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LendingPoint

Details *

13.99-34.99% APR

Min. Credit Score Needed:

600

$390*/mo *

(3 year loan*)

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Key Facts

  • Accepts poor credit
  • Origination fee: 5% of loan amount, can be paid upfront or spread over monthly payments
  • Late fee: $30
  • Personal-check processing fee: None
  • Minimum credit score required: 600
  • Minimum gross income required: $20,000
  • Minimum credit history: None, but generally several years
  • Maximum debt-to-income ratio: 45%

Disclaimer

Loans may be funded by FinWise Bank, a Utah-chartered bank, member FDIC. Actual loan offers and loan amounts, terms, and annual percentage rates (”APR”) may vary based upon our proprientary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. APRs may include origination fees of 0%-6%. Upon final underwriting approval to fund a loan, funds are often sent via ACH the next business day.
Discover Personal Loans

Details *

6.99-24.99%* APR

Min. Credit Score Needed:

660

N/A/mo *

(3-7 year loan)

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Key Facts

  • APR based on creditworthiness at application
  • Loans up to $35,000
  • Origination fee: None
  • Fast & Easy Process
  • No prepayment penalty
  • Minimum credit score required: 660
  • Minimum gross income required: Not provided
  • Minimum credit history: Not Provided, but typically 10 years or more.

Disclaimer

This is not a firm offer of credit. Any results displayed are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. Your APR will be between 6.99% and 24.99% based upon credit-worthiness at time of application.
Marcus

Details *

6.99%-23.99% APR

Min. Credit Score Needed:

580

$339/mo *

(3 year loan*)

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Key Facts

  • Good for debt consolidation
  • Available in all US states and Territories, except Maryland
  • No origination fee, late fee, prepayment fee or other fees
  • Minimum credit score required: 580 VantageScore® 3.0 and 660 FICO® score 8.0
  • Minimum income required: Not provided
  • Minimum credit history: 3 years
  • Maximum debt-to-income ratio: Not provided, but typically less than 20%

Disclaimer

Disclaimer: Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36-month loans are generally lower than rates for 72-month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.
Upstart

Details *

7.37%-29.99% APR

Min. Credit Score Needed:

640

$349/mo *

(3 year loan*)

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Key Facts

  • Good for those with little credit history
  • Origination fee: 1% to 6% of loan amount, depending on borrower’s grade
  • Late fees: Greater of 5% of payment amount or $15
  • Personal-check processing fees: None
  • Minimum credit score required: 620
  • Minimum gross income required: None
  • Minimum credit history: None
  • Maximum debt-to-income ratio: None, but generally 15% to 16%

Disclaimer

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. The minimum loan amount is $3,000 for borrowers in Georgia, $6,000 for borrowers in Ohio and $7,000 for borrowers in Massachusetts. The average 3-year loan on Upstart (as of June 2017) will have an APR of 18% and 36 monthly payments of $27 per $1,000 borrowed. The average APR on Upstart is calculated based on 3-year rates offered in the last 1 month. All loans are made by Cross River Bank, an FDIC-insured New Jersey state chartered commercial bank.
Payoff

Details *

8%-25% APR

Min. Credit Score Needed:

660

$367/mo *

(3 year loan*)

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Key Facts

  • Loans can be used only to pay off credit card debt
  • Origination fee: 2% to 5% of loan amount, depending on length of loan
  • Late fees: None
  • Personal check processing fees: None
  • Other fees: None
  • Minimum credit score required: 660
  • Minimum gross income required: None
  • Minimum credit history: 3 years
  • Maximum debt-to-income ratio: 50% or less

Disclaimer

You’ll be able to check your rate online without affecting your credit score. To check your rate, you’ll need to provide your name, date of birth, address, phone number, housing information (rent vs. own, monthly payment) and annual income. After entering this information, Payoff will conduct a soft credit inquiry and you’ll be able to see your outstanding credit card balances. Based on this information, Payoff may suggest a loan amount and term. If and when you are presented with a loan offer, you can choose to accept the loan. At this point, Payoff may need you to verify some of the information you provided, and the lender will conduct a hard credit check as part of the approval process (a hard credit check can affect your credit score). Once the verification process is complete, Payoff will transfer funds to your bank account within two to five days.
Upgrade

