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LendingClub vs OneMain Financial

Sunday, January 24th

2021 Personal Loan Provider Reviews

LendingClub Review 4 Star Rating

LendingClub

4 Star Rating
  • Loan: From $1,000 to $40,000

LendingClub is a recognized leader in the social lending market, which is an alternative to traditional lender-based institutions. They're reliable and do a great job of bringing together lenders and those who want an affordable loan, anywhere from $1,000 to $40,000.

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OneMain Financial Review 3.5 Star Rating

OneMain Financial

3.5 Star Rating
  • Loan: Personal and Auto Loans from $1,500 - $30,000

OneMain 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 OneMain is a dependable company that you can count on, you many be able to save some money with a higher ranked lender.

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More Personal Loan Provider Reviews

5 Stars
SoFi
4.5 Stars
Upstart
4.5 Stars
LendingTree
4 Stars
Credible
4 Stars
LendingClub
4 Stars
Avant
4 Stars
100 Lenders
3.5 Stars
Prosper
3.5 Stars
Even
3.5 Stars
NetCredit
3.5 Stars
Personal Loans
3.5 Stars
OneMain Financial
2 Stars
LifeLoans
1 Stars
Better Loans Mutual

The 14 Best Personal Loan Providers

  1. SoFi
  2. Upstart
  3. LendingTree
  4. Credible
  5. LendingClub
  6. Avant
  7. 100 Lenders
  8. Prosper
  9. Even
  10. NetCredit
  11. Personal Loans
  12. OneMain Financial
  13. LifeLoans
  14. Better Loans Mutual

Are You in Need of Some Cash?

Historically, borrowers have had limited options for a personal loan. You could ask a family member, a friend, or find a personal finance company that offered fixed-rate loans, typically at exobrtantly high interest rates.

Today, however, finding a personal loan brings several more options to the table. While you can still ask a family member, or get a high-rate loan from a finance company, you can also 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.

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The Best Personal Loan Providers Compare Personal Loan Providers Compare Personal Loan Provider Reviews What are the best Personal Loan Providers Best Personal Loan Provider Reviews

Personal Loan Provider FAQ

Any way you like! Personal loans typically don't come with restrictions on how they're used. Paying off high-interest credit cards, splurging on a luxury item you've always wanted, taking a much-needed family vacation: you can use your personal loan for all of that and more.
Most banks and credit unions offer personal loans, but your financial institution might not offer the most competitive rates. There are many lesser-known sources that want to earn your business with lower APRs and more personalized attention over the life of the loan.
That depends on a number of factors, such as your credit history and income. It's definitely worth shopping around, just like you would when buying a car or other big-ticket item. Consider using a service that allows you to get loan offers from multiple lenders with a single application: that will make it more likely that you'll get the best possible rate and terms on your personal loan.
When you're making an initial inquiry to see if you qualify for a personal loan, it usually involves a "soft pull" on your credit - verifying your identity, credit score, and current debts. That will not lower your credit score. However, if you take the next step and apply for a specific loan, expect that your credit score may dip a (but only temporarily).
Most lenders allow you to complete the process online, from beginning to end. That's a big perk for people who can't get to a brick-and-mortar bank during regular business hours.
Personal loans are available in amounts ranging from $100 to $100,000. Before you get too excited and start planning how you'll spend the money, keep in mind that the amount you'll actually be approved for depends on your financial situation. The higher your credit score and the lower your outstanding debts, the more likely it is that you will qualify for a bigger loan.
The application process can be extremely fast: some lenders can approve your loan in just a few minutes. Once you accept a personal loan offer, most providers will direct deposit the funds within 1-5 business days.
As with any kind of loan, it's important to keep track of the details: don't borrow more money than you can comfortably repay, make on-time payments every month, and communicate with your lender if unforeseen circumstances arise (e.g. unemployment, natural disaster, disability) and you need forbearance or other accommodations. It's also wise to check out the reputation of the lender: reviews from previous clients and a rating from the Better Business Bureau can be very informative as you decide which provider to use for your personal loan.
Compare the Best Reviews

Continued from above...

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!

