Your financial education guide
Understand before you borrow. Compare real rates, learn the terms, take your next step.
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Flexible terms for your needs
Payroll-deducted, best rates
Finance your car or motorcycle
Ally Financial
Best for individuals seeking financing for new or used vehicles with flexible loan terms from 12 to 84 months.
APR
5.99–22.99%
Ally Auto Finance offers a broad range of loan amounts and competitive APRs, making it a solid choice for many borrowers.
This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
APR
7.74–35.49%
SoFi offers a approach to debt consolidation with and flexible terms.
Oportun
Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit
APR
35.95–35.99%
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.
LightStream
This loan is best for borrowers who need larger amounts ($5,000 to $100,000) and prefer long repayment terms of up to 20 years.
APR
6.49–24.89%
LightStream offers competitive personal loan rates with flexible amounts and terms, making it a strong choice for those with excellent credit.
This service is best for individuals with good credit seeking to consolidate their student loans without additional fees and with added member benefits.
APR
4.24–10.37%
SoFi offers competitive refinancing rates and flexible loan terms, making it a strong choice for borrowers looking to manage their student debt effectively.
Spring EQ
This option is best for borrowers who want to access up to 95% of their home value quickly and easily through a digital process.
APR
8.5–11.5%
Spring EQ offers competitive home equity loans and HELOCs with flexible borrowing options, making it a solid choice for homeowners looking to leverage their equity.
BlueVine
Best for small businesses with at least two years of operation and strong revenue.
APR
6.2%
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.
Navy Federal Credit Union
This loan is best for military personnel and their families who are looking for low-interest rates on vehicle financing.
APR
3.89–18.24%
Navy Federal's auto loan rates are among the lowest available, making it a strong choice for eligible borrowers.
Discover
These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.
APR
7.99–24.99%
Discover Personal Loans offer competitive rates and no fees, making them a solid choice for those in need of funding.
This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
APR
6.25–35.99%
Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.
CommonBond
Borrowers who want competitive rates and care about social impact
APR
4.44–8.99%
CommonBond combines competitive refinance rates with a social mission — each loan funds education for a student in need. Rates start at 4.44% for well-qualified borrowers.
Better Mortgage
This service is ideal for homeowners looking to refinance without origination fees and with a quick online process.
APR
5.5–7.5%
Better Mortgage offers a streamlined refinancing process with competitive features. However, potential borrowers should verify terms carefully.
OnDeck
Best for established businesses needing quick cash with good revenue.
APR
29.9%
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.
Capital One
Individuals with a good credit score looking for flexible auto financing options.
APR
4.91–14.99%
Capital One Auto Finance offers a user-friendly pre-qualification process that won't affect your credit score, making it prospective car buyers. However, be aware that their APR can reach up to 14.99%, which may be high for some.
Wells Fargo
Existing Wells Fargo customers with good credit and large debt consolidation needs ($25K+)
APR
5.74–19.99%
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.
PenFed Credit Union
Military members and veterans seeking some of the lowest personal loan APRs available, though open to all Americans.
APR
6.09%
Exceptional APRs from a military-rooted credit union — open to everyone but especially compelling for veterans.
Sallie Mae
These loans are ideal for undergraduate, graduate, and career training students looking for varied repayment options.
APR
2.99–16.38%
Sallie Mae offers a flexible range of private student loans with competitive rates, making it a solid choice for many borrowers.
This product is ideal for homeowners looking for quick access to funds for home improvements, debt consolidation, or other major expenses.
APR
6.75–15.0%
Figure's HELOC offers a fast, online application process with competitive rates, but potential borrowers should consider the implications of variable rates.
American Express
This product is best for small businesses looking for immediate access to funds without extensive paperwork. It's particularly suitable for those with a revenue-based qualification process.
APR
—
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.
AUTOPAY
This service is best for borrowers with a minimum credit score of 580 who are looking to refinance their auto loans and save money.
APR
4.67–21.99%
Autopay offers competitive auto refinancing options with a quick application process, making it a viable choice for those looking to save on monthly payments.
