apply FreeAPR
9.95–35.99%
Amount
$2,000–$35,000
Min. Score
580
Low credit score accepted. Fast funding. Late fee forgiveness for first offense. Mobile app management.
Apply FreeAPR
7.49–25.49%
Amount
$5,000–$100,000
Min. Score
660
Rate Beat Program. No fees. Same-day funding available. Loans up to $100K for excellent credit.
Apply FreeAPR
8.99–35.99%
Amount
$2,000–$50,000
Min. Score
640
Quick pre-qualification. Fixed rates. Secured loan option for lower rates. Flexible terms.
Apply FreeAdvertiser Disclosure: Lendpath may earn a commission when you click on lender links and apply for a loan. This does not affect our editorial integrity or the order in which lenders appear. APR ranges, loan amounts, and credit requirements shown are based on publicly available information from each lender's website as of March 2026. Your actual rate, terms, and eligibility may vary based on your creditworthiness, income, and other factors. Lendpath is not a lender and does not guarantee any rates or approval. Always verify current terms directly with the lender before applying.
Your credit score is the #1 factor in determining your rate. If it's below 580, focus on Avant or Upgrade. Between 620–660, consider Upstart or LendingClub. Above 700, you'll qualify for the best rates at SoFi and LightStream.
Look at origination fees, late fees, and prepayment penalties. Lenders like SoFi and LightStream charge zero fees, which can save you hundreds even if their APR is slightly higher.
Most lenders on our list offer pre-qualification with a soft credit pull. Check rates at multiple lenders before committing — it won't affect your credit score.
For debt consolidation, LendingClub offers direct creditor payments. For home improvement, LightStream has specialized rates. Match the lender to your specific need.
Take our quick quiz and get free lender matches based on your credit, loan amount, and purpose. No fees until funded.