Personal Loan Lenders List

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List of All Personal Loan Lenders

Whether you need money for unexpected expenses, debt consolidation, or a major purchase, a personal loan can be a helpful tool to manage your finances. However, with so many lenders and loan options available, finding the right fit can be overwhelming. That’s why we’ve created a comprehensive list of the best personal loan lenders in the market. From large banks to online lenders, we’ve gathered all the information you need to make an informed decision. Keep reading to find the perfect personal loan lender for your financial goals.

The lenders

1. Avant: Avant is one of the leading personal loan lenders in the US and offers unsecured, fixed-rate loans from $2,000 up to $35,000 with repayment terms from 24 to 60 months. They offer a free online application and fast funding. Avant’s unique feature is its Pre-Qualification Check process which allows potential borrowers to receive loan offers without impacting their credit score. According to their website, Avant’s average loan APR is around 12.75% -35.99%. Avant personal loans are best for borrowers looking for a loan with flexible repayment options.
Link to website: https://www.avant.com/

2. Upstart: Upstart provides unsecured personal loans of up to $50,000, which can be used for almost anything. They also offer a ‘Boost’ program which lets borrowers earn higher loan limits and lower interest rates based on their education and career path. According to their website, Upstart’s rates range from 6.18% – 35.99% APR with repayment terms from 3 to 5 years. Upstart personal loans are best for borrowers with good credit who want flexibility and low APRs.
Link to website: https://www.upstart.com/

3. Prosper: Prosper is an online lender that offers personal loans up to $40,000. They offer fixed-rate loans with repayment terms between 3 and 5 years, and their average APR is around 7.99% – 36.00%. They also have a referral program that helps borrowers to save money on their loans. Prosper personal loans are best for people with good to excellent credit who want low-interest loans.
Link to website: https://www.prosper.com/

4. SoFi: SoFi is a mobile-first lender offering personal loans up to $100,000 with repayment terms from 2 to 7 years. SoFi personal loans are best for borrowers looking for low rates with long repayment terms. They offer low APRs and no origination fees or prepayment penalties. SoFi provides access to career coaching and financial resources such as a wealth advisor and student loan refinancing.
Link to website: https://www.sofi.com/

5. LendingClub: LendingClub is one of the largest online lenders with loans up to $40,000. They offer competitive rates and a wide range of loan terms. They also provide a rewards program that offers cash back when you refer someone to the platform. According to their website, the average APR on a 36-month loan is 8.05% – 35.89%. LendingClub personal loans are best for borrowers with good credit who want competitive rates and a rewards program.
Link to website: https://www.lendingclub.com/

6. Lightstream: Lightstream is a division of SunTrust Bank and offers personal loans of up to $100,000. They have an easy online application process and fast funding. Lightstream also offers a 0.50% rate discount for borrowers who have an automatic payment set up. Their average APR is 4.99%-17.49%, with 24 to 144 months repayment terms. Lightstream personal loans are best for borrowers looking for more significant loan amounts with longer repayment terms.
Link to website: https://www.lightstream.com/

7. Marcus by Goldman Sachs: Marcus by Goldman Sachs is an online lender offering unsecured personal loans up to $40,000 with repayment terms from 36 to 84 months. They offer competitive rates and no fees. According to their website, their average APR is 6.99%. Marcus by Goldman Sachs personal loans are best for those with good to excellent credit looking for low-interest loans.
Link to website: https://www.marcus.com/

8. Earnest: Earnest is an online lender offering personal loans up to $50,000 with no hidden fees. Their average APR is 6.99% – 20.99%, with repayment terms from 2 to 7 years. They also offer a borrower rewards program, which provides special discounts and rewards points. Earnest personal loans are best for borrowers looking for competitive rates with no fees.
Link to website: https://www.earnest.com/