Compare Personal Loan Providers

Select any 2 Personal Loan Providers to compare them head to head

best-personal-loans
  • SoFi
  • Upstart
  • LendingTree
  • Credible
  • LendingClub
  • Avant
  • 100 Lenders
  • Prosper
  • Even
  • NetCredit
  • Personal Loans
  • OneMain Financial
  • LifeLoans
  • Better Loans Mutual
SoFi vs Upstart SoFi vs LendingTree SoFi vs Credible SoFi vs LendingClub SoFi vs Avant SoFi vs 100 Lenders SoFi vs Prosper SoFi vs Even SoFi vs NetCredit SoFi vs Personal Loans SoFi vs OneMain Financial SoFi vs LifeLoans SoFi vs Better Loans Mutual Upstart vs LendingTree Upstart vs Credible Upstart vs LendingClub Upstart vs Avant Upstart vs 100 Lenders Upstart vs Prosper Upstart vs Even Upstart vs NetCredit Upstart vs Personal Loans Upstart vs OneMain Financial Upstart vs LifeLoans Upstart vs Better Loans Mutual LendingTree vs Credible LendingTree vs LendingClub LendingTree vs Avant LendingTree vs 100 Lenders LendingTree vs Prosper LendingTree vs Even LendingTree vs NetCredit LendingTree vs Personal Loans LendingTree vs OneMain Financial LendingTree vs LifeLoans LendingTree vs Better Loans Mutual Credible vs LendingClub Credible vs Avant Credible vs 100 Lenders Credible vs Prosper Credible vs Even Credible vs NetCredit Credible vs Personal Loans Credible vs OneMain Financial Credible vs LifeLoans Credible vs Better Loans Mutual LendingClub vs Avant LendingClub vs 100 Lenders LendingClub vs Prosper LendingClub vs Even LendingClub vs NetCredit LendingClub vs Personal Loans LendingClub vs OneMain Financial LendingClub vs LifeLoans LendingClub vs Better Loans Mutual Avant vs 100 Lenders Avant vs Prosper Avant vs Even Avant vs NetCredit Avant vs Personal Loans Avant vs OneMain Financial Avant vs LifeLoans Avant vs Better Loans Mutual 100 Lenders vs Prosper 100 Lenders vs Even 100 Lenders vs NetCredit 100 Lenders vs Personal Loans 100 Lenders vs OneMain Financial 100 Lenders vs LifeLoans 100 Lenders vs Better Loans Mutual Prosper vs Even Prosper vs NetCredit Prosper vs Personal Loans Prosper vs OneMain Financial Prosper vs LifeLoans Prosper vs Better Loans Mutual Even vs NetCredit Even vs Personal Loans Even vs OneMain Financial Even vs LifeLoans Even vs Better Loans Mutual NetCredit vs Personal Loans NetCredit vs OneMain Financial NetCredit vs LifeLoans NetCredit vs Better Loans Mutual Personal Loans vs OneMain Financial Personal Loans vs LifeLoans Personal Loans vs Better Loans Mutual OneMain Financial vs LifeLoans OneMain Financial vs Better Loans Mutual LifeLoans vs Better Loans Mutual
Compare the Best Personal Loan Providers
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Trending Personal Loan News

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The Motley Fool on ...

3 Bad Reasons to Take Out a Personal Loan in 2021

Personal loans can be a smart way to borrow, but only if you're doing it for the right reasons. There are plenty of loan products out there designed to help you finance the purchases you need or want.

  Mon, 18 Jan 2021
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Tulsa World

What Is A Personal Loan?

A personal loan is financing extended by an online or traditional lender that you can use for a range of personal purposes. If you’re facing travel expenses, home or auto ...

  Tue, 12 Jan 2021
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Forbes

Why Do Some People Oppose Student Loan Cancellation?

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  Sat, 23 Jan 2021
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BankBazaar.com on ...

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Getting a Personal Loan is a piece of cake these days. In fact, if you follow these pointers, you can even lock in a better interest rate.

  Mon, 18 Jan 2021
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Forbes

President Joe Biden Extends Federal Student Loan Forbearance Until ...

President Joe Biden may have been inaugurated just hours ago, but he’s already making headway on his plans for economic recovery. Biden signed an executive order today extending the federal student ...

  Wed, 20 Jan 2021
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Fox Business

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If you aren't certain how you're going to do that, it helps to brush up on the rules for student loans, housing and living expenses to see if it's possible to borrow to cover what you need. According ...

  Thu, 21 Jan 2021
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Bloomberg

China Plans to Let Banks Sell Soured Personal Loans to Ease Risks

China plans to allow some commercial banks to start selling soured personal loans to distressed asset managers as soon as this month, according to people familiar with the matter.

  Mon, 11 Jan 2021
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TechCrunch on ...

Google cracks down on personal loan apps in India following abuse and ...

Google said on Thursday it has pulled some personal loan apps from Play Store in India and was implementing stronger measures to prevent abuse following reports that said several firms were targeting ...

  Wed, 13 Jan 2021
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NerdWallet

Student Loans: What You Need to Know

There are two main types of loan, and you repay yours only when you stop studying and only when you earn above a certain salary threshold.

  Thu, 21 Jan 2021

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