LightStream

  • 2025 NerdWallet award winner
  • Est. APR: 6.99 - 25.14%
  • Loan amount: $5K - $100K
  • Min. credit score - 660
  • Loan term: 2 to 7 years
  • LightStream is a solid option for good- and excellent-credit borrowers, with no fees and a promise to beat competitors’ rates.
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Upgrade

  • 2025 NerdWallet award winner
  • Est. APR: 7.99 - 35.99%
  • Loan amount: $1K - $50K
  • Min. credit score - 600
  • Loan term: 2 to 7 years
  • Upgrade accepts lower credit scores than similar lenders, and it offers multiple rate discounts for its personal loans.
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Upstart

  • Est. APR: 6.70 - 35.99%
  • Loan amount: $1K - $75K
  • Min. credit score - None
  • Loan term: 3 to 5 years
  • Upstart personal loans offer fast funding and may be an option for borrowers with low credit scores or thin credit histories. Upstart is a solid financing choice for large purchases.
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Best Egg

  • Est. APR: 6.99 - 35.99%
  • Loan amount: $2K - $50K
  • Min. credit score - 600
  • Loan term: 3 to 5 years
  • Best Egg offers personal loans for borrowers who want to consolidate debt and need cash fast.
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LendingClub

  • 2025 NerdWallet award winner
  • Est. APR: 7.90 - 35.99%
  • Loan amount: $1K - $50K
  • Min. credit score - 600
  • Loan term: 2 to 6 years
  • LendingClub personal loans are a solid option for good-credit borrowers looking to consolidate debt and build their credit.
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Avant

  • Est. APR: 9.95 - 35.99%
  • Loan amount: $2K - $35K
  • Min. credit score - 550
  • Loan term: 2 to 5 years
  • Avant personal loans are a solid option for fair- and bad-credit borrowers who need fast funding, but their rates and origination fees can be high
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