Compare, learn, decide

OnDeck's fast quick approval is a major advantage for urgent funding needs, but the high minimum APR of 29.9% can make this loan costly for long-term borrowing.

The most accessible entry point for immigrants without an SSN or credit history. Oportun accepts ITIN and passport identification with no minimum credit score requirement. The trade-off is a high APR (35.95-35.99%) and smaller loan amounts.

With rates as low as 3.99%, myAutoloan offers for borrowers looking to compare multiple lenders quickly. However, be aware of the maximum APR of 24.99%, which can be steep for those with lower credit scores.

Wells Fargo offers some of the highest loan amounts ($100K) and lowest APRs (5.74%) for debt consolidation — but the best rates are reserved for existing customers with strong credit.

Better Mortgage offers a streamlined refinancing process with competitive features. However, potential borrowers should verify terms carefully.

LendingClub provides a flexible personal loan option with quick funding, but the high APR range may deter those with poorer credit. Be mindful of the potential for high rates if your credit score is on the lower end.

Citizens Bank is one of the few top-20 banks offering competitive student loan refinancing. Loyalty discount (0.25%) for existing customers and one of the highest max amounts ($500K).

BlueVine’s Business Line of Credit is ideal for established businesses needing quick access to funds, but the $120,000 annual revenue requirement may exclude newer ventures.

PenFed Auto Loans provide competitive rates and flexible terms, making them a solid choice for many borrowers.

Marcus stands out for its true no-fee structure — no origination fee, no prepayment penalty, no late fees on first missed payment. Backed by Goldman Sachs.

The Bethpage Federal Credit Union HELOC offers competitive rates and flexibility, making it a viable option for homeowners looking to tap into their equity.

Wells Fargo provides competitive loan amounts and fast funding, making it existing customers. However, the minimum credit score requirement of 660 may exclude many potential borrowers.

Laurel Road (a KeyBank subsidiary) specializes in refinancing for healthcare professionals — doctors, dentists, nurses. Competitive rates and parent PLUS loan refinancing available.

Kabbage offers a quick and flexible line of credit for small businesses, with fast funding options. However, borrowers should be aware of the potential costs associated with the monthly fee model.

CarMax Auto Finance offers flexible financing options for used vehicles, but be prepared for potentially high APR rates.

Discover Personal Loans offer competitive rates and no fees, making them a solid choice for those in need of funding.

Rocket Mortgage offers a streamlined online application process and quick approvals, making it a convenient choice for homebuyers and those looking to refinance.

Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.

Earnest offers flexible student loan refinancing options without fees, making it a solid choice for borrowers seeking control over their repayment terms.

USAA Auto Loan provides solid financing options tailored for military families, but borrowers should be prepared for varying APRs.