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3 alternatives to Ascend personal loans

Explore other options for borrowers with less-than-perfect credit.

Ascend stopped offering personal loans in June 2017. While it continues to service any outstanding loans customers have out, it’s no longer extending new loans. The online lender was known for its lenient credit requirements and monthly interest rate discounts for showing responsible financial behavior. Though it’s no longer around, there are other personal loan providers that may be willing to work with you — even if you don’t have the best credit.

3 alternative personal loan providers to consider

These providers offer a wider range of loan amounts than Ascend and report to the three major credit bureaus — so you can improve your score with on-time repayments.

1. LendingClub

LendingClub is a peer-to-peer (P2P) lender that grades your profile from A to G. Lenders then use that grade to determine how much they’re willing to lend and at what rates. While it has a higher credit score requirement than the other providers on this list, you can bring on a cosigner to increase your chances of approval and potentially qualify for lower rates.

  • Loan amounts: $1,000 to $40,000
  • APRs: 6.34% to 35.89%
  • Terms: 3 to 5 years
  • Eligibility requirements: US citizen or permanent resident, verifiable bank account, steady source of income, ages 18+.

Read LendingClub's review

2. OneMain Financial

OneMain Financial is a direct lender that offers both secured and unsecured personal loans. It doesn’t have a minimum credit score requirement, making this a good option for borrowers with less-than-perfect credit. While you can fill out an application online, you’ll need to visit your local branch to complete the process and receive your funds.

  • Loan amounts: $1,500 to $20,000
  • APRs: 18% to 35.99%
  • Terms: 24, 36, 48 or 60 months
  • Eligibility requirements: Established credit history, US citizen or permanent resident, age of majority in your state

Read OneMain Financial's review

3. LendingTree

LendingTree is a connection service, not a direct lender. This means you’ll fill out one online form to be connected with personal loan providers you may qualify with. Like OneMain, it doesn’t have a minimum credit score requirement. And on top of matching borrowers with potential lenders, it also has a credit score tool that allows you to check your score for free, explore the factors that influence it and find ways to boost it.

  • Loan amounts: $1,000 to $50,000
  • APRs: 3.99% to 35.99%
  • Terms: Varies based on lender
  • Eligibility requirements: Regular source of income, US citizen or permanent resident, ages 18+

Read LendingTree's review

Compare personal loans

1 – 7 of 7
Name Product Filter Values APR Min. Credit Score Loan Amount
Best Egg personal loans
7.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
Credible personal loans
3.99% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
4.98% – 35.99%
Poor to excellent credit
$1,500 to $100,000
FreedomPlus personal loans
7.99% to 29.99%
$5,000 to $50,000
Consolidate debt and more with these low-interest loans. Cosigners welcome.
Upstart personal loans
5.6% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Upgrade personal loans
7.46% to 35.97%
$1,000 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
SoFi personal loans
7.99% to 23.43%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

Bottom line

Ascend may no longer offer personal loans, but these three options provide similar services that could help you build your credit. Before you get started, read up on how personal loans work to make sure you understand the full cost of borrowing.

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