10 Low-Interest Personal Loans Like Best Egg for 2026

SoFi offers relatively low rates on personal loans and access to extra perks for members. This includes access to financial advisors, networking opportunities and an entrepreneur program — which comes with seed money and more. SoFi offers fixed-rate loans from 6.99% APR to 29.49% APR, which reflects both autopay and direct deposit discounts and is lower than Best Egg's highest rate. But it's unclear if it charges origination fees or not, so borrowers will want to check that before accepting a loan. And it's harder to qualify with this lender than Best Egg, requiring a credit score of at least 680.

• Available in all states

• Why we like it

  SoFi offers relatively low rates on personal loans and access to extra perks for members. This includes access to financial advisors, networking opportunities and an entrepreneur program — which comes with seed money and more. SoFi offers fixed-rate loans from 6.99% APR to 29.49% APR, which reflects both autopay and direct deposit discounts and is lower than Best Egg's highest rate. But it's unclear if it charges origination fees or not, so borrowers will want to check that before accepting a loan. And it's harder to qualify with this lender than Best Egg, requiring a credit score of at least 680.

• Pros and cons

  Pros

  • Rate discounts available
  • Member benefits
  • Competitive rates

  Cons

  • Higher minimum credit score than Best Egg
  • Origination fees unclear
  • Not available in Mississippi

• More details

  Loan amount	$5,000 to $100,000
  APR	6.99% to 35.49% with autopay and member discounts (0.25% each)
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Same day (if approved and signed by 5:30 p.m. ET)
  Loan Term	2 to 7 years

• Partner terms and conditions

  Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
  
  Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.
  
  SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, 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 07/20/26 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.
  
  Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
  
  Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
  
  Direct deposit. 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 Plus by 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.

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 also 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.

• Not available in: Iowa, West Virginia

• Why we like it

  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 also 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.

• Pros and cons

  Pros

  • Larger amounts available
  • Rate Beat program
  • No fees

  Cons

  • Minimum loan amount of $5,000
  • Most competitive rates require autopay

• 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.

Upstart might be a good alternative to Best Egg if you're just starting to build your credit. While most lenders like to see credit scores of at least 600, Upstart 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 $75,000. Its rates start as low as 6.3% APR, but origination fees may run as high as 12%.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Upstart might be a good alternative to Best Egg if you're just starting to build your credit. While most lenders like to see credit scores of at least 600, Upstart 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 $75,000. Its rates start as low as 6.3% APR, but origination fees may run as high as 12%.

• Pros and cons

  Pros

  • Accepts fair credit
  • Factors in alternative criteria
  • Loans as low as $1,000

  Cons

  • Loan terms are limited to 3 or 5 years
  • Minimum loan amounts up to $7,000 in some states
  • Origination fee as high as 12%

• More details

  Loan amount	$1,000 to $75,000
  APR	6.30%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

OneMain Financial is one of the few lenders that accepts bad credit, making it a good alternative to Best Egg for borrowers with a poor credit history. While rates start high at 11.99% APR, that's lower than what you'll find with most lenders that accept bad credit scores. 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 may want to consider other debt-relief options or DIY debt payment strategies.

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

• Why we like it

  OneMain Financial is one of the few lenders that accepts bad credit, making it a good alternative to Best Egg for borrowers with a poor credit history. While rates start high at 11.99% APR, that's lower than what you'll find with most lenders that accept bad credit scores. 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 may want to consider other debt-relief options or DIY debt payment strategies.

• Pros and cons

  Pros

  • Accepts poor credit
  • Factors in alternative criteria
  • Secured options for lower rates

  Cons

  • Higher APRs than Best Egg
  • Not ideal for debt consolidation
  • Origination fee as high as 10%

• More details

  Loan amount	$1,500 to $30,000
  APR	11.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24 – 60 months

• Partner terms and conditions

  You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.  
   
  Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. 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.
   
  OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.
   
  Current OneMain Customers:  Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates.  If a customer applies for a new loan offer, a OneMain representative will discuss available options.
   
  Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral.  If you are covered by the MLA, you are not eligible for secured loans.
   
  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.
   
  Time to Fund Loans: Funding within one hour after loan 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 closing.

• Available in: Alabama, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin

• Why we like it

  Integra Credit specializes in financing for bad credit borrowers. Its installment loans range from $500 to $3,000 with between 10 and 21 months to repay the funds. These are more costly than Best Egg's personal loans, with rates ranging from 149% to 399%. And while the short loan terms and lack of prepayment penalties can help you save on the high interest rate, it also means your monthly payment might be higher than it would be with Best Egg. Integra only serves some states, so check to make sure it's available where you live before you apply.

