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 origination, closing, prepayment, or late fees.
- Allows coapplicants.
- Networking and community events.
- Strict eligibility requirements.
- Lower approval rate than other lenders.
- Not available in Mississippi or Nevada
Looking for other lenders that offer low starting APR’s?
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.
- Offers loans for a variety of purposes.
- Low starting APRs.
- Simple terms of 3 year(s) or 5 year(s).
- Loans capped at $40,000.
- Offers only 2 fixed term lengths.
- Longer turnaround time than SoFi
Apply for an unsecured personal loan of up to $40,000 with LendingClub.
- 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.
- Up to 7 days to get your funds.
This newer online lender considers things like your education and career path when considering you for its unsecured, fixed-rate loans.
- 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.
NetCredit offers unsecured personal loans up $10,000 that could help you rebuild your credit, even if you have a low credit score.
- 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.
In business for over a century, OneMain Financial provides secured and unsecured loans for a variety of purposes.
- 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.
Avant offers personal loans with funds deposited into your account as soon as the business day after approval. Learn about similar online lenders.
- 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.
SoFi Personal Loan Offer
SoFi offer you the chance to borrow up to $100,000 with the choice between a fixed or variable interest rate.
- Recommended Credit Range: Good to excellent
- Min. Loan Amount: $5,000
- Max. Loan Amount: $100,000
- Loan Term: 3–7 years
- Unemployment protection
- Confidential and secure online application