Does Capital One do personal loans? Not anymore, but here are 4 alternatives in 2026

MoneyLion is a free service that connects you with top lenders to find a personal loan tailored to your needs, whether for home improvement, debt consolidation or unexpected expenses. Loans range from $500 to $250,000 with a variety of loan terms. Interest rates vary depending on the lender, your credit score, income and other factors. MoneyLion also has partners that can help borrowers with less-than-stellar credit gain access to loans.

To get started, complete the quick and easy online application that won't impact your credit score. You'll receive multiple options based on your eligibility and requirements. These options allow you to easily compare rates, terms and monthly payments.

However, reviews of the company are mixed. While Trustpilot and BBB reviews rate the company highly, there's also a BBB alert due to an ongoing pattern of complaints.

• Not available in: Colorado, Connecticut, New York, Vermont, West Virginia

• Why we like it

  MoneyLion is a free service that connects you with top lenders to find a personal loan tailored to your needs, whether for home improvement, debt consolidation or unexpected expenses. Loans range from $500 to $250,000 with a variety of loan terms. Interest rates vary depending on the lender, your credit score, income and other factors. MoneyLion also has partners that can help borrowers with less-than-stellar credit gain access to loans.

  To get started, complete the quick and easy online application that won't impact your credit score. You'll receive multiple options based on your eligibility and requirements. These options allow you to easily compare rates, terms and monthly payments.

  However, reviews of the company are mixed. While Trustpilot and BBB reviews rate the company highly, there's also a BBB alert due to an ongoing pattern of complaints.

• Pros and cons

  Pros

  • Compare lenders without affecting your credit score
  • Simple and quick application
  • Low minimum loan amount available

  Cons

  • Shares your information with third parties
  • Mixed reviews online

• More details

  Loan amount	$500 to $250,000
  APR	Varies by lender
  Interest Rate Type	Fixed
  Min. credit score	Varies by lender
  Turnaround Time	As soon as same day
  Loan Term	Varies by lender

LightStream offers loans with competitive rates starting as low as 6.99% and no origination or other fees. Plus, if you're looking for a fast lender, funds could be available as soon as the same day you apply. You can also take advantage of its Rate Beat Program and generous 0.5% APR discount for signing up for autopay. But you'll need good to excellent credit to qualify for a LightStream loan. And loan amounts start higher than average, which isn't ideal for smaller emergencies.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream offers loans with competitive rates starting as low as 6.99% and no origination or other fees. Plus, if you're looking for a fast lender, funds could be available as soon as the same day you apply. You can also take advantage of its Rate Beat Program and generous 0.5% APR discount for signing up for autopay. But you'll need good to excellent credit to qualify for a LightStream loan. And loan amounts start higher than average, which isn't ideal for smaller emergencies.

• Pros and cons

  Pros

  • Highly competitive rates
  • Funding as soon as the same day
  • 0.5% rate discount for autopay

  Cons

  • Preapproval not available
  • High minimum loan amount
  • No customer service line

• More details

  Loan amount	$5,000 to $100,000
  APR	Varies by loan purpose
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	Up to 20 years for home improvement; 2–7 years for most other purposes

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

If you prefer working with a lender face to face, you might want to consider Wells Fargo. It offers a wide range of borrowing amounts, competitive rates and terms as long as seven years. And it's fast for a traditional bank — you could get your funds as soon as the next business day after approval. But to qualify for a personal loan, you must have an existing Wells Fargo account for at least 12 months.

• Available in all states

• Why we like it

  If you prefer working with a lender face to face, you might want to consider Wells Fargo. It offers a wide range of borrowing amounts, competitive rates and terms as long as seven years. And it's fast for a traditional bank — you could get your funds as soon as the next business day after approval. But to qualify for a personal loan, you must have an existing Wells Fargo account for at least 12 months.

• Pros and cons

  Pros

  • No origination fees
  • Rates start at 6.74%
  • No prepayment penalties

  Cons

  • Only current customers can apply
  • Relatively high minimum loan amount
  • Late fee as high as $39

• More details

  Loan amount	$3,000 to $100,000
  APR	6.74% to 26.49%
  Interest Rate Type	Fixed
  Min. credit score	Varies
  Turnaround Time	As soon as 1 business day
  Loan Term	12 to 84 months

Best Egg offers personal loans up to $50,000 with more lenient credit requirements than some lenders. It's known for its good customer service, easy application process and fast funding. It also has secured and unsecured loans and opportunities for rate discounts, such as authorizing the lender to pay your creditors directly. But Best Egg charges origination fees up to 9.99%, it's not available in every state and minimum loan amounts are higher in some states.

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Best Egg offers personal loans up to $50,000 with more lenient credit requirements than some lenders. It's known for its good customer service, easy application process and fast funding. It also has secured and unsecured loans and opportunities for rate discounts, such as authorizing the lender to pay your creditors directly. But Best Egg charges origination fees up to 9.99%, it's not available in every state and minimum loan amounts are higher in some states.

• Pros and cons

  Pros

  • Accepts borrowers with fair credit
  • Competitive rates
  • No prepayment penalties

  Cons

  • Charges origination fees
  • Minimum loan amounts are higher in some states
  • Not available in all states

• 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	36 to 60 months (unsecured); 60 to 84 months (home-secured)

• 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/