The Best Online Personal Loans in 2021

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SoFi

Best for online loans for good credit

4.99 – 19.63%

Fixed prices from 4.99% APR to 19.63% APR (with AutoPay). The SoFi tariff ranges are current on August 11, 2021 and can be changed without prior notice. Not all prices and amounts are available in all states. See details on personal loan eligibility. Not all applicants qualify for the lowest tariff. Lowest interest rate reserved for the highest creditworthy borrowers. Your actual interest rate will be within the tariff range listed above and will depend on a variety of factors, including assessments of your creditworthiness, income, and other factors. See APR Examples and Terms. The SoFi 0.25% AutoPay interest rate reduction requires that you agree to make monthly principal and interest payments through an automatic monthly deduction from a savings or current account. The service expires and expires for periods in which you do not pay by automatic deduction from a savings or current account.

$ 5,000 to $ 100,000

680

Luminous flux

LightStream

Best for online loans for good credit

4.49-20.49%

Your credit terms, including the APR, may vary depending on the purpose, amount, term and credit profile. AutoPay 0.50% discount is only available if selected prior to loan financing. Prices without AutoPay are 0.50% higher. To get a loan, you will need to complete an application on LightStream.com, which may affect your creditworthiness. Subject to the loan approval. Conditions and restrictions apply. The prices and conditions shown are subject to change without notice. Payment example: Monthly payments for a loan of $ 10,000 at 6.14% APR and a term of 3 years would result in 36 monthly payments of $ 304.85. Truist Bank is an equal housing provider. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are property of their respective owners. Truist Bank loan services.

$ 5,000 to $ 100,000

660

Pay off

Pay off

Best for online debt consolidation loans

5.99 – 24.99%

This is not an actual loan commitment or offer. When submitting a loan application, you may be asked to provide additional documents so that we can review your income, assets and financial situation. Your interest rate and the conditions for which you are approved will be shown to you as part of the online application process. Most applicants are given a variety of loan offers to choose from, with different loan amounts and interest rates. Borrower is subject to a lending fee that is deducted from loan proceeds. Please refer to the full borrower agreement for all terms and requirements.

$ 5,000- $ 40,000

600

Marcus from Goldman Sachs

Marcus from Goldman Sachs

on the Goldman Sachs website

Best for online debt consolidation loans

6.74 – 19.74%

Your credit terms are not guaranteed and are subject to our verification of your identity and credit information. In order to get a loan, you will need to submit additional paperwork, including an application, which may affect your creditworthiness. The availability of a loan offer and the terms of your actual offer will vary based on a number of factors, including your loan purpose and our assessment of your creditworthiness. The interest rates depend on many factors, such as: B. Your creditworthiness (e.g. creditworthiness and credit history) and the length of your loan (e.g. interest rates on 36 month loans are generally lower than interest rates on 72 month loans). Your maximum loan amount can vary depending on the purpose of the loan, income and creditworthiness. Your proven income must support your ability to repay your loan. Marcus by Goldman Sachs is a trademark of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Additional conditions apply to applications. Receive a 0.25% APR reduction when you sign up for AutoPay. This discount will not apply if AutoPay is not in effect. When you sign up, a larger portion of your monthly payment will be applied towards your principal loan amount and there will be less interest on your loan, which can result in a smaller final payment. For details see loan agreement.

$ 3,500- $ 40,000

660

at least 600 VantageScore® 3.0 and at least 660 FICO® 9.0.

