Loans like Best Egg

LightStream offers some of the lowest rates available for excellent credit borrowers, and it will beat a competitor's rate by .10% if you meet certain conditions. It has a 0.5% autopay discount if you set up payments before loan funding. Loan amounts are higher than Best Egg, starting at $5,000 and going up to $100,000. LightStream doesn't include application fees, origination fees or prepayment penalties.

• Available in all states

Upstart can be a good alternative to Best Egg if you're just building your credit. While most borrowers happen to have fair or good credit, it goes beyond your credit score to look at other factors, such as your education and career. It also offers a wider range of loan amounts than Best Egg, from $1,000 to $50,000. Its rates start as low as 7.8% APR, but origination fees run as high as 12%.

• Not available in: West Virginia

OneMain Financial is one of the few lenders that accepts poor credit, making it a good alternative to Best Egg for borrowers with bad credit. While rates start high at 18% APR, it's lower than what you'll find with most lenders that accept poor credit. It also offers a secured option to help you qualify for a lower rate than you might otherwise find with another lender. But due to the high rates, this loan isn't a good option for debt consolidation — even if you can't qualify for another personal loan. Bad credit borrowers should consider other debt-relief options or DIY debt payment strategies.

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

Achieve (formerly FreedomPlus) not only has lower rates than Best Egg, but it also offers steep rate discounts. This can reach as high as to 6% off your APR if you apply with a coborrower and 4% off if you send the loan directly to creditors for debt consolidation. While FreedomPlus charges an origination fee of up to 6.99%, it's lower than Best Egg's fee. However, it has a slightly longer turnaround time, taking up to four days from start to finish. It's also not available in several states.

• 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

Upgrade offers loans as low as $1,000 — one of the smallest loans you can find with a personal loan provider. This makes it a good alternative to Best Egg if you want something under the lender's minimum. Other than that, these two lenders are relatively similar — rates and fees are on the high end for a personal loan provider, but both accept fair credit. Aside from the loan amounts, the main difference is that Upgrade is slightly harder to qualify for. In addition to the minimum credit score requirement of 620, Upgrade also requires borrowers to have at least $1,000 in monthly income left after expenses.

• Not available in: Colorado, Iowa, Maryland, Vermont, West Virginia

Loans through Prosper are similar to Best Egg loans, offering amounts between $2,000 and $50,000, with APRs between 8.99% and 35.99% and three- to five-year repayment terms. Prosper charges a 1% to 7.99% origination fee and it can take up to 14 days to get your funds. Prosper doesn't get as high of marks on sites like Trustpilot, though, which may have to do with the longer turnaround time.

• Not available in: Iowa, North Dakota, West Virginia

Avant makes it easier to get a loan when you don't work full-time for an employer — it can take time to prove that you have steady income. This lender also accepts borrowers with credit scores as low as 580 and charges lower origination fees, making it a good option for borrowers on the lower end of the fair credit spectrum. However, with APRs ranging from 9.95% and 35.99%, borrowers with good credit or higher should avoid this option. It also settled lawsuits over its collection practices in 2019 and 2021.

• Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia

Universal Credit may have higher rates and fees than most personal loan providers. But like Best Egg, it's one of the few that gets consistently positive customer reviews across sites like the Better Business Bureau (BBB) and Trustpilot. If you have fair credit and would pay a little extra to avoid hours on the phone with customer service, this might be the choice for you. But for good credit borrowers, the savings from lower rates and fees at another lender could be worth the potential hassle.

• Not available in: Iowa, West Virginia

SoFi offers relatively low rates and access to extra perks. This includes access to financial advisers, networking opportunities and an entrepreneur program — which comes with seed money and more. SoFi offers fixed-rate loans from 8.99% APR to 29.99% APR, which includes an autopay discount. But it's harder to qualify with this lender than Best Egg, requiring a credit score of at least 680.

• Available in all states