5 Best Personal Loans Companies
Compare Rates & Terms For America's Top 5 Personal Loan Companies
- APR: 6.49% - 25.29%
- 6.49% APR - 35.99% APR
- APR: 6.60% - 35.99%
Fast Funding
Easy online application
640+
Less than $5000 + $5000 - $15,0000 + $15,000 - $35,000
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LightStream is an online consumer lending division of Truist Bank (formerly SunTrust), offering low-interest, unsecured personal loans (No collateral needed) for borrowers with good to excellent credit. They are best known for fast funding, no fees, and high loan amounts
Services
Fast Funding
No fees or penalties
Flexible loan uses
Competitor match rate
Pros:
Some of the lowest rates in the industry
No fees or penalties
Same-day funding
Wide range of loan uses
Cons:
Requires good to excellent credit
Requires a hard credit pull
Fast Funding
Easy online application
640+
Less than $5000 + $5000 - $15,0000 + $15,000 - $35,000
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Upstart is an online lending platform that offers personal loans with a unique underwriting approach. Unlike traditional lenders that rely heavily on credit scores, Upstart uses artificial intelligence and considers factors like education, job history, and area of study to evaluate applicants. This allows some borrowers—especially those with limited credit history—to qualify more easily.
Services
Fast Funding
Loan advisors waiting to help
Easy online application
No prepayment penalties
Pros:
Soft credit check
Next business day funding
Competitive APR rates
Secure loan options to improve profile
Cons:
High origination fee up to 12%
Limited term options
Fast Funding
Easy online application
640+
Less than $5000 + $5000 - $15,0000 + $15,000 - $35,000
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Upgrade is an online lending platform offering personal loans, credit lines, and credit cards with fixed rates and predictable payments. It includes credit-monitoring tools and financial education to help users build credit. A soft credit check is used for pre-qualification, making it a quick and user-friendly option for borrowers.
Services
Fast Funding
Multiple discounts
Easy online application
No prepayment penalties
Pros:
Soft credit check
Low credit score requirement
Multiple discounts
Extended terms up to 7 years
Cons:
Origination fee 1.85%-9.99%
High max APR rates for lower profiles
Fast Funding
Easy online application
640+
Less than $5000 + $5000 - $15,0000 + $15,000 - $35,000
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.
LendingClub is an online lending platform that offers personal loans, business loans, and auto refinancing. It originally launched as a peer-to-peer lender, but now operates as a full-service online bank. LendingClub is best known for offering loans to borrowers with fair to good credit and for debt consolidation tools, including direct payoff to creditors.
Services
Fast Funding
Loan advisors waiting to help
Easy online application
No prepayment penalties
Pros:
Soft credit pre-qualification
Same-day approvals
Direct creditor payoff
Fixed APR and clear fee discloure
Cons:
Origination fee of 0-8%
Loan cap of $40,000
Fast Funding
Easy online application
640+
Less than $5000 + $5000 - $15,0000 + $15,000 - $35,000
560+ credit score
Easy process
100% Secure Information
9.8
Credible is an online loan marketplace that lets users compare personalized offers from multiple lenders with one application. It uses a soft credit check to show real prequalified rates without affecting your score. Credible doesn’t fund loans itself but connects borrowers to trusted lenders for personal loans, student loans, and refinancing, making it easy to find the best available terms quickly.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.
Services
Fast Funding
Free rate comparison tool
Easy online application
Bonus for finding better rates
Pros:
Compare multiple offers at once
Soft credit check during application
Same-day or next-day funding
User-friendly and trasparent
Cons:
Not a direct lender
No personalized human advisors
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