Loan Comparison

	★ Editor's Pick	Featured
Feature	Upstart Upstart Network, Inc.	OppLoans OppFi Inc.
Rating	4.5	4.0
Loan Type	personal	installment
APR Range	6.3% - 35.99%	129% - 195%
Loan Amount	$1,000 - $75,000	$500 - $5,000
Term Length	36 - 60 months	9 - 18 months
Pros	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	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
Cons	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	APRs still very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments
Requirements	At least 18 (19 in some states) US citizen or permanent resident Valid bank account Verifiable income or job offer starting within 6 months	At least 18 years old US citizen or permanent resident Active checking account Verifiable income (recurring direct deposit preferred)
	Review Apply	Review Apply

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