Vouch is no longer funding loans. Find a lender like Vouch instead.
Vouch was a San Francisco-based lender that allowed borrowers to bring on multiple cosigners to qualify for more competitive rates. But it stopped issuing loans in June 2016. It’s currently servicing loans that borrowers have already taken out.
Personal loans that allow a cosigner
Vouch might be no more, but you can still find lenders that offer loans with cosigners. You might want to start by checking out these lenders.
LendingClub was one of the first peer-to-peer lenders in the country. It’s an online platform that connects borrowers with investors to fund their loans. And it allows cosigners.
- Loan amounts: $1,000 to $40,000
- APR: 6.16% to 35.89%
- Terms: 3 to 5 years
- Eligibility: US citizen or permanent resident, verifiable bank account, steady source of income, be 18+ years old.
OneMain Financial offers personal and car loans with fixed rates. However, there are some state-based restrictions on how much you can borrow and your interest rates. You can choose to receive your loan as a prepaid card or have it directly deposited into your bank account.
- Loan amounts: $1500 (subject to state minimum size restrictions) to $30,000
- APR: 16.05%–35.99%*
- Terms: Typically from 24 to 60 months
- Eligibility: Loan approval and actual loan terms depend on your ability to meet OneMain’s standard credit criteria (including credit history, income, and debts) and if applicable, the ability to provide collateral. Collateral offered must meet OneMain’s criteria.
FreedomPlus offers personal loans for a variety of uses, but you might want to take a closer look at this one if you’re consolidating debt. That’s because you can get a discount if you use at least half of your loan for debt consolidation. It’s not available to residents of all states, however.
- Loan amounts: $7,500 to $35,000
- APR: 4.99%–29.99%
- Terms: 24 to 60 months
- Eligibility: Must have a credit score of 640+, debt-to-income ratio of 40% or lower and annual income of at least $30,000.
Compare available personal loan options
A selection of personal loans you can apply for
Use our comparison table to assess interest rates, lending amounts and requirements you’ll need to get a loan with our personal loan partners
A selection of brokers you can speak to
One way to make sure you’re getting the best rate is to let a broker find a competitive rate for you.
What happens when a lender goes out of business?
It depends on the lender. Generally, they stop issuing loans but continue servicing loans that current borrowers are already paying off. However, some lenders sell their loans to another company when they go out of business.
*Maximum APR is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan.