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SoFi vs 100 Lenders

Monday, July 26th

2021 Personal Loan Provider Reviews

SoFi Review 5 Star Rating

SoFi

5 Star Rating
  • Loan: From $5,000 to $100,000
Top Consumer Reviews Best-In-Class Blue Ribbon Award

SoFi (pronounced "SEW-fi", as in "SOcial FInance") is one of the newest sources of personal loans on the market. Their straightforward application process, user-friendly website, and lack of fees make them a very strong contender. We were especially impressed by their unemployment protection feature, which can allow members to suspend repayments on a loan when they lose their jobs. SoFi is a great lender to consider if you're looking for a personal loan.

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100 Lenders Review 4 Star Rating

100 Lenders

4 Star Rating
  • Loan: From $100 to $35,000

100 Lenders is a service that connects borrowers with a network of financial institutions who provide personal loans. The application process is quick and basic, and numerous customer reviews praise the service received when taking out a personal loan from a 100 Lenders partner.

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More Personal Loan Provider Reviews

5 Stars

SoFi
4.5 Stars

Upstart
4.5 Stars

LendingTree
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

Leap Credit
1 Stars

Better Loans Mutual
See all of our
Personal Loan Provider reviews

The 14 Best Personal Loan Providers

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

Continue reading below
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
  • LendingClub
  • Avant
  • 100 Lenders
  • Prosper
  • Even
  • NetCredit
  • Personal Loans
  • OneMain Financial
  • LifeLoans
  • Leap Credit
  • Better Loans Mutual
SoFi vs Upstart SoFi vs LendingTree 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 Leap Credit SoFi vs Better Loans Mutual Upstart vs LendingTree 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 Leap Credit Upstart vs Better Loans Mutual 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 Leap Credit LendingTree 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 Leap Credit 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 Leap Credit 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 Leap Credit 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 Leap Credit Prosper vs Better Loans Mutual Even vs NetCredit Even vs Personal Loans Even vs OneMain Financial Even vs LifeLoans Even vs Leap Credit Even vs Better Loans Mutual NetCredit vs Personal Loans NetCredit vs OneMain Financial NetCredit vs LifeLoans NetCredit vs Leap Credit NetCredit vs Better Loans Mutual Personal Loans vs OneMain Financial Personal Loans vs LifeLoans Personal Loans vs Leap Credit Personal Loans vs Better Loans Mutual OneMain Financial vs LifeLoans OneMain Financial vs Leap Credit OneMain Financial vs Better Loans Mutual LifeLoans vs Leap Credit LifeLoans vs Better Loans Mutual Leap Credit vs Better Loans Mutual
Compare the Best Personal Loan Providers
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Review the Best Personal Loan Providers

Personal Loan Articles

How to Use a Personal Loan

The Best Way to Shop for a Personal Loan

What to Expect with a Personal Loan
See the Best Personal Loan Provider

Trending Personal Loan News

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Asia One

Denied a personal loan? How to improve your credit score now

The Credit Bureau Singapore (CBS) and the Moneylenders Credit Bureau (MLCB), collects and manages consumer credit data. They give each Singapore consumer a credit score that indicates how likely you ...

  Sun, 25 Jul 2021
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Fox Business

3-year fixed personal loan rates hit 3-month low

Borrowers with good credit seeking personal loans during the week of July 12, 2021, prequalified for rates that were slightly lower compared to last week's fixed-rate loans. For borrowers with credit ...

  Tue, 20 Jul 2021
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al.com

Inmate labor, personal loans, failed arms business punctuate ...

The jury in downtown Athens, Ala. has heard testimony from 29 witnesses against Limestone County Sheriff Mike Blakely.

  Fri, 23 Jul 2021
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Fox Business

How to save money on your personal loan — and pay off your debt ...

If your personal loan has a high interest rate or a long repayment term, it may be costing you more money than you realize. Read these tips for saving money and paying off your loan faster.

  Thu, 24 Jun 2021
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Time

LightStream Personal Loans Review 2021: Low Rates for Those With Good ...

LightStream offers no-fee personal loans and a rate beat program, but you’ll need to submit an application — and undergo a hard credit check — to see your rate.

  Wed, 14 Jul 2021
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Forbes

Republicans Question Biden’s Bureau Of Land Management Pick Over ...

Republican senators are questioning President Joe Biden’s nominee to head the Bureau of Land Management over a personal loan she accepted from a Montana developer.

  Tue, 20 Jul 2021

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