Bankrate personal loan reviews
Choosing a personal loan lender that’s right for your individual needs can be difficult in a market with so many options now. In order to find a lending institution you trust, browse our expansive and consistently updated list of lender reviews. Whether you need a loan for debt consolidation, a kitchen renovation or a major purchase, here you’ll find ratings, full reviews and a description of each lender’s distinctive qualities in order to help guide your decision.
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4.6
Bankrate Score
SoLo funds is best for those looking for peer-to-peer lending.

4.4
Bankrate Score
LendingPoint targets customers with below-average credit interested in taking out personal loans of up to $36,500.

4.3
Bankrate Score
OneMain Financial is an online lender offering unsecured and secured loans to borrowers with below-average credit.

4.2
Bankrate Score
Happy Money provides online loans with low rates to borrowers solely interested in eliminating high-interest credit card debt.

4.6
Bankrate Score
Upgrade offers fixed-rate personal loans of up to $50,000 to borrowers with fair credit or better. The application is online, with fast approval.

4.7
Bankrate Score
Axos Bank’s unsecured personal loans offer $5,000 to $50,000 for borrowers with good credit. It offers fast funding but charges an origination fee.

4.5
Bankrate Score
One of the largest military-affiliated financial service companies in the nation, USAA offers competitive rates and fast funding on personal loans.

4.5
Bankrate Score
Prosper was the first to enter the peer-to-peer lending market and offers unsecured personal loans to borrowers through an entirely virtual process.

4.7
Bankrate Score
A SoFi personal loan is great for those with a decent income and good credit. There are no fees and no penalty for paying off your balance early.

4.3
Bankrate Score
This Illinois-based bank offers personal loans for home improvements and more, but you’ll have to be a resident of one of 24 states to qualify.

3.8
Bankrate Score
RISE offers small personal loans of $300 to $5,000 and doesn’t charge origination or application fees, but its APRs can be as high as 299 percent.

4.8
Bankrate Score
Discover, though known for its credit cards, also offers a range of personal loans with flexible repayment terms, no processing fees and low APRs.

4.4
Bankrate Score
OppLoans is an online lender offering short-term installment loans with fast funding to borrowers who need an alternative to traditional payday loans.

4.8
Bankrate Score
Earnin can help you tide things over until your next paycheck by providing cash advances of up to $750, without fees.

4.5
Bankrate Score
Zip personal loans is a buy now, pay later company that wants to ensure everyone has access to flexible credit.

3.8
Bankrate Score
Acima's lease-to-own service is best for those looking for lease-to-own financing with retail products.

4.6
Bankrate Score
Wells Fargo Flex loan is perfect for borrowers who are in need of a small loan with minimal fees.

3.6
Bankrate Score
Truist Ready Now line of credit is a great option for borrowers who are looking to receive fee-free overdraft protection.

4.4
Bankrate Score
Truist is best for borrowers who need funds fast and want competitive rates who live in the eligible states.

4.7
Bankrate Score
Capital Good Fund has higher interest rates than other loans, but has lower rates than payday loans.

4.8
Bankrate Score
U.S. Bank personal loans are ideal for those looking for a small loan and fast funding. You can get funding as soon as next day with U.S. Bank.

3.8
Bankrate Score
The Alliant Credit Union personal loan is an excellent choice for individuals who have a respectable income and a strong credit history. It offers the advantage of no fees and no repercussions for settling your outstanding amount ahead of schedule.

4.7
Bankrate Score
PayPal is a great option for buy now, pay later borrowers who have an established account with PayPal.

4.1
Bankrate Score
Possible Finance is best for borrowers who have little credit history but are financially stable to ensure timely payments.

4.5
Bankrate Score
Universal Credit personal loans are best for borrowers who are wanting to streamline the debt consolidation process.

3.5
Bankrate Score
Reach Financial is best for those who want to consolidate their debt. However, the lender doesn't disclose many of its eligibility requirements and loan details.

4.5
Bankrate Score
Navy Federal personal loans are best for current members of the credit union and borrowers who meet the membership requirements.

5
Bankrate Score
Sezzle offers buy now, pay later loans that allow you to pay down a purchase in four payments over six months.

4.7
Bankrate Score
Upstart is an online lender founded by former Google employees and lends to those with fair credit.

4.3
Bankrate Score
Splash Financial is a personal loan marketplace connecting borrowers to banks and credit unions across the U.S.

