Personal Loan Partner Disclosures

See rate disclosures and lender details from our marketing partners below or view the full product experience on our site. Disclosures are valid as of 12/19/2024 and may change without advance notice.

Achieve Personal Loans

Avant

Customers who have a financial product through Avant are not eligible for this offer. Avant branded credit products are issued by WebBank. Your loan terms are not guaranteed and are subject to verification of identity and credit information. Loan amounts range from $2,000 to $35,000. APR ranges from 9.96% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state. Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest. Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. See New Mexico consumer brochure for common terms and definitions and regulations around rates and fees at https://www.avant.com/nm_important_consumer_information.pdf.

BHG Money

Personal loans not currently available in North Dakota and Montana. The APR and other loan terms presented are estimates only and not guaranteed. Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant’s credit profile. Finance amount may vary depending on the applicant’s state of residence. Advertised rates are subject to change without notice. Personal Loan Repayment Example: A $59,755 personal loan with a 7-year term and an APR of 17.2% would require 84 monthly payments of $1,228. There is no impact on your credit for applying. A complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of a loan. Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders. For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license – Number 603G493.

Best Egg

Unsecured Loans

Trustpilot TrustScore as of December 2022. By continuing, you agree that your application information will be shared with Credit Karma. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Best Egg Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, N.A. and/or First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.49%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be 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 APR. For 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 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

Best Egg

Secured Loans

Trustpilot TrustScore as of December 2022. By continuing, you agree that your application information will be shared with Credit Karma. Best Egg loans are unsecured or secured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Best Egg Technologies, LLC, a subsidiary of Best Egg, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan” and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Additional conditions apply to be approved for the Best Egg Vehicle Equity Loan. Vehicle equity loans require a first lien on a motor vehicle that meets the Best Egg value and title requirements, with valid insurance. We currently only offer individual loans, but the individual may have a co-owner on the vehicle as long as the co-owner provides their consent. Your loan agreement will contain specific terms and conditions. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $100,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 10.99%–29.91%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. For 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 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. The Best Egg Vehicle Equity Loan is currently not available if you live in Alaska, Connecticut, Hawaii, Iowa, Massachusetts, New Hampshire, Rhode Island, Vermont, West Virginia, Wyoming, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL – Operations Manager, Email: ccrt-resolution@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the Division by telephone at (505) 476-4885 or visit the website: www.rld.nm.gov/financial-institutions/.

Citi® Personal Loan

Terms, conditions, and fees for accounts, products, programs and services are subject to change at any time.
You must be at least 18 years of age (21 years of age in Puerto Rico). Co-applicants are not permitted. Existing Citi deposit and credit card customers who have been a Citi customer for less than 12 months are not eligible for a Citi® Personal Loan.

If you apply online, you must agree to receive the loan note and all other account disclosures provided with your loan origination in an electronic format and provide your signature electronically.

Rates as of 12-01-2024. Your APR may be as low as 11.49% or as high as 20.49% for the term of your loan. The lowest rate quoted assumes excellent credit and a loan term of 24 or 36 months. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Citi offers personal loans with a period of repayment between 12 and 60-month terms. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52.

There is a 0.5% APR discount if you enroll in automatic payments at loan origination. Additionally, existing Citigold and Citi Priority customers will receive a 0.25% discount to the APR. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.

To check for offers you may qualify for, Citi conducts a soft credit inquiry. If you are presented with an offer and choose to proceed with the application process, Citi will conduct a hard credit inquiry which may have an impact on your credit score.

Citi® Personal Loan proceeds cannot be used to pay for post-secondary education expenses or for business purposes. Credit cards issued by Citibank, N.A. or its affiliates, as well as Checking Plus and Ready Credit accounts, are not eligible for debt consolidation, and Citibank will not issue payoff checks for these accounts. If you are unsure of the issuer on the account, please visit https://www.citi.com/affiliatesproducts for a list of Citi products and affiliates.

If you are approved for a personal loan with Citi, you can get your funds the same day with a Citi deposit account, or up to 2 business days for a non-Citi account when using direct deposit. Or, you can select to receive a check by mail in approximately 5 business days.

