| Rating | 4.2 | 4.1 | 4.5 |
| Loan Type | personal | personal | personal |
| APR Range | 9.95% - 35.99% | 7.99% - 35.99% | 7.8% - 35.99% |
| Loan Amount |
$2,000 - $35,000 |
$2,000 - $36,500 |
$1,000 - $50,000 |
| Term Length | 24 - 60 months | 24 - 72 months | 36 - 60 months |
| Pros | - Fair-credit friendly (typical applicants have FICO 600-700)
- No prepayment penalty
- Mobile app for managing payments
- Fast funding (often next business day)
| - Longer maximum term (up to 72 months)
- Same-day or next-day funding
- No prepayment penalty
- Soft credit pull for rate check
| - Lowest starting APR in our roundup
- Considers education and job history, not just credit score
- Same-day funding available in many states
- Borrowers with thin credit files often qualify
|
| Cons | - Administrative fee up to 4.75% deducted from loan
- Not available in CO, HI, IA, NY, VT, WV
- Higher rates than top-tier lenders for excellent credit
| - Origination fee up to 10% in some states
- Not available in NV or WV
- Longer terms mean more interest paid over time
| - Origination fees up to 12% — read the APR carefully
- Not available to residents of West Virginia or Iowa
- High maximum APR for higher-risk borrowers
|
| Requirements | - At least 18 years old
- Valid Social Security number
- Verifiable income (typically $1,200/month minimum)
- Active checking account
| - At least 18 years old
- Minimum FICO score around 600
- Verifiable annual income of $20,000+
- Active US bank account
| - At least 18 (19 in some states)
- US citizen or permanent resident
- Valid bank account
- Verifiable income or job offer starting within 6 months
|
| Review Apply | Review Apply | Review Apply |