| Lender | Our Rating | APR Range | Loan Amount | Best For | Apply |
|---|---|---|---|---|---|
| SoFi Personal Loans | ★★★★★ 4.9 | 8.99%–35.49% | $5K–$100K | Best Overall | Apply → |
| LightStream | ★★★★★ 4.8 | 6.99%–25.49% | $5K–$100K | Lowest Rates | Apply → |
| Marcus by Goldman Sachs | ★★★★½ 4.7 | 6.99%–24.99% | $3.5K–$40K | No Fees | Apply → |
| Upstart | ★★★★ 4.4 | 7.40%–35.99% | $1K–$50K | Bad Credit | Apply → |
| Avant | ★★★★ 4.3 | 9.95%–35.99% | $2K–$35K | Fair Credit | Apply → |
SOFI
🏆 Best Overall
SoFi Personal Loans
SoFi Bank · Online Lender
★★★★★ 4.9 / 5
APR Range8.99%–35.49%
Loan Amount$5,000–$100,000
Origination FeeNone
Terms24–84 months
Why we love it: No fees of any kind, same-day funding, and unemployment protection if you lose your job. Excellent for debt consolidation.
LIGHT
💰 Lowest Rate
LightStream
Truist Bank · Online Lender
★★★★★ 4.8 / 5
APR Range6.99%–25.49%
Loan Amount$5,000–$100,000
Origination FeeNone
Terms24–144 months
Why we love it: Consistently the lowest rates available. Rate-beat guarantee — they'll beat any competitor rate by 0.10%. Best for strong-credit borrowers.
UPST
📈 Bad Credit OK
Upstart
Upstart · AI-Powered Lender
★★★★ 4.4 / 5
APR Range7.40%–35.99%
Loan Amount$1,000–$50,000
Min. Credit Score580
Terms36–60 months
Why we love it: Uses education and employment history in approval decisions — great for those with limited or imperfect credit history. Fast funding in 1 business day.