7 sites like OneMain Financial

Upstart looks at factors like your career and level of education to help borrowers with fair credit qualify for a better rate than they might find elsewhere. This makes it a good choice if you have fewer than three years of credit history. But that credit history shouldn’t have minimal negative marks — you still need a credit score of 580 or 600, depending on where you live. It also charges a relatively high origination fee of up to 8%.

• Not available in: West Virginia

This online lender offers loans and lines of credit with one of the lowest minimum credit scores available. Unlike OneMain, there’s no origination fee or penalty for repaying your loan early. But it’s not available in every state and rates are high, even compared to OneMain. This makes it a better option for those who have struggled to qualify with OneMain.

• Not available in: Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia

This online connection service specializes in helping borrowers with bad credit find a loan with a rate under 36% APR. You can compare multiple offers from its partners by filling out a quick online form. But like with other connection services, you might have to field calls and emails from its partners, even after you get your loan. Try a direct lender if you’re uncomfortable with widely sharing your contact information.

• Not available in: Arkansas, Vermont, West Virginia

Monevo is an award-winning connection service that can help you find a personal loan as low as $500. Terms range widely from 3 to 144 months with options for all credit types. But since it’s not a direct lender, you have to agree to share your information with its partners when you sign up.

• Available in all states

Peerform is a peer-to-peer platform that connects borrowers with funding from individuals investors. It has low credit requirements compared to other platforms, like LendingClub or Prosper. Where most lenders on this list cap out at 36%, rates don’t go any higher than 29.99% at Peerform. But loan amounts start at a high $4,000, and it can take days to receive your funds.

• Not available in: Connecticut, Hawaii, Idaho, Iowa, Maine, North Dakota, Vermont, Washington, West Virginia, Wyoming

Avant is one of the few lenders that makes it easy to apply if you work for yourself — most providers want to see your most recent pay stub. It also accepts credit scores as low as 580 and allows you to check your rates without impacting your credit. But while its rates start lower than what you’ll find at OneMain, they’re still higher than you’ll find with lenders that have higher credit requirements.

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

LendingPoint charges repayments every 28 days, rather than every month. This makes it easier to line up your repayments with your paycheck if you get paid every two weeks. It also accepts credit scores as low as 585. But it charges a relatively high origination fee of up to 6% compared to other providers. And you have to be at your current job for at least a year to qualify.

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