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      September 1, 2015
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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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2015

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.
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Site

4.5 stars
Avant

AVANT

Avant's newer history as a personal lender may make them less attractive to some prospective customers. However, their lack of fees for application or prepayment are worth noting, and for borrowers looking for a turnaround time as little as one business day, Avant may be the ideal choice.
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Site

4.5 stars
LendingTree

LENDING TREE

While LendingTree does not fund loans itself, it does connect borrowers with a wide range of potential lenders and allows customers to negotiate directly with those lenders if they wish. Many of those lenders work with those people who have less-than-perfect credit, making LendingTree a great one-stop shop for researching the best loan for every kind of borrower.
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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

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

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

1 star
All World Private Funding

ALL WORLD PRIVATE FUNDING

All World Private Funding is a company that serves as liaison between individuals seeking personal loans and individuals willing to lend. All World Private Funding is not a personal loan lender and does not work with financial institutions. The challenge with this website is that itís very clunky and confusing. Also, based on some customers reviews found online, thereís also a potential risk with identity theft for those using this website. Read More... Visit
Site

 

 

 

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