• Pros and cons

  Pros

  • Accepts bad credit
  • No prepayment penalties
  • Fully online application

  Cons

  • Higher APRs than Best Egg
  • Not available in all states
  • No terms over 24 months

• More details

  Loan amount	$500 - $3,000
  Interest rate type	Fixed
  APR	149% to 399%
  Loan Term	10 to 21 months
  Turnaround time	Within minutes

Achieve personal loans have comparable interest rates to Best Egg, but it offers several alternatives for rate discounts. Applying with a co-borrower, having the loan proceeds sent directly to creditors or showing proof of sufficient retirement funds can all help you secure a better rate. While Achieve does charge an origination fee of up to 8.99%, it's lower than Best Egg's highest fee of 8.99%. And like Best Egg, it's also not available in every state.

• 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 personal loans have comparable interest rates to Best Egg, but it offers several alternatives for rate discounts. Applying with a co-borrower, having the loan proceeds sent directly to creditors or showing proof of sufficient retirement funds can all help you secure a better rate. While Achieve does charge an origination fee of up to 8.99%, it's lower than Best Egg's highest fee of 8.99%. And like Best Egg, it's also not available in every state.

• Pros and cons

  Pros

  • Lower origination fees than Best Egg
  • Discount for joint applicants
  • Discount for debt consolidation

  Cons

  • Best rates require excellent credit and loans under $12,000
  • Limited state availability

• More details

  Loan amount	$5,000 to $50,000
  APR	6.25% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as same business day
  Loan Term	24 to 60 months

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. Upgrade also offers longer loan terms of up to seven years, versus Best Egg's maximum five-year term. Other than that, Upgrade's starting interest rates are slightly lower but its origination fees are a bit more.

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

• Why we like it

  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. Upgrade also offers longer loan terms of up to seven years, versus Best Egg's maximum five-year term. Other than that, Upgrade's starting interest rates are slightly lower but its origination fees are a bit more.

• Pros and cons

  Pros

  • Loans as low as $1,000
  • Starting rates slightly lower than Best Egg
  • Longer loan term

  Cons

  • Higher origination fees
  • Must agree to autopay for lower rate
  • Not available in all states

• More details

  Loan amount	$1,000 to $50,000
  APR	7.74% to 35.99% (includes origination fee)
  Interest Rate Type	Fixed
  Min. credit score	580
  Turnaround Time	1 to 4 business days
  Loan Term	2 to 7 years

• Partner terms and conditions

  Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

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 loan terms up to five years. But Prosper charges a 1% to 9.99% origination fee which beats Best Egg's highest origination fee of 8.99%. Plus, Prosper only asks for a minimum credit score of 640, whereas Best Egg requires a score of 640.

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

• Why we like it

  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 loan terms up to five years. But Prosper charges a 1% to 9.99% origination fee which beats Best Egg's highest origination fee of 8.99%. Plus, Prosper only asks for a minimum credit score of 640, whereas Best Egg requires a score of 640.

• Pros and cons

  Pros

  • Similar rates and loan terms as Best Egg
  • Lower origination fee
  • Accepts 640 credit scores

  Cons

  • Potentially longer turnaround time
  • Not available in all states

• More details

  Loan amount	$2,000 to $50,000
  APR	8.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

It may be easier to get a loan with Avant than Best Egg because it accepts borrowers with credit scores as low as 550, as opposed to the 640 requirement from Best Egg. But its origination fees are a bit higher at up to 9.99%. Plus, with APRs ranging from 9.95% and 35.99%, borrowers with good credit or higher may want to consider other lending sources. It also settled lawsuits over its collection practices in 2019 and 2021.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  It may be easier to get a loan with Avant than Best Egg because it accepts borrowers with credit scores as low as 550, as opposed to the 640 requirement from Best Egg. But its origination fees are a bit higher at up to 9.99%. Plus, with APRs ranging from 9.95% and 35.99%, borrowers with good credit or higher may want to consider other lending sources. It also settled lawsuits over its collection practices in 2019 and 2021.

• Pros and cons

  Pros

  • Positive customer reviews
  • Accepts fair credit

  Cons

  • Higher starting APRs
  • Larger origination fees

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

If you're looking for a smaller loan than most personal loan lenders offer — and you want to avoid a pricey payday loan — consider a cash advance app like EarnIn. EarnIn offers cash advances up to $1,000 per pay period, and it doesn't charge interest or late fees, making it a more affordable option. It also doesn't charge subscription fees — a common component of other cash advance apps. But you can only request up to $150 a day, and the loan is due on your next payday

• Not available in: Connecticut, District of Columbia

• Why we like it

  If you're looking for a smaller loan than most personal loan lenders offer — and you want to avoid a pricey payday loan — consider a cash advance app like EarnIn. EarnIn offers cash advances up to $1,000 per pay period, and it doesn't charge interest or late fees, making it a more affordable option. It also doesn't charge subscription fees — a common component of other cash advance apps. But you can only request up to $150 a day, and the loan is due on your next payday

• Pros and cons

  Pros

  • Loans up to $1,000
  • No interest or late charges
  • No monthly subscription fees

  Cons

  • Can only request $150 per day
  • Fee for instant funding transfers

• More details

  Loan amount	Up to $150/day, with a max of $1000 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1-2 business days standard, in minutes with a small fee

• Partner terms and conditions

  EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.