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Compare Lenders Side by Side

Every lender we review, side by side — APR, loan amount, term, and minimum credit score at a glance.

Lenders we review

Upstart

★ Editor's Pick
4.5
Est. APR
6.3% – 35.99%
Loan amount
$1,000 – $75,000
Min. credit score
300
Loan term
36 – 60 mo

SoFi

4.4
Est. APR
6.49% – 35.49%
Loan amount
$5,000 – $100,000
Min. credit score
Varies
Loan term
24 – 84 mo

LendingClub

4.3
Est. APR
5.96% – 35.96%
Loan amount
$1,000 – $75,000
Min. credit score
Varies
Loan term
24 – 84 mo

LightStream

4.3
Est. APR
9.99% – 25.44%
Loan amount
$5,000 – $100,000
Min. credit score
Varies
Loan term
24 – 240 mo

OneMain Financial

4.3
Est. APR
11.99% – 35.99%
Loan amount
$1,500 – $30,000
Min. credit score
None
Loan term
24 – 60 mo

Avant

4.2
Est. APR
9.95% – 35.99%
Loan amount
$2,000 – $35,000
Min. credit score
580
Loan term
24 – 60 mo

Discover

4.2
Est. APR
6.99% – 24.99%
Loan amount
$2,500 – $40,000
Min. credit score
Varies
Loan term
36 – 84 mo

Prosper

4.2
Est. APR
8.99% – 35.99%
Loan amount
$2,000 – $50,000
Min. credit score
640
Loan term
24 – 72 mo

Upgrade

4.2
Est. APR
7.74% – 35.99%
Loan amount
$1,000 – $50,000
Min. credit score
Varies
Loan term
24 – 84 mo

Best Egg

4.1
Est. APR
6.99% – 35.99%
Loan amount
$2,000 – $50,000
Min. credit score
Varies
Loan term
36 – 60 mo

LendingPoint

4.1
Est. APR
7.99% – 35.99%
Loan amount
$1,000 – $36,500
Min. credit score
640
Loan term
24 – 72 mo

OppLoans

4.0
Est. APR
129% – 195%
Loan amount
$500 – $5,000
Min. credit score
None
Loan term
9 – 18 mo

Rocket Loans

4.0
Est. APR
7.99% – 29.99%
Loan amount
$2,000 – $75,000
Min. credit score
Varies
Loan term
36 – 60 mo

Personify Financial

3.9
Est. APR
36% – 179.5%
Loan amount
$500 – $15,000
Min. credit score
Varies
Loan term
12 – 48 mo

NetCredit

3.8
Est. APR
34.99% – 99.99%
Loan amount
$1,000 – $10,000
Min. credit score
Varies
Loan term
12 – 60 mo

Oportun

3.7
Est. APR
Up to 36%
Loan amount
$300 – $10,000
Min. credit score
None
Loan term
Not published

Mariner Finance

3.6
Est. APR
15.99% – 35.99%
Loan amount
$1,000 – $25,000
Min. credit score
Varies
Loan term
12 – 72 mo

Possible Finance

3.6
Est. APR
136% – 249%
Loan amount
$50 – $600
Min. credit score
None
Loan term
2 mo

RISE

3.4
Est. APR
60% – 299%
Loan amount
$500 – $5,000
Min. credit score
Varies
Loan term
7 – 36 mo

Integra Credit

3.3
Est. APR
159% – 249%
Loan amount
$500 – $3,000
Min. credit score
Varies
Loan term
12 – 21 mo

CashNetUSA

3.2
Est. APR
199% – 579%
Loan amount
$100 – $3,000
Min. credit score
None
Loan term
2 – 12 mo

CreditNinja

3.2
Est. APR
From 35.99%
Loan amount
$300 – $5,000
Min. credit score
None
Loan term
3 – 24 mo

Minimum credit scores are editorial estimates based on lender disclosures and public reporting; approval depends on your full application, and "None" means the lender does not set a published score minimum.

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Each lender's star rating comes from our own review of publicly available information: lender disclosures, published APR and fee ranges, loan amounts and terms, and state-by-state eligibility rules, compared against the rest of the market. We look most closely at total cost and repayment terms, since those affect every borrower. Read how we rate lenders for the full methodology; the disclosure at the bottom of every page explains how EconoCents is compensated.