Question 1

Is Lendpath a lender?

Accepted Answer

No. Lendpath is a free comparison and education platform. We help you find and compare personal loan offers from top lenders like SoFi, Upgrade, LendingClub, and others. We never lend money directly or make lending decisions.

Question 2

Does comparing loans affect my credit score?

Accepted Answer

No. Browsing and comparing loans on Lendpath has zero impact on your credit score. We show publicly available rate information. When you click through to a lender's site and formally apply, some lenders may do a soft pull (no impact) for pre-qualification, and a hard pull only if you proceed with a full application.

Question 3

How does Lendpath make money?

Accepted Answer

Lendpath earns referral fees from lenders when you apply through our links. This doesn't cost you anything extra — the rates and terms you see are the same as going directly to the lender. This model lets us keep the comparison tool 100% free for you.

Question 4

What credit score do I need for a personal loan?

Accepted Answer

It depends on the lender. Some lenders like Avant work with credit scores as low as 580, while others like LightStream prefer 660+. Our comparison tool shows the minimum credit score for each lender so you can find the best match for your situation.

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