Details *

5.66%-35.97% APR

Min. Credit Score Needed:

620

$376*/mo *

(3 year loan)

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Key Facts

  • Successful borrowers’ average credit score is 675
  • Origination fee: 1% to 5% of loan amount
  • Late fee: $10 after 15-day grace period
  • Minimum credit score required: 620
  • Minimum free cash flow: $1,000 a month. No minimum income requirement
  • Minimum credit history: 3 years
  • Maximum debt-to-income ratio: 40% (excluding mortgage)

Disclaimer

Loans made through Upgrade feature APRs of 5.66% to 35.97%. All loans have a 1% to 5% origination fee, which is deducted from the loan proceeds. For example, a $10,000 loan with a 36-month term and an 18.66% APR (which includes a 5% origination fee) has a required monthly payment of $346.60. The APR on your loan may be higher or lower. Actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed-rate loan. Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days. All loans made by WebBank, member FDIC.
NetCredit

Details *

35-155%* APR

Min. Credit Score Needed:

500

(6 months - 5 year loan*)

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Key Facts

  • Accepts poor credit
  • Fast & Easy Process
  • APR based on creditworthiness at application
  • Minimum credit score required: 500
  • Minimum gross income required: Not provided

Disclaimer

NetCredit is an industry-leading online financial services provider. Depending on your state, personal loans from $1,000 – $10,000 may be offered by NetCredit or by our partner lender, Republic Bank & Trust Company, Member FDIC. Visit the Rates & Terms page on our website for details. You can check your eligibility without affecting your credit score. If eligible, you may select the loan terms that are right for you. Once approved, you will typically receive your funds by the next business day. We do not charge any application, origination or pre-payment fees. We also report payment activity, so on-time payments of your loan may help you build positive credit history.
Lending Club

Details *

5.99-35.89% APR

Min. Credit Score Needed:

600

$390*/mo *

(3 year loan)

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Key Facts

  • Suitable for those with good credit profiles
  • Origination fee: 1% to 6% of loan amount, depending on borrower’s grade
  • Late fee: The greater of 5% of the unpaid amount, or $15
  • Personal-check processing fee: $7
  • Other fees: $15 unsuccessful payment fee
  • Minimum credit score required: 600
  • Minimum gross income required: Not provided, but generally high income
  • Minimum credit history: Not provided, but generally several years
  • Maximum debt-to-income ratio: Not provided, but generally low ratio

Disclaimer

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 5.99% to 35.89%. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.49% as of Q1 2017. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months or longer.
RocketLoans

Details *

25-29%* APR

Min. Credit Score Needed:

$408*

$408/mo*/mo *

(3 year loan*)

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Key Facts

  • No prepayment fee
  • Origination fee: 1 - 6% of loan amount
  • Pay by check fee: $5
  • Late fee: $15 after 10 day grace period
  • Unsuccessful payment fee: $15
  • Other fees: None
  • Minimum credit score required: 640
  • Minimum gross income required: $24,000
  • Minimum credit history: Not provided, but generally several years
  • Maximum debt-to-income ratio: Not provided, but generally low ratio

Disclaimer

All fees and rate information will be disclosed to consumers by their lender at the time of approval. Upon conclusion of the search and application approval, you will be redirected to an e-signature page provided to you by the lender to which you were matched. This document will contain all fees and rate information pertaining to the loan being offered by a lender from the RocketLoansReviews.com network. Consumers are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Consumers are under no obligation to accept these terms. This service is not available in all states.
Avant

Details *

25.05-28.98%* APR

Min. Credit Score Needed:

$408*

$408/mo *

(3 year loan*)

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Key Facts

  • No prepayment fee
  • Origination fee: 4.75% of loan amount
  • No fee for paying by check
  • Late fee: Varies by state
  • Unsuccessful payment fee: $15
  • Other fees: None
  • Minimum credit score required: 580 VantageScore® 3.0 and 660 FICO® score 8.0
  • Minimum credit history: Not provided
  • Maximum debt-to-income ratio: Not provided

