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

Bethpage Federal Credit Union HELOC

Provider Bethpage Federal Credit Union

Min APR % 5.99%

Bethpage's HELOC with its low introductory rate and no closing costs, n attractive option for homeowners needing flexibility.

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DCU Auto Loan

Provider DCU (Digital Federal Credit Union)

Min APR % 5.24%

Min Amount $500

Max Amount $150,000

Min Term (months) 12 months

Max Term (months) 84 months

Approval Time Quick online pre-approval

Requirements US resident, DCU membership (free to join), Valid SSN

Type Car_finance

DCU's auto loan rates start at a competitive 5.24% APR, n appealing option for car buyers seeking flexibility.

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Citizens Personal Loans

Provider Citizens Bank

Min APR % 7.49%

Max APR % 22.44%

Min Amount $5,000

Max Amount $50,000

Min Term (months) 36 months

Max Term (months) 84 months

Citizens Personal Loans provide flexible borrowing options, but rates can be high for those with lower credit scores.

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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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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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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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Dave ExtraCash

Max Amount $500

Min Term (months) 1 months

Max Term (months) 1 months

Approval Time 5 minutes

Requirements Dave Checking account, Active bank account with income history, No credit check

Type Cash Advance

Dave ExtraCash is a convenient option for those needing a quick cash advance without interest or credit checks.

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College Ave Student Loans

Provider College Ave

Min APR % 2.74%

Max APR % 17.99%

Type Student (Private)

With flexible repayment options and College Ave is students and parents alike.

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Rocket Mortgage (Quicken Loans)

Provider Rocket Mortgage

Min APR % 6.875%

Max APR % 7.148%

With competitive APRs ranging from 6.875% to 7.148%, Rocket Mortgage offers a swift approval process that is ideal for tech-savvy borrowers.

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Autopay Auto Loans

Provider AUTOPAY

Min APR % 4.67%

Max APR % 21.99%

Min Amount $5,000

Max Amount $100,000

Min Term (months) 24 months

Max Term (months) 84 months

Approval Time Minutes (online decision)

Requirements Minimum credit score 580, Vehicle less than 10 years old, Valid US driver license

Type Auto Refinance

Autopay offers competitive refinancing rates, but consider their credit score to access the best deals.

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Best Egg Personal Loans

Provider Best Egg

Min APR % 6.99%

Max APR % 35.99%

Min Amount $2,000

Max Amount $50,000

Min Term (months) 36 months

Max Term (months) 60 months

Best Egg provides quick personal loans with flexible amounts, ideal for both debt consolidation and home improvement projects.

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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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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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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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SoFi Student Loan Refinancing

Min APR % 4.24%

Max APR % 10.37%

Type Student Refinance

SoFi's refinancing options are appealing for many borrowers, especially with rates starting at 4.49%.

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Spring EQ Home Equity Loans

Provider Spring EQ

Max APR % 11.5%

Type Home Equity Loan/heloc

Spring EQ provides a process for accessing home equity, but rates can be on the higher side.

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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's auto loans offer a flexible range of rates and terms, making them a viable choice for many borrowers.

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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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OppLoans

Provider OppLoans

Min Amount $500

Max Amount $4,000

Min Term (months) 9 months

Max Term (months) 18 months

Approval Time Same day

Requirements No minimum credit score, Active bank account, Verifiable income

Type Emergency Installment Loan

OppLoans provides quick access to funds with flexible approval criteria, but high APRs make it a costly option for borrowing.

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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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