Update

Update

Best for online loans for fair credit

5.94 – 35.47%

Upgraded personal loans have an annual percentage rate of 5.94% to 35.47%. All personal loans have a 2.9% to 8% processing fee that is deducted from loan proceeds. The lowest interest rates require autopay and the direct repayment of part of the existing debt. For example, if you received a $ 10,000 loan with a term of 36 months and an APR of 17.98% (including an annual rate of 14.32% and a one-time commitment fee of 5%), you would receive $ 9,500 on your Account and would have a required monthly payment of $ 343.33. Over the life of the loan, your total payments would total $ 12,359.97. The APR on your loan can be higher or lower, and your loan offers may not have multiple terms. The actual interest rate will depend on creditworthiness, credit history, loan duration, and other factors. Late payments or subsequent fees and charges can add to the cost of your fixed rate loan. There are no fees or penalties for repaying a loan early. Personal loans issued by Upgrade’s credit partners. Information on Upgrade’s rental partners can be found at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be returned to your bank or designated account within one (1) business day of the completion of required verifications. Fund availability will depend on how quickly your bank processes the transaction. Funds should be available within four (4) business days from the date of approval. Funds sent direct to pay off your creditors can take up to 2 weeks to complete depending on the creditor.

$ 1,000- $ 50,000

560

upstart

upstart

Best for online loans for fair credit

4.37 – 35.99%

The full range of tariffs available varies by state. The average 3 year loan offered by all lenders using the Upstart platform has an APR of 21.97% and 36 monthly payments of $ 35 per $ 1,000. For example, the total cost of a $ 10,000 loan is $ 12,646 including a $ 626 service fee. The APR is calculated based on the 3-year rates offered in the last 1 month. There is no down payment and no early repayment penalty. Your APR is determined based on your creditworthiness, income, and certain other information on your loan application. Not all applicants will be admitted.

$ 1,000- $ 50,000

580

OneMain

OneMain Financial

on the OneMain Financial website

Best for online loans with bad credit

18.00 – 35.99%

Not all applicants qualify for larger loan amounts or cheapest loan terms. Loan approval and actual loan terms will depend on your ability to meet our credit standards (including a responsible credit history, adequate income after monthly expenses, and availability of collateral). Larger loan amounts require a first lien on a motor vehicle that is not older than ten years and corresponds to our values ​​and is inscribed in your name with a valid insurance. The maximum annual interest rate (APR) is 35.99%, subject to government restrictions. The APR are generally higher on loans that are not secured by a vehicle. Depending on the state in which you are opening your loan, the commitment fee can be either a lump sum or a percentage of your loan amount. Flat-rate fees vary by state and range from $ 25 to $ 300. Percentage fees vary by state and range from 1% to 10% of your loan amount, subject to certain state limits on the fee amount. Active military personnel, their spouses, or relatives covered by the Military Loans Act are not allowed to pledge a vehicle as security for a loan. The OneMain loan proceeds cannot be used for post-secondary education expenses within the meaning of Regulation Z of the CFPB, such as B. Expenses for colleges, universities or vocational training; for business or commercial purposes; to buy stocks; or for gambling or illegal purposes. Borrowers in these states are subject to these minimum loan sizes: Alabama: $ 2,100. California: $ 3,000. Georgia: Unless you are a current customer, the minimum loan amount is $ 3,100. Ohio: $ 2,000. Virginia: $ 2,600. Borrowers (excluding current customers) in these states are subject to these maximum unsecured loan amounts: North Carolina: $ 7,500. New York: $ 20,000. An unsecured loan is one that does not require you to provide collateral (such as a motor vehicle) to the lender.

$ 1,500- $ 20,000

None

Average score is 600-650

RocketLoans

Rocket loan

on the secure website of NerdWallet

Best for quick online loans

5.97 – 29.69%

All personal loans are made by Cross River Bank, a state-approved commercial bank of New Jersey, a member of the FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. The creditworthiness is not guaranteed. Please refer to our Disclosures and Licenses page for the disclosures, licenses, and borrowing restrictions required. The borrower must be a U.S. citizen or a foreign resident of the United States who is at least 18 years old (in Nebraska and Alabama, a borrower must be at least 19 years old). All loan applications are subject to credit checks and approval. The loan terms offered depend on your credit profile, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate. To qualify for the lowest plan, you must have excellent credit, meet certain conditions, and select automatic payment. Prices and conditions can be changed at any time without prior notice. Additional terms can be found at RocketLoans.com and in our Terms of Use.

$ 2,000- $ 45,000

640

See my prices

on the secure website of NerdWallet

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