Disclaimer

Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33. The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. All unsecured installment loans issued through Avant are made by WebBank, member FDIC.
OneMain

Details *

25-36%* APR

Min. Credit Score Needed:

600

$427*/mo *

(3 year loan*)

Show offer

Key Facts

  • Accepts poor credit
  • Application requires a hard credit check
  • In-person visit required to complete application process
  • Origination fee: Varies by state
  • Minimum credit score required: 500 - 650
  • Minimum gross income required: None
  • Minimum credit history: None
  • Maximum debt-to-income ratio: Not provided, but generally low ratio

Disclaimer

Secure website means that OneMain uses Secure Sockets Layer (SSL) so the information sent between your browser and their website is encrypted for protection. All loans subject to OneMain’s normal credit policies. Loan approval and actual loan terms depend on your ability to meet OneMain’s standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amounts are also subject to state specific minimum and maximum size restrictions. California minimum loan amount is $3,000. Georgia minimum loan amount is $1,500 for present customers and $3,100 for others. Collateral offered must meet our criteria. APRs are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.
Best Egg

Details *

5.99-29.99% APR

Min. Credit Score Needed:

640

$331/mo *

(3 year loan*)

Show offer

Key Facts

  • Very fast funding available, often within a day
  • Ideal for those with good credit score and several years of credit history
  • Origination fee: 0.99% - 5.99%
  • Late fee: $15
  • Personal check processing fee: None
  • Minimum credit score: 640, but typically higher.
  • Minimum gross income: Not provided, but typically high.
  • Minimum credit history: Not provided, but typically 10 years or more.
  • Maximum debt-to-income ratio: Not provided, but typically less than 20%

Disclaimer

Best Egg loans are unsecured personal loans through Cross River Bank, a NJ chartered bank, member FDIC. Equal Housing Lender. 'Best Egg' is a trademark of Marlette Funding LLC. Loan amounts generally range from $2,000-$35,000. Offers up to $40,000 may be available for qualified customers who receive offer codes in the mail. The minimum individual annual income needed to qualify for a loan of $40,000 is $130,000. All loans in MA must exceed $6,000; in OH must exceed $5,000; in GA must exceed $3,000. The Annual Percentage Rate (APR) is the cost of credit as a yearly rate and ranges from 5.99%-29.99%, which may include an origination fee from 0.99%-5.99%. Any origination fee on a 5-year loan will be at least 4.99% and is deducted from loan proceeds. Barring any unforeseen circumstances, such as borrower default or payment extensions/modifications, 3-year payment plans may have a minimum repayment period of zero months and a maximum of 36 months and 5-year payment plans may have a minimum repayment period of zero months and a maximum of 60 months. Borrowers should refer to their loan agreement for specific terms and conditions. A loan example: a 5-year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3-year $5,000 loan with 5.99% APR has 36 scheduled monthly payments of $150.57. The APR offered will depend on your credit score, application information, loan amount and term, and credit usage history. Requests for the highest loan amount may result in an APR higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest rate. Your verifiable income must support your ability to repay your loan. Upon loan funding, the timing of available funds may vary depending upon your bank's policies.

Could you use a personal loan?

Sometimes you just need some extra money. Maybe your credit card interest rates are through the roof, you need to make a major purchase or something unexpected happens. That’s when a personal loan can really help. Use your loan to consolidate debts, cover medical bills, or make some home improvements, or even improve your credit.

Whatever your reasons, if you need some more money right now – from $1,000 up to $35,000 – Squeeze can help steer you in the right direction. Improve Your Credit!

A personal loan can help you build or improve your credit by adding another line of credit to your credit report. Your lender will report your monthly payments to the three credit bureaus—Equifax, Experian and TransUnion. To improve your credit, make sure you make all of your payments on time and never miss a payment. With consistent, on-time payments, you’ll start to see your credit score improve over time.

What is a Personal Loan?

A personal loan, also called a signature loan, is an unsecured loan, which means you can borrow money with no collateral based on your credit. From consolidating debt to financing a purchase to improving your credit, people choose personal loans because interest rates are usually lower than credit cards, which can save you thousands of dollars.