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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.
Citizens Bank
These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.
APR
7.49–22.44%
Citizens Personal Loans offer a flexible borrowing range with competitive rates and no origination fees. However, borrowers should weigh the potential downsides before applying.
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.
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.
FourLeaf Federal Credit Union
This HELOC is best for borrowers seeking a no-closing-cost option and who prefer interest-only payments during the draw period.
APR
5.99–7.5%
The Bethpage Federal Credit Union HELOC offers competitive rates and flexibility, making it a viable option for homeowners looking to tap into their equity.
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.
Bank of America
Car buyers with good credit looking for flexible loan amounts between $7,500 and $100,000.
APR
5.49–17.99%
Bank of America's auto loans feature a wide range of amounts and terms, suitable option for many borrowers. However, the APR can be quite high for those with less-than-perfect credit.
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.
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.
College Ave
This loan is ideal for undergraduate and graduate students, as well as parents seeking to cover educational costs with manageable repayment options.
APR
2.09–17.99%
College Ave offers a flexible and competitive solution for financing education, but potential borrowers should be cautious about the variable rates.
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.
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.
DCU (Digital Federal Credit Union)
This loan is best for DCU members seeking a straightforward auto loan with no application fees.
APR
5.24–18.0%
DCU Auto Loan provides competitive rates and flexible terms for borrowers looking to finance a vehicle.
Marcus by Goldman Sachs
Borrowers with good credit who want a truly fee-free debt consolidation loan
APR
6.99–24.99%
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.
Prosper
Individuals with fair credit scores (600+) needing a personal loan for significant expenses.
APR
8.99–35.99%
Prosper provides a online application and quick funding, but its APR range of 8.99% to 35.99% can be high for many borrowers. It's those with fair credit looking for manageable loan terms.
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.
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.
Rocket Mortgage
This service is best for tech-savvy individuals who prefer managing their mortgage application online, as well as those looking for FHA, VA, or conventional loans.
APR
6.875–7.148%
Rocket Mortgage offers a streamlined online application process and quick approvals, making it a convenient choice for homebuyers and those looking to refinance.
LightStream (Truist)
This service is best for borrowers with good credit looking for no-fee, low-interest auto loans ranging from $5,000 to $100,000.
APR
6.49–25.39%
LightStream offers competitive auto loans with flexible borrowing amounts and low fixed rates, making it a strong contender for financing your vehicle.
LendingClub
Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
APR
5.96–35.99%
This loan is a quick solution for those needing to consolidate debt and pay off credit cards efficiently.
