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Find loans similar to this newer online peer-to-peer platform.


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Editor's choice: Upstart personal loans

Upstart personal loans logo
  • Work and education get you better rates
  • Funding as soon as the next business day
  • Accepts fair credit
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Your credit score isn’t the only thing that counts when you apply for an Upstart loan. This peer-to-peer lender also considers factors like your education and career path. This makes it great for borrowers with only a few years of paying off student loans under their belt and applying is quick and easy.

It offers loans from $1,000 to $50,000 at terms of 3 years to 5 years. It’s not always cheap, however. APRs range from 7.98% to 35.99%, including an origination fee as high as 8%. However, if you aren’t sure about borrowing from Upstart, you may want to consider other lenders for a personal loan.


  • Good for younger borrowers with limited credit history.
  • Offers a variety of loans with one simple application.
  • Pay no fees for early repayment.
  • Considers education in addition to credit score.


  • 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.

Looking for a more established online lender?

Alternative sites like Upstart

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Prosper logo

1. Prosper

Another 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.
  • Lower starting APRs at 7.95% to 35.99%.
  • Simple terms of 3 years or 5 years.


  • Loans capped at $40,000.
  • Requires a minimum credit score of 640.
  • Higher maximum APR than Upstart.
Get your rate

lendingclub logo

2. LendingClub

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


  • No prepayment penalties.
  • Fixed rates.
  • Origination fee of 1% to 6%.


  • Higher rates for poor credit borrowers.
  • Unavailable to Iowa and West Virginia residents.
  • Lower maximum loan amount.
Get your rate

sofi logo

3. SoFi

If you have a good to excellent credit score, 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.


  • Strict eligibility requirements.
  • Lower approval rate than other lenders.
Get your rate

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.


  • Quick turnaround time with flexible repayments.
  • Fair credit is OK.
  • Loans up to $10,500.


  • Low maximum loan amount.
  • Loans available in 14 states only.
  • Stiff late fees could apply.
Get your rate

OneMain Financial logo

5. OneMain Financial

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.
  • Borrowers with bad credit are eligible.


  • Higher APRs than competing lenders.
  • Origination fees vary by state.
  • Low maximum loan amount.

Avant personal loan logo

6. Avant

With Avant, you may be able to have a personal loan deposited into your account as soon as the business day after your laon is approved.


  • Quick approval and funding.
  • 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.
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See how other top providers compare to different lenders by checking out A-to-Z directory.

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