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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.


  • High maximum loan amount of $100,000.
  • Free credit counseling and unemployment protection.
  • No fees.
  • Allows coapplicants.
  • Networking and community events.


  • Strict eligibility requirements.
  • Lower approval rate than other lenders.
  • Not available in Mississippi.

1. Prosper

Prosper personal loans

3.42 / 5

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.

  • Not available in: Iowa, North Dakota, West Virginia
  • Offers loans for a variety of purposes.
  • Low starting APRs.
  • Simple terms of 3 years or 5 years.
  • Loans capped at $40,000.
  • Offers only 2 fixed term lengths.
  • Longer turnaround time than SoFi
Loan Amount$2,000 to $40,000
APR7.95% to 35.99%
Interest Rate TypeFixed
Min. Credit Score640
Turnaround TimeUp to five business days
Maximum Loan Term5 years
Minimum Loan Term3 years

2. LendingClub

LendingClub personal loans

3.6 / 5

Apply for an unsecured personal loan of up to $40,000 with LendingClub.

  • Not available in: Idaho, Iowa
  • Smaller amounts available
  • No prepayment penalties.
  • Fixed rates.
  • Fast and simple application.
  • Higher rates for poor credit borrowers.
  • Unavailable to Iowa and West Virginia residents.
  • As little as 4 days to get your funds.
Loan Amount$1,000 to $40,000
APR6.34% to 35.89%
Interest Rate TypeFixed
Min. Credit Score600
Turnaround Time2 business days
Maximum Loan Term5 years
Minimum Loan Term3 years

3. Upstart

Upstart personal loans

4.15 / 5

This newer online lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans.

  • Not available in: West Virginia
  • Better for younger borrowers with limited credit history.
  • Offers a variety of loans with one simple application.
  • Pay no fees for early repayment.
  • 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.
Loan Amount$1,000 to $50,000
APR5.4% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreNone
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term3 years

4. NetCredit

NetCredit personal loans

2.7 / 5

NetCredit offers unsecured personal loans up $10,500 that could help you rebuild your credit, even if you have a low credit score.

  • Not available in: Colorado, Connecticut, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia
  • Quick turnaround time with flexible repayments.
  • Fair credit OK.
  • No early repayment fees.
  • Low maximum loan amount.
  • Loans available in 14 states only.
  • Stiff late fees could apply.
Loan Amount$1,000 to $10,500
APR19.9% to 155%
Interest Rate TypeFixed
Min. Credit ScoreNo minimum
Turnaround Time1 to 3 business days
Maximum Loan Term5 years
Minimum Loan Term0.5 years

5. OneMain Financial

OneMain Financial personal loans

3.4 / 5

In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes.

  • Not available in: Alaska, Arkansas, California, Connecticut, Massachusetts, Michigan, Rhode Island, Vermont
  • Offers both secured and unsecured loans.
  • Allows joint applications.
  • Considers poor credit applicants.
  • Higher APRs than competing lenders.
  • Origination fees vary by state.
  • Low maximum loan amount.
Loan Amount$1,500 to $20,000
APR18% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreVaries
Turnaround TimeAs soon as the same day
Maximum Loan Term5 years
Minimum Loan Term2 years

6. Avant

Avant personal loans

3.45 / 5

Avant offers personal loans with funds deposited into your account as soon as the business day after approval. Learn about similar online lenders.

  • Not available in: Colorado, Iowa, Vermont, West Virginia
  • Quick approval and funding.
  • Pay no fee for early repayment.
  • Reports to the three major credit bureaus to help build your credit.
  • Maximum loan amount varies by state.
  • May not be available in all states.
  • Potentially high origination fees if approved.
Loan Amount$2,000 to $35,000
APR9.95% to 35.99%
Interest Rate TypeFixed
Min. Credit Score600
Turnaround TimeAs soon as the next business day
Maximum Loan Term5 years
Minimum Loan Term2 years

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

More guides on Finder

  • SoFi personal loan review 2022

    SoFi offers personal loans at competitive rates with no fees. Learn what you need to qualify and how to apply with this top online lender.

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