Independent Lending Research

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Loan Categories

APR from 5.99% →

Mortgage & Home

30yr fixed rates →

New & refinance →

Federal & private →

Lines of credit →

Debt Consolidation

Simplify payments →

Rates updated daily

No credit score impact

Editorial methodology

Recently added

LendNation

Provider LendNation

Max Amount $1,500

Min Term (months) 1 months

Max Term (months) 6 months

Approval Time Same day at stores

Requirements Active bank account, Government-issued ID, Proof of income

Type Payday Loan

LendNation provides quick access to emergency funds, but high APRs can make it costly for borrowers.

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Brigit Instant Cash

Provider Brigit

Max Amount $250

Min Term (months) 1 months

Max Term (months) 1 months

Approval Time Minutes

Requirements Active bank account with regular income deposits, No credit check required, US resident

Type Cash Advance

Brigit Instant Cash provides quick access to funds without the hassle of credit checks or late fees, making it urgent cash needs.

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College Ave Student Loans

Provider College Ave

Min APR % 2.74%

Max APR % 17.99%

Type Student (Private)

College Ave provides for those seeking private student loans with and multiple repayment plans.

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Upgrade Debt Consolidation Loan

Provider Upgrade

Min APR % 7.74%

Max APR % 35.99%

Min Amount $1,000

Max Amount $50,000

Min Term (months) 24 months

Max Term (months) 84 months

Approval Time Next business day funding

Requirements Minimum credit score 580, US citizen or permanent resident, Verifiable income, Must be 18+, Bank account required

Type Debt_consolidation

Upgrade offers a flexible debt consolidation loan for fair-credit borrowers, but be cautious of the high APRs.

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Wells Fargo Auto Loans

Provider Wells Fargo

Min APR % 5.49%

Max APR % 19.99%

Min Amount $5,000

Max Amount $100,000

Min Term (months) 12 months

Max Term (months) 72 months

Approval Time Same day

Requirements US resident, Aged 18+, Good credit

Type Car_finance

Wells Fargo Auto Loans provide a convenient option for financing with same-day approval, but be mindful of higher APRs for some applicants.

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Spring EQ Home Equity Loans

Provider Spring EQ

Max APR % 11.5%

Type Home Equity Loan/heloc

Spring EQ is homeowners seeking quick access to equity with high LTV options.

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OppLoans (OppFi)

Provider OppLoans

Min Amount $500

Max Amount $4,000

Min Term (months) 9 months

Max Term (months) 18 months

Approval Time Same day

Requirements active_bank_account, regular_income, 18_years_or_older, valid_id

Type Emergency/installment

OppLoans is for those with poor credit needing urgent funds, but be wary of high APRs.

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American Express Business Line of Credit

Provider American Express

Min Amount $2,000

Max Amount $250,000

Min Term (months) 1 months

Max Term (months) 18 months

Approval Time Same day (online decision)

Requirements FICO score 660+, Business at least 1 year old, Average monthly revenue $3,000+, Must link business bank account

Type Business Line Of Credit

The American Express Business Line of Credit provides flexible funding options, especially beneficial for established businesses with steady revenue.

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ACE Cash Express

Provider ACE Cash Express

Min Amount $100

Max Amount $2,000

Max Term (months) 6 months

Approval Time Same day

Requirements active_bank_account, regular_income, 18_years_or_older, valid_id

Type Payday/installment

ACE Cash Express provides a fast way to access cash, but borrowers should be cautious of high interest rates.

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Sallie Mae Student Loan

Provider Sallie Mae

Min APR % 2.99%

Max APR % 16.38%

Min Amount $1,000

Max Amount $200,000

Min Term (months) 60 months

Max Term (months) 180 months

Sallie Mae provides a variety of student loan options, but borrowers should weigh their interest rates and repayment flexibility carefully.

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SoFi Debt Consolidation Loan

Min APR % 7.74%

Max APR % 35.49%

Min Amount $5,000

Max Amount $100,000

Min Term (months) 24 months

Max Term (months) 84 months

Approval Time Same day funding available

Requirements Minimum credit score 680, US citizen or permanent resident, Employed or have regular income

Type Debt_consolidation

SoFi's Debt Consolidation Loan offers a way to manage credit card debt with no hidden fees.

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Chase Auto Finance

Min APR % 5.49%

Max APR % 17.99%

Min Amount $4,000

Max Amount $100,000

Min Term (months) 12 months

Max Term (months) 72 months

Approval Time Same day

Requirements US resident, Aged 18+, Good credit history

Type Car_finance

Chase Auto Finance offers a application process and but may not be the best choice for those with lower credit scores.

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Better Mortgage Refinance

Provider Better Mortgage

Min Amount $50,000

Max Amount $3,000,000

Min Term (months) 180 months

Max Term (months) 360 months

Approval Time Pre-approval in minutes, closing in 3 weeks

Requirements Minimum credit score 620, US property owner, Proof of income and employment

Type Mortgage Refinance

Better Mortgage provides a quick and cost-effective refinancing option, but be cautious of rate discrepancies.

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Upstart Personal Loan

Provider Upstart

Max APR % 35.99%

Min Amount $1,000

Max Amount $50,000

Min Term (months) 36 months

Max Term (months) 60 months

Upstart offers a unique approach to personal loans, evaluating education and employment alongside credit scores, but borrowers may face higher rates.

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Check Into Cash

Provider Check Into Cash

Max Amount $3,000

Max Term (months) 12 months

Approval Time Same day

Requirements active_bank_account, regular_income, 18_years_or_older, valid_id

Type Payday/installment

Check Into Cash provides a fast and accessible option for emergency funds, but its high APRs can lead to significant repayment costs.

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Earnest Student Loan Refinance

Provider Earnest

Min APR % 4.15%

Max APR % 14.9%

Min Amount $5,000

Max Amount $500,000

Type Student_refinance

Earnest offers competitive refinancing options for borrowers with good credit, but the APR can vary significantly based on your financial profile.

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LendingClub Debt Consolidation Loan

Provider LendingClub

Min APR % 5.96%

Max APR % 35.99%

Min Amount $1,000

Max Amount $40,000

Min Term (months) 24 months

Max Term (months) 60 months

Approval Time Approved in as little as 1 hour, funded next business day

Requirements Minimum credit score 600, US citizen or permanent resident, Verifiable income

Type Debt_consolidation

LendingClub offers a debt consolidation solution, ideal for those looking to simplify payments and tackle credit card debt efficiently.

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myAutoloan

Provider myAutoloan

Min APR % 3.99%

Max APR % 24.99%

Min Amount $8,000

Max Amount $100,000

Min Term (months) 24 months

Max Term (months) 84 months

myAutoloan offers a way to compare auto loans quickly, making it those seeking .

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Figure HELOC

Provider Figure

Min APR % 6.65%

Figure's HELOC provides a fast and convenient way to access home equity, but borrowers should weigh the variable APRs carefully.

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SoFi Personal Loan

Min APR % 7.74%

Max APR % 35.49%

Min Amount $5,000

Max Amount $100,000

Min Term (months) 24 months

Max Term (months) 84 months

SoFi's personal loans are a strong option for borrowers seeking flexible amounts without hidden fees.

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Latest from the blog

The Best Personal Loans for Spring 2026: Top Picks for Every Need

Looking to secure a personal loan this spring? We've analyzed the top options for different needs, from low rates to fast funding. Discover which loans stand out and why.