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Compare sites like SoFi for personal loans
If you have good to excellent credit, 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.
- Allows coapplicants.
- Networking and community events.
Cons
- Strict eligibility requirements.
- Lower approval rate than other lenders.
- Not available in Mississippi.
Looking for other lenders that offer low starting APR’s?
Alternative sites like SoFi
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.
Cons
- Loans capped at $40,000.
- Offers only 2 fixed term lengths.
- Longer turnaround time than SoFi
2. LendingClub
Apply for an unsecured personal loan of up to $40,000 with LendingClub.
Pros
- Smaller amounts available
- No prepayment penalties.
- Fixed rates.
- Fast and simple application.
Cons
- Higher rates for poor credit borrowers.
- Unavailable to Iowa and West Virginia residents.
- As few as 3 days to get your funds.
3. Upstart
This newer online lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans.
Pros
- Better 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.
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 14 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.
- Considers poor credit applicants.
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.
Our top pick: SoFi Personal Loans
- No fees
- Autopay discount
- Competitive rates
Our top pick: SoFi Personal Loans
- Min. Credit Score Required: 680
- Min. Loan Amount: $5,000
- Max. Loan Amount: $100,000
- APR: 5.99% to 20.91%
- Requirements: Ages 18+, US citizen or permanent resident
Disclaimer
SoFi Personal Loans
Fixed rates from 5.99% APR to 21.16% (with AutoPay). SoFi rate ranges are current as of January 30, 2020 and are subject to change without notice. See APR examples and terms. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have excellent credit and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including credit score, credit usage and history, years of experience, our ability to verify your income and employment and other factors. The SoFi 0.25% AutoPay interest rate reduction applies if you 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 obtain a loan.
See how other top providers compare to different lenders by checking out A-to-Z directory.
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