A peer-to-peer lender, Prosper could get you up to $35,000 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 year(s) or 5 year(s).
Cons
- Loans capped at $35,000.
- Offers only 2 fixed term lengths.
Looking for a lender with more flexible terms?
1. LendingClub
Apply for an unsecured personal loan of up to $40,000 with LendingClub.
Pros
- No prepayment penalties.
- Fixed rates.
- Fast and simple application.
Cons
- Higher rates for poor credit borrowers.
- Unavailable to Iowa and West Virginia residents.

2. 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.
- Pay no fees for early repayment.
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.
3. 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.
- Available in 48 states and the District of Columbia.
- Free credit counseling and unemployment protection.
- No origination, closing, late, NSF, or prepayment fees.
Cons
- Strict eligibility requirements.
- Lower approval rate than other lenders.

4. 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
- Low maximum loan amount.
- Loans available in 29 states only.
- Stiff late fees could apply.

5. 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.
Cons
- Higher APRs than competing lenders.
- Origination fees vary by state.
- Low maximum loan amount.

6. Avant
Avant offers personal loans with funds deposited into your account as soon as the business day after approval. Learn about similar online lenders.
Pros
- Quick approval and funding.
- Pay no fee for early repayment.
- Reports to the three major credit bureaus to help build your credit.
Cons
- Maximum loan amount varies by state.
- May not be available in all states.
- Potentially high origination fees if approved.

Personal loans through Prosper
You could borrow up to $35,000 for a variety of purposes, with rates from 5.99%–35.99%%.
- Recommended Credit Score: 640 or higher
- Minimum Loan Amount: $2,000
- Maximum Loan Amount: $35,000
- Loan Term: 3 or 5 years
- Turnaround Time: 1-3 business days
- Simple online application process
- No prepayment penalties