| Rating | 4.2 | 4.3 | 4.5 |
| Loan Type | personal | personal | personal |
| APR Range | 9.95% - 35.99% | 18% - 36% | 7.8% - 35.99% |
| Loan Amount |
$2,000 - $35,000 |
$1,500 - $20,000 |
$1,000 - $50,000 |
| Term Length | 24 - 60 months | 24 - 60 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)
| - Secured loan option available (lower rates with collateral)
- 1,400+ physical branches for in-person support
- Approves borrowers with credit scores in the 600s
- Same-day funding in many cases
| - 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 fees (flat or percentage, varies by state)
- Higher minimum APR than online-only competitors
- Requires verification appointment for many applications
| - 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 (19 in some states)
- Photo ID and proof of residence
- Verifiable source of income
- In-person or virtual appointment for verification
| - 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 |