7 top loan companies like Avant

LendingPoint prefers a minimum credit score of 620 but also looks beyond your credit score to evaluate your creditworthiness. It offers unsecured personal loans with starting rates of 7.99% — lower than Avant's starting rate of 9.95%.

LendingPoint's personal loan amounts range from $2,000 to $36,500, slightly higher than Avant. However, LendingPoint does have a higher origination fee of up to 8%.

• Not available in: Colorado, Connecticut, Idaho, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, Vermont, West Virginia, Wisconsin, Wyoming

OneMain Financial is an online and in-store provider without fixed credit score requirements, making it available to borrowers of all credit scores. If you don't have the credit score to qualify for Avant, this provider might be worth looking into.

It also offers secured and unsecured loans, and securing a loan with collateral could get you a lower rate. However, OneMain Financial has higher rates than Avant overall, ranging from 18% to 35.99%.

There's also an origination fee of up to 10%. And unlike Avant, you can only borrow loans up to $20,000 instead of $35,000.

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

Prosper is pretty comparable to Avant, offering personal loans with lower starting rates from 6.99% to 35.99%. The minimum credit score requirement is 640, higher than Avant's 580. Prosper offers bigger loan amounts than Avant, up to $50,000, and comes with a comparable origination fee of 2.41% to 5%.

The biggest difference with Prosper is that it's a peer-to-peer lender, so an individual investor funds the loan.

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

Upstart has a unique underwriting process with its own algorithms, specifically catering to borrowers with new credit history or lower credit scores. While your credit score matters to the loan application, Upstart also considers alternative factors like your work history and education.

It offers a higher maximum loan amount than Avant of $50,000 and a lower starting rate of 6.4%. However, you may have to plan for a high origination fee of up to 12% of the loan amount. And there are only two terms to choose from: three or five years.

• Not available in: West Virginia

Not many lenders accept cosigners on personal loans, but Achieve does. Previously FreedomPlus, it has a low credit score requirement of 620 and ARPs starting at 8.99% — a higher credit score requirement than Avant but a lower starting rate.

You can add a cosigner if you'd like to try for a lower rate or increase your chance of approval. And if you're consolidating debt, Achieve offers a rate discount of up to 6% if it sends at least 85% of the funds directly to your creditors. However, Achieve's origination fee is slightly higher than Avant — up to 6.99% — and most customers pay the max fee.

• 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

Monevo is a connection service, not a direct lender, so you'll have the chance to find a wide variety of loans you might qualify for. After completing a few-minute online form, you can quickly compare lender offers that may fit your situation.

There's no set minimum credit score, but borrowers with bad or fair credit are unlikely to qualify for its low advertised rates. And like many other connection services, you may receive marketing content from lenders after completing the free online form.

• Available in all states