Personal loans are made available by Citibank, N.A., Equal Housing lender

Discover Personal Loans

This is not a commitment to lend from Discover Personal Loans and the presented loan terms and APR are not guaranteed. Your APR will be between 7.99% and 24.99% based on creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 12.99% APR for a term of 72 months, you’ll pay just $301 per month. You must have a minimum individual or household annual income of $25,000, be over 18 years of age, and have a valid US SSN to be considered for a Discover personal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select. State restrictions may apply. A Discover personal loan is intended for personal use and cannot be used to pay for post-secondary education, to pay off a secured loan, or to directly pay off a Discover credit card. If your application is approved, we will send funds after you accept the loan. Your bank or creditor may take more days to process the funds. This offer is limited to you and cannot be shared. Discover makes loans without regard to race, color, religion, national origin, sex, disability, or familial status.

Integra Credit Online Personal Loan

The loan offers presented on Credit Karma are not guaranteed offers and do not represent a commitment of credit. You must visit the Integra Credit website and complete a loan application prior to receiving any credit offers. You may also be required to submit additional verification of your income, assets, and financial condition prior to being eligible to receive a final credit offer, including the final interest rate and terms that we have approved you for. The interest rate and terms will be provided to your prior to you signing any loan agreement. You must read all terms, conditions, and requirements on the Integra Credit Website and in any loan agreement and disclosures prior to agreeing to the terms of any offer we make to you. Integra Credit is not an affiliate of Credit Karma.

Jenius Bank

This is not a commitment to lend from Jenius Bank, a division of SMBC MANUBANK, and the presented loan terms and Annual Percentage Rate (APR) are not guaranteed. Fixed rates for Jenius Bank personal loans range between 8.24%-23.49% APR. The rates reflect an autopay discount of 0.25% and are current as of 12/02/2024. Not all rates and loan amounts are available to all borrowers in all states. Rates are subject to change without notice. Your APR will be based on the approved loan amount and term, your credit profile and other factors. For $10,000 borrowed over 60 months at 11.74% APR, the monthly payment is $221.09. This example is an estimate only and assumes all payments are made on time. To check rates and terms you may qualify for, Jenius Bank does a soft credit pull that will not affect your credit score. If you submit an application, a hard credit pull will be done which may affect your credit score.  If you accept your loan terms by 8 p.m. EST (not including weekends or holidays), you may receive your funds the next business day. Equal Housing Lender. NMLS ID: 2293682 NMLS Consumer Access Website: https://www.nmlsconsumeraccess.org

LendingClub

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $23,354 for a term of 36 months, with an interest rate of 11.49% and a 6.00% origination fee of $1,401 for an APR of 14.24%. In this example, the borrower will receive $21,953 and will make 36 monthly payments of $770. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 9.06% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.

Unless otherwise specified, loans are made by LendingClub Bank, N.A., Member FDIC (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Intuit Credit Karma and is not responsible for the products and services provided by Intuit Credit Karma.

Loans are subject to credit approval and sufficient investor commitment. If a credit union is selected to invest in the loan, credit union membership will be required. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures at Lendingclub.com.
“LendingClub” is a trademark of LendingClub Bank.

LendingPoint

Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

Lendmark Financial

All loans are subject to final credit approval and our normal underwriting standards, which include assessing the sufficiency of your income. Not all applicants will be approved, and this is not a commitment to lend. Minimum or maximum loan amounts, rates, loan fees and terms will vary and are subject to applicable state law requirements depending on your state of residence at the time of loan application. You may be required to pledge collateral. On secured loans, Lendmark will require a first lien on a motor vehicle that meets our value requirements, titled in your name, and proof of valid auto insurance. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. Please note that the loan proceeds cannot be used for postsecondary educational expenses such as college, university or vocational programs; for business or commercial purposes; for the purchase of securities; or for gambling or any illegal purposes.

