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Vouch personal loans

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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

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.

Read our review of LendingClub

OneMain Financial

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.

Read our review of OneMain Financial

FreedomPlus

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.

Read our review of FreedomPlus

Visit our personal loans page to compare even more lenders. Or compare more personal loan providers that accept cosigners.

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

Rates last updated October 23rd, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
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
$100,000
4.99%–36% (fixed)
Upgrade Personal Loans*
Affordable loans with two simple repayment terms and no prepayment penalties.
620
$50,000
6.99% to 35.97% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
550
$100,000
3.09%–35.99% (fixed)
Marcus by Goldman Sachs Personal Loans
Consolidate your debt or pay off large expenses with competitive rates and no fees.
Good to excellent credit
$40,000
6.99% to 24.99% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
580
$100,000
4.99%–35.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
660
$40,000
6.16% to 35.89% (fixed)
Avant
Conveniently check your loan options without affecting your credit score.
580
$35,000
9.95%–35.99% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
680
$100,000
6.99% to 14.87% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
Varies
$30,000
16.05%–35.99%* (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
550
$10,000
34%–155% (Varies by state) (fixed)
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
Bad credit OK
$10,000
5.99%–35.99% (fixed)

Compare up to 4 providers

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.

Rates last updated October 23rd, 2018
Name Product Min. Credit Score Max. Loan Amount APR Product Description
Credible Personal Loans
Good to excellent credit
$100,000
4.99%–36% (fixed)
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Even Financial Personal Loans
580
$100,000
4.99%–35.99% (fixed)
Get connected to competitive loan offers instantly from top online consumer lenders.
Monevo Personal Loans
550
$100,000
3.09%–35.99% (fixed)
Quickly compare multiple online lenders with competitive rates depending on your credit score.
PersonalLoans.com Loan Connection Service
580
$35,000
2.47% (As low as) (fixed)
Access numerous lenders for peer-to-peer, personal installment and bank personal loans with repayment terms that work around your pay schedule.
 Lendvious Personal Loan Marketplace
550
$50,000
4.99% (starting at) (fixed)
Submit one form to prequalify with a selection of 15+ top online lenders.
LendingTree Personal Loans
640
$50,000
Varies by lender (fixed)
Receive up to five loan offers in just minutes through LendingTree's simple online form.

Compare up to 4 providers

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.

Find out what happens when a lender goes 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.

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US Personal Loans Offers

Important Information*
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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