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5 best loans like LendingPoint

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The best alternative providers to LendingPoint for personal loans.

LendingPoint is a direct lender serving fair credit borrowers at reasonable rates. It can be a great resource if you don’t have excellent credit and need financing between $2,000 and $25,000. It offers risk-free rate estimates that don’t affect your credit score.

But you might find that LendingPoint isn’t the best provider for you for a number of reasons. Maybe you don’t live in one of the 34 states where LendingPoint operates or Washington, DC. Maybe you’re not comfortable with the origination fee it charges. Or perhaps you just want to explore similar providers before making a final decision.


  • Fast funds through debit card
  • Fair credit OK
  • Reasonable rates
  • Risk-free estimates


  • Amounts only up to $25,000
  • Origination fee of 0% to 6%
  • Only available in 34 states and Washington, DC
  • Payments twice a month

Click here to see LendingPoint

netcredit logo

1. NetCredit

Like LendingPoint, NetCredit is an online lender that offers personal loans with a fast turnaround time to borrowers with less-than-stellar credit. This Chicago-based lender reports your on-time repayments to TransUnion and Experian, helping you improve your credit.

You might not be able to pay for a wedding with a NetCredit personal loan, which range from $1,000 to $10,000. But it can help out with other personal expenses like fixing a broken down car or covering medical bills. It’s also relatively flexible when it comes to repayments: You can pay by bank transfer, credit or debit card, money order or even through MoneyGram and WesternUnion. If you borrow with NetCredit, you’ll have from 6 months to 5 years (varies by state) to pay off your loan. It also doesn’t charge a fee for paying your loan early.

The downside is that APRs are ridiculously high, ranging from 34%–155% (Varies by state). However, like LendingPoint, you can get a risk-free estimate of what you might qualify for without affecting your credit score. NetCredit’s loans are only available in 14 states, including: Alabama, California, Delaware, Georgia, Idaho, Illinois, Missouri, New Mexico, North Dakota, South Carolina, South Dakota, Utah, Virginia and Wisconsin.


  • Fast funds
  • No prepayment penalties
  • Multiple repayment methods
  • Risk-free estimates
  • Fair credit OK


  • Only available in 14 states
  • Higher rates than LendingPoint
  • Only borrow up to $10,000

2. OneMain

For those of you who prefer applying for a loan in person, OneMain could be what you’re looking for. This lender lets you apply online, over the phone or at one of its locations for a personal loan.

Like with LendingPoint, you don’t need perfect credit to get approved, though you have the option of applying with a cosigner to qualify for a more competitive rate. OneMain has a slightly wider range of amounts you can borrow, from 1500 (subject to state minimum size restrictions) to $30,000. Its rates are similar to LendingPoint’s. How much time do you have to repay your loan? Typically from 24 to 60 months.

While you have a choice between secured and unsecured loans, OneMain requires your collateral to be insured. It also has higher minimum loan amounts in states like California and Georgia, so you might not be eligible for that $1,500 loan depending on where you live. OneMain’s loans are available in more states than LendingPoint, but you won’t be able to qualify if you live in Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and Washington, DC.


  • Online, phone and in-store application
  • Secured and unsecured loans
  • Cosigners welcome
  • Available in more states
  • Fair credit OK


  • Must complete loan process at a branch location
  • Minimum loan amounts vary by state
  • Can’t use it for school or work-related expenses
  • Not available in AK, AR, CT, MA, RI, VT or DC

even financial logo

3. Even Financial

Also a connection service, Even Financial works with several of the same lenders as Monevo — and possibly CompareFirst. What sets Even apart are its resources, such as its advanced loan searches and its debt refinancing calculator. This makes it better for borrowers who are new to personal loans and might not be ready to make an informed comparison.

Even Financial’s partners offer loans from $1,000 to $100,000. Its partners also have a much wider range of APRs than LendingPoint, offering rates from 4.99%–35.99%. Borrowers might have anywhere between 2 and 7 years to pay off their loan, depending on which lender they get connected with.

Like with any connection service, you probably won’t be eligible for the highest amounts or lowest rates if you just meet the minimum credit score requirement of 580. And since Even shares your contact information with its partners, you might end up dodging calls and emails from partner lenders even after you’ve been approved for a loan.


  • Helps you compare offers quickly
  • Educational resources
  • Wide range of APRs and loan amounts
  • 580+ credit score


  • Not guaranteed to find a good fit
  • Most competitive loans for good to excellent credit
  • Could get calls from lenders

comparefirst logo

4. CompareFirst

Don’t have time to compare lots of lenders? CompareFirst might be what you’re looking for. Unlike LendingPoint, CompareFirst is a loan connection service that’s designed to cut down on the time it takes to find a lender that works for you and to make comparisons easier. All you have to do is fill out a quick online form to be invited to apply for a loan.

CompareFirst works with lenders who offer APRs ranging from 2.99%–36%, though you probably won’t qualify for the lowest rate if you meet the lowest minimum credit score requirement of 580. You can find loans ranging from $2,000 to $50,000 — twice LendingPoint’s maximum amount. Borrowers typically have 1–5 years to repay their loans.

While CompareFirst’s credit score requirements might be lower than LendingPoint’s, you’ll need to make at least $35,000 a year to qualify with one of its partner lenders. And as with any connection service, you’re limited to its network — there could be a better fit out there.


  • Helps you compare offers quickly
  • Available in all states
  • 580 minimum credit score
  • Wider range of loan amounts


  • Higher income requirement
  • Not guaranteed approval

monevo logo

5. Monevo

Unlike LendingPoint, Monevo is a connection service, not a direct lender. It works similarly to CompareFirst: Fill out a quick application and get connected with lenders in its network. It lists its lending partners online, which include LendingPoint, NetCredit and OneMain, and it’s also available abroad in Australia, China, the UK and Poland. Monevo and its parent company Quint have also won several awards, including the “Best Company” award from the Best Companies group in 2016 and 2017.

Since Monevo is a connection site, you’ll have a lot more options available to you — especially since LendingPoint is one of its partners. Monevo’s partners offer loans between $1,000 and $100,000 — four times the amount you can borrow from LendingPoint. APRs also have a wide range, from 3.09%–35.99%. And you can take anywhere from 6 to 144 months to pay back your loan, depending on your lender.

While Monevo might offer a wide range of loans, it’s not likely that you’ll be able to qualify for that $100,000 loan or the lowest rate if you have a credit score in the ballpark of Monevo’s 580 minimum.


  • Helps you compare offers quickly
  • Wide range of APRs and loan amounts
  • 580+ credit score


  • Not guaranteed to get connected
  • Excellent credit required for more competitive loans

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Rates last updated September 21st, 2018

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Name Product Product Description Min. Credit Score Max. Loan Amount APR
Credible Personal Loans
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Good to excellent credit
4.99%–36% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.09%–35.99% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
4.99%–35.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
6.16%–35.89% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
6.990% – 14.865% (fixed)
Payoff Personal Loans
Pay down your debt with a fixed APR and predictable monthly payments.
5.99%–24.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (Varies by state) (fixed)
Best Egg Personal Loans
A prime lender with multiple repayment methods.
640 FICO®
5.99%–29.99% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
4.99%–29.99% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
16.05%–35.99%* (fixed)

Compare up to 4 providers

Anna Serio

Anna Serio is a staff writer untangling everything you need to know about personal loans, including student, car and business loans. She spent five years living in Beirut, where she was a news editor for The Daily Star and hung out with a lot of cats. She loves to eat, travel and save money.

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Even Financial Personal Loans

Get connected to competitive loan offers instantly from top online consumer lenders.

Prosper Personal Loans

Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

No fees. Multiple member perks such as community events and career coaching.

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