Mariner Finance

The offer presented is a conditional offer and does not constitute an actual commitment to lend or an offer to extend credit. The stated APR in the presented offer represents the maximum APR that may be applicable, subject to state law limits. Specific interest rates and any other fees will be determined as permitted under applicable state law. The APR and all terms and conditions of a loan offer will be disclosed during the application process. Submission of a completed application to the Mariner Finance website is required, and the application will be subject to verification of applicant identity, any required supporting documentation, and credit information. To qualify, you must be a U.S. citizen or permanent resident and meet the underwriting requirements. The application process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. Please note that if you continue through the application process and accept an offer, Mariner Finance will pull your credit report and credit score using a “hard” credit inquiry, which may impact your credit score. Loan proceeds may be disbursed by check or Automated Clearing House (ACH) deposit. ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing. Mariner Finance 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.

NetCredit

This offer is representative of what may be available to you; you may see additional options or different terms once you continue the application process on the NetCredit website. Depending on your state, your loan or line of credit may be offered by NetCredit or a lending partner bank. You may be asked to provide additional documents regarding your income, identity and bank account. In some states, the Annual Percentage Rate of your Personal Loan may include a loan origination fee, which is deducted from the loan proceeds. For Lines of Credit a 10% Cash Advance Fee will be deducted from the amount of each Cash Advance, and each billing period a Statement Balance Fee of $0 – $500 will apply based on your Cash Advance Balance. Each Billing Cycle, your Minimum Payment will include a portion of your Cash Advance Balance plus the Statement Balance Fee. The minimum Cash Advance varies by state. Please see Terms of Use, and Rates & Terms and Borrower Agreements for all terms, conditions and requirements.

OneMain Financial

Unsecured Loans

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.

Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.

Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options.

CK Guarantee and Outstanding Approval Odds: If you have received an offer with CK Guarantee or outstanding approval odds, you must apply for the offer and continue to meet the criteria used to select you for the offer. A CK Guarantee or outstanding approval odds offer assumes that you do not have a current loan with OneMain or one of its affiliates.

Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans.

Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

OneMain Financial

Secured Loans

You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.

Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.

Current OneMain Customers: Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates. If a customer applies for a new loan offer, a OneMain representative will discuss available options.

CK Guarantee and Outstanding Approval Odds: If you have received an offer with CK Guarantee or outstanding approval odds, you must apply for the offer and continue to meet the criteria used to select you for the offer. A CK Guarantee or outstanding approval odds offer assumes that you do not have a current loan with OneMain or one of its affiliates.

Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral. If you are covered by the MLA, you are not eligible for secured loans.

Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

OppLoans

The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors.

Installment loan amounts typically range from $500 to $4,000. Annual percentage rate (APR) ranges from 160% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms/ for additional information. Not all applicants will qualify for the lowest available rates. Rates are determined and assigned based on creditworthiness. The actual rate for an individual loan will fall within the marketed range of rates. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction.

OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.

Payoff

This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.

Possible Finance

Funding typically occurs within minutes of approval but can take up to 5 days. In some states, loans available through Possible Finance are issued by Coastal Community Bank, Member FDIC. Loan terms are subject to eligibility.

Prosper

For example, a three-year $10,000 personal loan would have an interest rate of 9.38% and a 9.99% origination fee for an annual percentage rate (APR) of 16.74% APR. You would receive $9,001.00 and make 36 scheduled monthly payments of $319.77. A five-year $10,000 personal loan would have an interest rate of 11.14% and a 9.99% origination fee with a 15.84% APR. You would receive $9,001.00 and make 60 scheduled monthly payments of $218.12. Origination fees vary between 1% and 9.99%. Personal loan APRs through Prosper range from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.

Regional Finance

Loans under $2,500

Once prequalified, an applicant will work with a local loan specialist to complete the application and verify the information submitted. Loan approval and actual loan terms depend on Regional Finance’s standard credit criteria (including credit history, income and debts) and the availability of qualifying collateral. The APR shown is representative of the loan amount requested and is subject to state restrictions. This offer is not available if you are a covered borrower under the Military Lending Act.