4
Bankrate Score
Integra offers small, short-term loans that may come in handy for borrowers trying to avoid payday loans.

4.3
Bankrate Score
Fifth Third Bank personal loans stand out for its flexible loan repayment terms and high loan amounts.

4.5
Bankrate Score
LightStream has no fees for personal loans and offers very competitive rates. Its loans can be used for nearly anything, including debt consolidation.

4.8
Bankrate Score
If you prefer to do business at a brick-and-mortar bank, TD Bank could be a good fit for your personal loan needs.
4.7
Bankrate Score
PenFed offers low APRs and fast funding on personal loans from $600 to $35,000, and it doesn’t charge origination fees or a prepayment penalty.

4.6
Bankrate Score
Best Egg is an online lender known for offering borrowers low rates and quick funding, often in as little as one business day.

4.2
Bankrate Score
PNC Bank’s low-APR, no-fee personal loans are best for those interested in consolidating debt or making a large purchase.

4.7
Bankrate Score
LendingClub’s unsecured personal loans offer $1,000 to $40,000 with relatively affordable APRs. It charges origination fees and requires fair credit.

4.5
Bankrate Score
Achieve (formerly known as FreedomPlus) is an online personal loan provider with same-day loan decisions and funding within 24 hours for loans up to $50,000.

4.7
Bankrate Score
Tally’s credit lines can help you save money on high-interest credit card debt.

4.5
Bankrate Score
Avant offers fast funding and flexible payment options. Additionally, you don’t need stellar credit to qualify for a personal loan with this lender.

4.7
Bankrate Score
Dave App offers cash advances of up to $500, with minimal fees.

4.3
Bankrate Score
Rocket Loans has fast funding, although it does charge origination fees.

4.4
Bankrate Score
American Express offers personal loans to card members who qualify.

4.4
Bankrate Score
Municipal Credit Union offers low rates on personal loans, but you must become a member to qualify.

3.5
Bankrate Score
Personify Financial offers better rates and longer terms than payday lenders for bad-credit borrowers.

3.8
Bankrate Score
Mariner Finance offers loans as small as $1,000 and accepts joint applications, but applicants may have to visit a branch in one of 24 states.

4.6
Bankrate Score
Eloan, an online division of Banco Popular de Puerto Rico. It used to be a provider of personal loans but recently transitioned to a platform that provides resources to educate borrowers on the lending process.

4.7
Bankrate Score
With over 450 brick-and-mortar locations, Santander Bank offers personal loans that come with low fees and flexible repayment options.

4.6
Bankrate Score
For borrowers who are in need of money as soon as possible, securing a Citi personal loan may be a good option.

4.5
Bankrate Score
JG Wentworth offers debt relief services alongside its much-advertised structured settlement assistance.

4.5
Bankrate Score
Wells Fargo may be a great option if you’re looking for a personal loan with an established company.

4.3
Bankrate Score
With over 1,000 branches on the east coast, M&T Bank offers full-service banking for borrowers who prefer visiting in person.

4.4
Bankrate Score
First Tech offers a range of unsecured and secured personal loan amounts to members and employees of big tech companies.

4.5
Bankrate Score
Laurel Road is a digital banking platform from KeyBank. It offers financial services to anyone, but its services are tailored to meet the needs of healthcare and business professionals.

4.4
Bankrate Score
Apple Pay Later is a buy now, pay later option housed within the Apple Wallet.

4.7
Bankrate Score
Empower is a cash advance app that offers advances of up to $250.

4.6
Bankrate Score
Klover allows you to access a portion of your earnings before your next paycheck.

4.5
Bankrate Score
Klarna is a financing tool that breaks up purchases into four equal installments.

4.4
Bankrate Score
Afterpay breaks up the cost of an online purchase into four equal installments.

4.6
Bankrate Score
MoneyLion Instacash feature offers cash advances of up to $500, and no fees.

4.8
Bankrate Score
Affirm is a buy now, pay later lender that offers installment loans for supported purchases.

4.4
Bankrate Score
Brigit is a pay advance app that lends out small advances of $250 upon approval.

3.7
Bankrate Score
Earnest is a loan servicer known primarily for its student loans. Earnest has partnered with Fiona, a lender matching platform, to help borrowers find, compare and choose from qualifying lenders.

3.9
Bankrate Score
NetCredit, a subsidiary of Enova International, offers unsecured personal loans ranging from $1,000 to $10,000, although minimums and maximums vary widely by state.
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