9. Citizens Bank: Citizens Bank is a brick-and-mortar bank offering personal loans up to $50,000 with no origination fees or prepayment penalties. Rates start at 4.99%, and repayment terms are 36 to 84 months. Citizens Bank personal loans are best for borrowers looking for a traditional loan from a bank with competitive rates.
Link to website: https://www.citizensbank.com/

10. Wells Fargo: Wells Fargo is a national bank that offers personal loans of up to $100,000 with repayment terms from 12 to 60 months. They also provide a 0.25% rate discount for each additional loan you take out with them. According to their website, their average APR is 8.99%. Wells Fargo personal loans are best for borrowers looking for a traditional loan from a bank with competitive rates.
Link to website: https://www.wellsfargo.com/

11. TD Bank: TD Bank is a brick-and-mortar bank offering personal loans of up to $50,000 with no fees or prepayment penalties. Their average APR is 6.99%, with 24 to 60 months repayment terms, and borrowers must have at least a minimum credit score of 680 to qualify. TD Bank personal loans are best for borrowers looking for a traditional loan from a bank with competitive rates.
Link to website: https://www.td.com/

12. PenFed Credit Union: PenFed Credit Union offers personal loans up to $25,000 with no origination fees. They have some of the lowest rates on the market and repayment terms from 12 to 48 months. PenFed Credit Union personal loans are best for borrowers with good credit who want flexible repayment options and low rates.
Link to website: https://www.penfed.org/

13. Discover: Discover is a lender offering personal loans up to $35,000 with 36 to 60 months repayment terms. They have competitive rates and no fees. According to their website, their average APR is 6.99%. Discover personal loans are best for borrowers with good credit who want flexibility and low rates.
Link to website: https://www.discover.com/

14. FreedomPlus: FreedomPlus is an online lender offering personal loans of up to $40,000 with 24 to 60 months repayment terms. They offer competitive rates and no hidden fees. According to their website, their average APR is 8.99%. FreedomPlus personal loans are best for borrowers looking for a larger loan amount with flexible repayment options.
Link to website: https://www.freedomplus.com/

15. Payoff: Payoff is an online lender offering personal loans of up to $40,000 for debt consolidation and other expenses. They offer competitive rates, no fees, and a rewards program that provides cash back and other discounts. Their website shows their average APR is 5.99% – 24.99%. Payoff personal loans are best for borrowers with good credit who want low-interest loans and rewards.
Link to website: https://payoff.com/

16. Best Egg: Best Egg is an online lender offering personal loans of up to $35,000 with 3 to 5 years repayment terms. They offer competitive rates and no hidden fees. Their website shows their average APR is 5.99% – 29.99%. Best Egg personal loans are best for borrowers with good credit who want competitive rates and flexible repayment options.
Link to website: https://www.mybestegg.com/

17. SunTrust: SunTrust is a brick-and-mortar bank offering personal loans up to $50,000 with competitive rates. They offer no origination fees and repayment terms from 24 to 60 months. SunTrust personal loans are best for borrowers looking for a traditional loan from a bank with competitive rates.
Link to website: https://www.suntrust.com/

18. USAA: USAA is a credit union offering personal loans of up to $30,000 with competitive rates and no fees. They also have a rewards program that provides cash back for every dollar spent on a USAA loan. USAA personal loans are best for borrowers looking for flexible loans with competitive rates and rewards.
Link to website: https://www.usaa.com/

19. PNC Bank: PNC Bank is a brick-and-mortar bank offering personal loans up to $50,000 with competitive rates and no origination fees. They offer repayment terms from 12 to 84 months. PNC Bank personal loans are best for borrowers looking for a traditional loan from a bank with competitive rates.
Link to website: https://www.pnc.com/

20. Navy Federal Credit Union: Navy Federal Credit Union offers personal loans up to $50,000 with competitive rates and a rewards program for members. Repayment terms range from 12 to 48 months. Navy Federal Credit Union personal loans are best for borrowers with good credit who want competitive rates and rewards.
Link to website: https://www.navyfederal.org/

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