Regional Finance

Loans $2,500 and higher

Once prequalified, an applicant will work with a local loan specialist to complete the application and verify the information submitted. Loan approval and actual loan terms depend on Regional Finance’s standard credit criteria (including credit history, income and debts) and the availability of qualifying collateral. The APR shown is representative of the loan amount requested and is subject to state restrictions. This offer is not available if you are a covered borrower under the Military Lending Act.

Reprise Financial

Republic Finance

Standard loan terms apply based on your state of residence, including rates and origination fees. All loans and renewals are subject to approval pursuant to standard underwriting criteria. Secured loan options will have additional collateral and insurance requirements. Not all consumers will qualify for all loan options.

Revolut

You may be asked to provide additional income or identity documents to satisfy our underwriting requirements. You’ll need to download and complete the signup process for the Revolut app in order to finish the loan application. Loans through Revolut are unsecured personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All uses of “Revolut” refer to the “personal loan through Revolut” and/or “Revolut on behalf of CrossRiver Bank, as originator of the Revolut Personal Loan”. The Revolut USA Prepaid Visa® and Prepaid Mastercard® are issued by Metropolitan Commercial Bank pursuant to a license from Visa U.S.A. Inc. for Visa cards, and Mastercard International for Mastercard cards, and may be used everywhere Visa or Mastercard are accepted. Banking services are provided by Metropolitan Commercial Bank, Member FDIC, and are subject to the terms of a Cardholder Agreement. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank © 2014. Loan amounts range from $2,000 to $30,000. Annual Percentage Rates (APRs) range from 11.40% to 26.20% on October 24, 2023. Minimum and/or maximum loan amounts and APR limits may vary by state. Rates may change at any time. Application is subject to credit approval. See FAQ’s for additional eligibility criteria. An example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 36 months, with an interest rate of 15.9%. In this example, the borrower will receive $10,000 and will make 36 monthly payments of $351.08.

Rise

This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application. Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state. In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement. †Applications processed and approved before 6pm ET are typically funded the next business day. ††May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details. In KS, TN and TX, installment loans are originated by Community Capital Bank, a Utah Chartered bank, located in Provo UT, Member FDIC. In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.

Rocket Loans

All loans are made by Cross River Bank, a New Jersey state chartered commercial bank, Member FDIC, Equal Housing Lender.

SoFi

Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount.
SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 9/18/24 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.

Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

Splash Financial

Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. You may be required to have some of your funds sent directly to pay off your credit cards. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from your bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. Personal loans made by Universal Credit’s lending partners. Information on Universal Credit’s lending partners can be found at https://www.universal-credit.com/landing/lendingpartners. Please refer to Universal Credit’s Terms of Use and Borrower Agreement for all terms, conditions and requirements. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to two (2) weeks to clear, depending on the creditor.

Upgrade

Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. You may be required to have some of your funds sent directly to pay off your credit cards. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from your bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Upstart

This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate, loan amount, and loan terms are subject to change based upon information received in your full inquiry on our site. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the Upstart.com website. 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. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000). The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 19.24% and a 8.98% origination fee of $898, for an APR of 23.93%. In this example, the borrower will receive $9102 and will make 60 monthly payments of $262. APR is calculated based on 5-year rates offered in June 2024. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. There may be an option to secure your personal loan through Upstart with your vehicle, which will require a lien to be placed on the vehicle. It is important to review your promissory note for these details before accepting your loan.

Zable

Loan amounts are subject to change and state law restriction, including minimums in the following states: MA $6,001, HI $1,501, AL $1,501, GA $3,001. APR is subject to state law, varies by state, and is determined based on your credit, income, and other information provided in your loan application. For applications approved before 3:30 pm EST on business days. Not all applicants will qualify. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you proceed with your application, we do another (hard) credit inquiry that may impact your credit score. This offer is conditioned upon your submission of a complete application, and our final approval based on our consideration and verification of financial and non-financial information. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, and resides in the US. Zendable, LLC and Zable loans are made by Cross River Bank, Member FDIC. Zendable, LLC is registered in New York as Zendable of New York, LLC under the assumed name Zable. This is not a deposit product.