Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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.

Updated

Fact checked
t

Editor's choice: SoFi personal loans

SoFi personal loans logo
  • Competitive APRs from 5.99% to 18.53%
  • Loans up to $100,000
  • Optional banking system
Go to site

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

Go to 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.

Cons

  • Loans capped at $40,000.
  • Offers only 2 fixed term lengths.
  • Longer turnaround time than SoFi
Go to site

lendingclub logo

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 little as 4 days to get your funds.
Go to 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

  • 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.
Go to site

NetCredit personal loans logo

4. NetCredit

NetCredit offers unsecured personal loans up $10,500 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.
Go to site

OneMain logo

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.
Go to site

Avant personal loan logo

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.
Go to site

See how other top providers compare to different lenders by checking out A-to-Z directory.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site