Personal loans like Upgrade

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Best Egg gets rave reviews from customers. It also has relatively low rates from 6.99% to 35.99% and fees that are lower than Upgrade — but not the lowest available. It accepts fair credit, though you'll need a 640 credit score to qualify. And you're limited to loans from $2,000 to $35,000.

• Pros and cons

  Pros

  • Stellar customer reviews
  • Low APRs from 6.99% to 35.99%
  • Accepts some fair credit borrowers

  Cons

  • Origination fee as high as 9.99%
  • Limited range of loan amounts

• More details

  Loan amount	$2,000 to $50,000
  APR	6.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	3 to 5 years

• Partner terms and conditions

  *Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

Achieve (formally FreedomPlus) is one of the few personal loan providers that accepts cosigners and coapplicants — most lenders don't allow cosigners on unsecured personal loans. Additionally, Achieve offers a rate discount up to 6% if you bring along a joint applicant. If you're consolidating debt and allow Achieve to send at least 85% of your loan funds directly to your creditors for debt consolidation, you may get an additional rate discount up to 4%.

Rates range from 8.99% to 29.99% — the maximum rate is much lower than Upstart's 35.97%. And if you bring a cosigner or coappliant, you may qualify for a better APR or loan terms overall. Achieve's origination fee is lower, ranging from 1.99% to 6.99%. But Achieve is unavailable in 11 states, and Upgrade is available everywhere except Iowa, West Virginia and Washington D.C.

• Available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington

• Why we like it

  Achieve (formally FreedomPlus) is one of the few personal loan providers that accepts cosigners and coapplicants — most lenders don't allow cosigners on unsecured personal loans. Additionally, Achieve offers a rate discount up to 6% if you bring along a joint applicant. If you're consolidating debt and allow Achieve to send at least 85% of your loan funds directly to your creditors for debt consolidation, you may get an additional rate discount up to 4%.

  Rates range from 8.99% to 29.99% — the maximum rate is much lower than Upstart's 35.97%. And if you bring a cosigner or coappliant, you may qualify for a better APR or loan terms overall. Achieve's origination fee is lower, ranging from 1.99% to 6.99%. But Achieve is unavailable in 11 states, and Upgrade is available everywhere except Iowa, West Virginia and Washington D.C.

• Pros and cons

  Pros

  • Accepts cosigners and joint applicants
  • Lower max rate than Upstart
  • Lower origination fee than Upstart
  • Rate discounts for coapplicants and debt consolidation

  Cons

  • No autopay discount
  • Not available in 11 states

• More details

  Loan amount	$5,000 to $50,000
  APR	8.99% to 29.99%
  Interest Rate Type	Fixed
  Min. credit score	620
  Turnaround Time	As soon as same business day
  Loan Term	24 to 60 months

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  Credible is a loan marketplace that lets you check rates from multiple lenders at once without impacting your credit score, while Upgrade is a direct lender. If you want flexibility, credible may be the better choice, offering loans from $1,000 to $200,000 well above Upgrade’s maximum. Plus, APRs start as low as 6.94% and it offers a best-rate guarantee. Borrowers with bad credit are also welcome to apply, since some of its partner lenders consider applicants with less than stellar credit, making it a solid option for a wide range of borrowers.

• Pros and cons

  Pros

  • Apply with bad credit
  • Get funds as soon as tomorrow
  • Secured and unsecured options

  Cons

  • High APR for a personal loan
  • May require collateral
  • High origination, returned payment and late fees

• More details

  Loan amount	$1,500 to $20,000
  APR	18% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24, 36, 48 or 60 months

• Partner terms and conditions

  <sub>* OneMain Disclosures:
  
  Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loanfees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
  
  Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.
  
  Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.
  
  Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
  
  Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.</sub>

• Available in all states

• Why we like it

  SoFi stands out for its no-fee option. Unlike Upgrade, which charges origination fees, SoFi allows borrowers to choose whether to pay an origination fee in exchange for potentially lower rates, or skip it altogether. It also has no prepayment penalties or late fees, making it a top choice for those who want to avoid extra costs. SoFi’s loans range from $5,000 to $100,000, with terms similar to Upgrade, from two to seven years. SoFi lists its rates from 8.99% to 29.49%, which reflect a 0.25% autopay discount and a 0.25% discount for setting up direct deposit.
  

• Pros and cons

  Pros

  • Competitive APRs from 8.74% to 35.49% fixed APR
  • Loans up to $100,000
  • No required fees — not even late fees

  Cons

  • Minimum loan amount is higher than some competitors
  • Some complaints of higher-than-expected rates

• More details

  Loan amount	$5,000 to $100,000
  APR	8.74% to 35.49% fixed APR
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Up to 2 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Fixed rates from 8.74% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or, Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 04/24/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. Direct Deposit Discount: To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plusby paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

• Available in all states

• Why we like it

  Credible is a loan marketplace that lets you check rates from multiple lenders at once without impacting your credit score, while Upgrade is a direct lender. If you want flexibility, credible may be the better choice, offering loans from $1,000 to $200,000 well above Upgrade’s maximum. Plus, APRs start as low as 6.94% and it offers a best-rate guarantee. Borrowers with bad credit are also welcome to apply, since some of its partner lenders consider applicants with less than stellar credit, making it a solid option for a wide range of borrowers.

• Pros and cons

  Pros

  • Bad credit ok
  • No impact on credit score
  • Low minimum amount of $1,000

  Cons

  • Not a direct lender
  • Only 14 personal loan partners
  • Some complaints around customer service

• More details

  Loan amount	$1,000 to $200,000
  APR	7.74% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Fair to excellent credit
  Turnaround Time	As soon as 1 business day
  Loan Term	Varies by lender

• Partner terms and conditions

  Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99% APR with terms from 12 to 120 months. Credible also works with network Partners like MoneyLion, AmONE, Alternative Providers, and non-lender providers who offer loan and other products with different rates and terms than described here. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties