7 Loans Like OneMain Financial for Bad & Fair Credit in 2026

If you've got good credit, SoFi® could be a good option. It offers personal loans from $5,000 to $100,000 with rates starting from 6.99% APR, and no fees for things like late payments or prepaying your loan. You might even get your money the same day you're approved. SoFi® is best if your credit score is in the mid-600s or higher and you're looking for a lender with more competitive rates, a clean user experience and no surprise costs.

• Available in all states

• Why we like it

  If you've got good credit, SoFi® could be a good option. It offers personal loans from $5,000 to $100,000 with rates starting from 6.99% APR, and no fees for things like late payments or prepaying your loan. You might even get your money the same day you're approved. SoFi® is best if your credit score is in the mid-600s or higher and you're looking for a lender with more competitive rates, a clean user experience and no surprise costs.

• Pros and cons

  Pros

  • No fees
  • Prequalify with a soft credit check
  • Same-day funding

  Cons

  • High minimum loan
  • Good credit required
  • Not for short-term needs

• More details

  Loan amount	$5,000 to $100,000
  APR	6.99% to 35.49% with autopay and member discounts (0.25% each)
  Interest Rate Type	Fixed
  Min. credit score	680
  Turnaround Time	Same day (if approved and signed by 5:30 p.m. ET)
  Loan Term	2 to 7 years

• Partner terms and conditions

  Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Information current as of 07/20/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
  
  Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount.
  
  SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 07/20/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
  
  Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan
  proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.
  
  Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
  
  Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet.
  
  Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
  
  Direct deposit. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

Achieve offers personal loans from $5,000 to $50,000. It also offers discounts on its debt consolidation loans if Achieve pays your creditors directly, but there are other discounts up for grabs. Achieve accepts credit scores as low as 640 with interest rates ranging from 6.25% to 35.99% — so its max rates are on the lower end compared to some lenders. And, if you struggle to qualify, this lender allows for co-borrowers.

• 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

• Why we like it

  Achieve offers personal loans from $5,000 to $50,000. It also offers discounts on its debt consolidation loans if Achieve pays your creditors directly, but there are other discounts up for grabs. Achieve accepts credit scores as low as 640 with interest rates ranging from 6.25% to 35.99% — so its max rates are on the lower end compared to some lenders. And, if you struggle to qualify, this lender allows for co-borrowers.

• Pros and cons

  Pros

  • Offers multiple discounts
  • Can pay creditors directly
  • No prepayment penalties
  • Accepts coapplicants

  Cons

  • Charges an origination fee
  • Not available in all states

• More details

  Loan amount	$5,000 to $50,000
  APR	6.25% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as same business day
  Loan Term	24 to 60 months

LightStream offers loans up to $100,000, with rates starting at 7.44% or 9.99% with an autopay discount and a rate beat program. And, you won't pay origination fees. Plus, LightStream offers fast loans, you could see funds as soon as the same day you apply. However, you'll likely need good to excellent credit to qualify for a loan with this lender.

• Not available in: Iowa, West Virginia

• Why we like it

  LightStream offers loans up to $100,000, with rates starting at 7.44% or 9.99% with an autopay discount and a rate beat program. And, you won't pay origination fees. Plus, LightStream offers fast loans, you could see funds as soon as the same day you apply. However, you'll likely need good to excellent credit to qualify for a loan with this lender.

• Pros and cons

  Pros

  • Same-day funding
  • No fees
  • Low starting APR

  Cons

  • No prequalification
  • Loans start at $5,000

• More details

  Loan amount	$5,000 to $100,000
  APR	Varies by loan purpose
  Interest Rate Type	Fixed
  Min. credit score	Good to excellent credit
  Turnaround Time	As soon as same day
  Loan Term	Up to 20 years for home improvement; 2–7 years for most other purposes

• Partner terms and conditions

  Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
  
  Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
  
  Maximum APR for a LightStream loan is 25.79%. Loan terms range from 24 - 240 months depending on the loan type.

While Earnin doesn't offer personal loans, it may be a good option if you're needing a smaller loan to get you by. EarnIn's cash out feature lets you borrow up to $1,000 of your earned wages before payday. You won't have to pass a credit check or pay interest with this option. However, you need to be employed and receive regular direct deposits. You can get an advance for free within one to three business days, or in minutes for a fee.

• Not available in: Connecticut, District of Columbia

• Why we like it

  While Earnin doesn't offer personal loans, it may be a good option if you're needing a smaller loan to get you by. EarnIn's cash out feature lets you borrow up to $1,000 of your earned wages before payday. You won't have to pass a credit check or pay interest with this option. However, you need to be employed and receive regular direct deposits. You can get an advance for free within one to three business days, or in minutes for a fee.

• Pros and cons

  Pros

  • No credit check
  • No interest
  • Option for near instant borrowing

  Cons

  • Requires verification of employment earnings
  • Can only qualify with employment income
  • Instant transfers cost a small fee

• More details

  Loan amount	Up to $150/day, with a max of $1000 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1-2 business days standard, in minutes with a small fee

• Partner terms and conditions

  EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.

Opploans offers loans from $500 to $5,000, and it doesn't require a hard credit check to qualify. Plus, it reports payments to the major credit bureaus, and offers a way to build your credit score as you repay your loan. And, if you're in need of quick cash you could see funds as soon as the same day you apply. But, rates can run high, and it's not available in all states.

• Not available in: Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

• Why we like it

  Opploans offers loans from $500 to $5,000, and it doesn't require a hard credit check to qualify. Plus, it reports payments to the major credit bureaus, and offers a way to build your credit score as you repay your loan. And, if you're in need of quick cash you could see funds as soon as the same day you apply. But, rates can run high, and it's not available in all states.

• Pros and cons

  Pros

  • No hard credit check
  • No prepayment penalties
  • Helps to build credit

  Cons

  • Rates can run as high as 195%
  • Not available in all states

• More details

  Loan amount	$500 to $5,000
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

• Partner terms and conditions

  The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.

Best Egg is an online lender offering loans up to $50,000. Its interest rates may be lower than OneMain with starting interest rates at 6.99%. Customer reviews speak highly of this lender for its stellar customer service. But, because Best Egg relies on more traditional underwriting criteria, borrowers with at least three years of credit history may have an easier time qualifying with this lender.

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Best Egg is an online lender offering loans up to $50,000. Its interest rates may be lower than OneMain with starting interest rates at 6.99%. Customer reviews speak highly of this lender for its stellar customer service. But, because Best Egg relies on more traditional underwriting criteria, borrowers with at least three years of credit history may have an easier time qualifying with this lender.

• Pros and cons

  Pros

  • Excellent customer reviews
  • Funding as soon as next business day
  • No prepayment penalty

  Cons

  • Not available in all states
  • Charges origination fees

• More details

  Loan amount	$2,000 to $50,000
  APR	6.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	36 to 60 months (unsecured); 60 to 84 months (home-secured)

• Partner terms and conditions

  *Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

Credible offers borrowers a way to compare prequalified rates from several personal loan lenders with one application. This way, you have a better shot at finding a loan with lower rates and terms without impacting your credit score. Loan offers can range from $1,000 to $250,000 and rates top out at 35.99%. Your terms vary by lender, but its site mentions that some lenders accept borrowers with bad credit.

• Available in all states

• Why we like it

  Credible offers borrowers a way to compare prequalified rates from several personal loan lenders with one application. This way, you have a better shot at finding a loan with lower rates and terms without impacting your credit score. Loan offers can range from $1,000 to $250,000 and rates top out at 35.99%. Your terms vary by lender, but its site mentions that some lenders accept borrowers with bad credit.

• Pros and cons

  Pros

  • Offers best rate guarantee
  • Funding as soon as one day
  • Compare multiple lenders at once

  Cons

  • Not a direct lender
  • Some complaints around customer service

• More details

  Loan amount	$1,000 to $250,000
  APR	5.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Fair to excellent credit
  Turnaround Time	As soon as 1 business day
  Loan Term	Varies by lender

• Partner terms and conditions

  Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 5.99% - 35.99% APR with terms from 12 to 120 months. Credible also works with network Partners like AmONE, Alternative Providers, and non-lender providers such as Accredited Debt Relief who offer loans and other products with different rates and terms than described here. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 15%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three-year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.