Loan Comparison

	Featured	★ Editor's Pick
Feature	OneMain Financial OneMain Holdings, Inc.	Upstart Upstart Network, Inc.
Rating	4.3	4.5
Loan Type	personal	personal
APR Range	18% - 36%	7.8% - 35.99%
Loan Amount	$1,500 - $20,000	$1,000 - $50,000
Term Length	24 - 60 months	36 - 60 months
Pros	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	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 (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

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