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Historically, borrowers typically had a couple of options for a personal loan. You could ask a family member, or locate a personal finance company that typically offered high, fixed-rate loans.

Get Your Personal Loan with Lending Club Today! Today, finding a personal loan brings several more options to the table. You can still ask a family member, or get a high-rate loan from a finance company. Alternatively, you can consider using a social lending network. These networks, also called peer-to-peer loans, generally have much lower overhead and as a result can offer much lower interest rates. They're facilitated by professional companies familiar with this type of lending, to simplify things for all parties.

No matter where you borrow money from, before you get your next personal loan you should consider the following:

  • BBB rating. Does the lending company have a solid history of doing good business with its customers?
  • Loan size and rate. How much will the lending company offer? What interest rate do they charge their customers?
  • Loan application process. When applying for your personal loan, can it be completed online? Is the lending process easy and straightforward?

TopConsumerReviews.com has reviewed and ranked the best online personal loan providers available today. We hope this information helps you find the best loan at an affordable rate that meets your needs!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Personal Loan Reviews

5 stars
Lending Club

LENDING CLUBTopConsumerReviews.com Best-In-Class Blue Ribbon Award

Lending Club is a recognized leader in the social lending market. They do an excellent job of bringing together lenders and those wanting an affordable loan between $1,000 to $35,000.
Read More... Visit
Site

4 stars
Prosper

PROSPER

Prosper provides a simple lending process and a website that's easy to navigate. Loan rates can range a little higher at Prosper but, if you are in the market for a $2,000 to $25,000 loan Prosper is worth your consideration.
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Site

4 stars
NetCredit

NET CREDIT

NetCredit is a subsidiary of a major financial lending company and specializes in unsecured personal loans between $1000 and $10,000. The process of completing an application is online and easy to follow. NetCredit works with customers with varying credit scores and looks at more than just credit history to either accept or deny a loan. The biggest downside to working with NetCredit is that they only currently service a handful of States. Read More... Visit
Site

3.5 stars
Springleaf Financial

SPRINGLEAF FINANCIAL

Springleaf Financial brings to the table a strong BBB rating and a long history of doing business. However, their personal loan rates can be expensive. While Springleaf is a dependable company that you can count on, you many be able to save some money with a higher ranked lender. Read More... Visit
Site

3.5 stars
Personal Loans

PERSONAL LOANS

Personal Loans serves as a liaison between customers wanting personal loans and available lenders willing to assist. Customers will find three different loan types at this well-organized website along with flexible payment options and the choice to borrow up to $35,000. Our only challenge with reviewing Personal Loans was finding any substantial history or reliability information. Read More... Visit
Site

3 stars
One Main Financial

ONE MAIN FINANCIAL

One Main Financial, previously CitiFinance, provides a quickly funded personal loan but anticipate a much higher interest rate, a smaller loan range and the potential for poor customer service. Read More... Visit
Site

2 stars
A Loan Yes

A LOAN YES

We had concerns with the lack of BBB rating available for A Loan Yes, the numerous complaints of unhappy customers, and the unfriendly website. We also didn't like paying an upfront fee before we knew if we'd be able to secure a loan or not. Read More... Visit
Site

Study Shows Borrowers Can Save up to $1,000 on Average by Comparison-Shopping Personal Loans on LendingTree
CHARLOTTE, N.C., March 24, 2015 /PRNewswire/ --LendingTree, the nation's leading online loan marketplace, has launched an ongoing study to track the range of Annual Percentage Rates (APRs) on personal loans offered to prospective borrowers on its marketplace, highlighting the...
Publication Date: Tue, 24 Mar 2015 13:14:02 -0700

Loan largesse
Banks are changing their strategies. Retail lending, which shrank following the downturn, is growing again.
Publication Date: Sat, 21 Mar 2015 05:33:41 -0700

Springleaf buying OneMain Financial for $4.25 billion
Personal finance company Springleaf Holdings is buying Citigroup's OneMain Financial for $4.25 billion. OneMain Financial Holdings Inc. of Baltimore provides personal loans and has more than 1,100 neighborhood ...
Publication Date: Tue, 03 Mar 2015 04:35:58 -0800

The J.G. Wentworth Company Announces Entry into Personal Loans Category Through Partnership with AvantCredit
The J.G. Wentworth Company , a leading purchaser of structured settlement payments, annuity payments, lottery payments and other receivables through the J.G.
Publication Date: Mon, 09 Mar 2015 13:00:00 -0700

Student Loan Help Center Announces Comprehensive Services to Help Clients Avoid Tax Offset
Defaulted student loans is a serious problem more and more people face every single day.
Publication Date: April 01, 2015

Loans and overdrafts 'more popular'
Borrowers are becoming more confident in taking out personal loans and overdrafts, according to the High Street banks.
Publication Date: Wed, 25 Mar 2015 04:48:52 -0700

The Most Underutilized Debt Payoff Tool
Personal loans are a debt-payoff tool that many borrowers overlook, but here's what you need to consider before you apply.
Publication Date: Tue, 17 Mar 2015 03:00:52 -0700

Personal finance up 3.4% in January
The value of new personal loans rose 3.4 per cent in January.
Publication Date: Thu, 26 Mar 2015 03:34:22 -0700

Keeping Tabs on Krekorian
When it comes to paying off campaign debt and even personal loans, Los Angeles City Councilman Paul Krekorian is turning to special interest groups for help, the Los Angeles Daily News reports.
Publication Date: Wed, 01 Apr 2015 07:34:24 -0700

American Consumer Credit Counseling Offers Important Money Lessons for Kids of all Ages During Financial Literacy Month
Learning about finances at a young age is key to making sound financial decisions in the future
Publication Date: April 01, 2015

Average UK household to be 10,000 in debt by end of 2016
Report warns that peoples complacency over their ability to manage their borrowing could lead to resurgence in bad debt The average UK household will owe close to 10,000 in debts such as personal loans, credit cards and overdrafts by the end of 2016, which is a new high in cash terms, a report has found. Total outstanding non-mortgage borrowing grew by nearly 20bn or 9% in 2014, to reach ...
Publication Date: Sun, 22 Mar 2015 17:01:04 -0700

Strange out-raises challengers in March; Davis ahead in overall total
According to the latest campaign finance reports, Incumbent Mayor Todd Strange has about $175,000 on hand - behind Candidate Artur Davis, who has nearly $275,000. The biggest chunk of Davis' campaign cash comes from two personal loans made to his campaign in January, totaling more than $403,000. During the mo
Publication Date: Wed, 01 Apr 2015 08:36:30 -0700

Financial Literacy Education Gains Momentum As New States Adopt Council for Economic Education's National Standards
Council for Economic Education Kicks Off Financial Literacy Month with Push for Advocacy, New Resources for Assessment and Education
Publication Date: April 01, 2015

 

 

 

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