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Compare sites like LendingClub

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Need a personal loan but not sure LendingClub is the right fit? Browse these other options to find a lender that suits you.

Pros

  • No prepayment penalties.
  • Fixed rates.
  • Fast and simple application.

Cons

  • Higher rates for poor credit borrowers.
  • Unavailable to Iowa and West Virginia residents.

Looking for a lender with less fees?

Alternative sites like LendingClub

Go to Lending Club's site

Prosper logo

1. Prosper

A peer-to-peer lender, Prosper could get you up to $40,000 to consolidate your debt, start a business, improve your home and more.

Pros

  • Offers loans for a variety of purposes.
  • Low starting APRs.
  • Simple terms of 3 years or 5 years.
  • Loans available for medical financing.

Cons

  • Loans capped at $40,000.
  • Only offers 2 fixed term lengths.
  • Hefty origination fee between 2.41% and 5%.
Go to Prosper Funding LLC's site

2. Monevo

With this connection service, you can quickly compare direct lenders offering personal loans from $500 to $100,000 loans with competitive rates.

Pros

  • Award-winning service.
  • Check potential loan rates without affecting your credit.
  • Network of top providers in the loans market.
  • Wide range loan terms available.

Cons

  • Not guaranteed to find the right loan for you.
  • No customer service phone number.

Go to Monevo's site


Upstart logo

3. Upstart

This newer online lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans.

Pros

  • Good for younger borrowers with limited credit history.
  • Offers a variety of loans with one simple application.
  • No early repayment fees.

Cons

  • High origination fees of up to 8% rolled into loan.
  • Not the lowest starting APR in the market.
  • Additional fees for things like paper copy requests and late payments.

Go to Upstart Personal Loans's site


Sofi logo

4. SoFi

If you have a good to excellent credit score, SoFi can get you fast funding with low interest rates and no fees.

Pros

  • High maximum loan amount of $100,000.
  • Free credit counseling and unemployment protection.
  • No fees.

Cons

  • Strict eligibility requirements.
  • Lower approval rate than other lenders.
Go to SoFi's site

NetCredit logo

5. NetCredit

NetCredit offers unsecured personal loans up $10,000 that could help you rebuild your credit, even if you have a low credit score.

Pros

  • Quick turnaround time with flexible repayments.
  • Fair credit OK.
  • No early repayment fees.

Cons

  • Potential for high interest rates.
  • Low maximum loan amount.
  • Only available in 14 states.
Go to NetCredit's site

OneMain Fianncial logo

6. OneMain Financial

In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes.

Pros

  • Offers both secured and unsecured loans.
  • Allows joint applications.
  • Seven-day satisfaction guarantee.

Cons

  • Higher APRs than competing lenders.
  • Origination fees vary by state.
  • Low maximum loan amount.
Go to OneMain's site

Avant logo

7. Avant

Avant offers personal loans with funds deposited into your account as soon as the next business day if you’re approved.

Pros

  • Reports to the three major credit bureaus.
  • Quick approval and funding.
  • Pay no fee for early repayment.
  • Credit scores of 580+ accepted.

Cons

  • Maximum loan amount varies by state.
  • May not be available in all states.
  • Potentially high origination fees.
Go to Avant's site

Our top pick: LendingClub Personal Loan

  • Min. Credit Score Required: 640
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $40,000
  • APR: 6.95% to 35.89%
  • Requirements: US citizen or permanent resident, verifiable bank account, steady source of income, ages 18+.
  • No prepayment penalties
  • Flexible loan terms
  • Fast and easy application

Our top pick: LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

  • Min. Credit Score Required: 640
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $40,000
  • APR: 6.95% to 35.89%
  • Requirements: US citizen or permanent resident, verifiable bank account, steady source of income, ages 18+.
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