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Upstart vs Prosper

Tuesday, April 20th

2021 Personal Loan Provider Reviews

Upstart Review 4.5 Star Rating

Upstart

4.5 Star Rating
  • Loan: From $1,000 to $50,000

Upstart is a professional and organized social lending platform focused on helping people achieve their financial goals. Their loan process is quick and efficient and considers many factors including your education, job history, and credit score. With a solid reputation for success, customers can find answers to many of their financial questions because the site clearly describes how their loans work. They also provide education for those seeking guidance for future financial endeavors.

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Prosper Review 3.5 Star Rating

Prosper

3.5 Star Rating
  • Loan: From $2,000 to $40,000

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 $40,000 loan Prosper is worth your consideration.

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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

Leap Credit
1 Stars

Better Loans Mutual
See all of our
Personal Loan Provider reviews

The 15 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. Leap Credit
  15. 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.
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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
  • Leap Credit
  • 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 Leap Credit 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 Leap Credit 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 Leap Credit 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 Leap Credit 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 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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The Motley Fool on ...

Watch Out for These Red Flags When Applying for a Personal Loan

Personal loans are typically an affordable way to borrow. They often have a lower rate than credit cards. And since these loans are designed to be paid off over a few years, they give you the chance ...

  Mon, 19 Apr 2021
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The Motley Fool on ...

3 Personal Loan Scams to Avoid

When shopping for a personal loan, you probably focus on interest rates, fees, and repayment terms. But there's one thing that's more important than all of them -- dealing with a legitimate company.

  Sat, 17 Apr 2021
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Business Insider

LendingClub review: Personal loans starting at $1,000, with ...

LendingClub offers personal loans starting at $1,000. There's no minimum credit score, but the maximum interest rate is on the high side.

  Fri, 16 Apr 2021
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News

Canadians can get a legitimate personal loan online

The need for a fast personal loan online can crop up at any time. Vet bills, emergency car repairs, medical bills, home repairs, and more can happen unexpectedly to any one of us. But if Canadians don ...

  Mon, 19 Apr 2021
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Business Insider on ...

Avant review: Personal loans for people with low credit scores, but ...

Avant is a personal loan provider that offers loans to borrowers with low credit scores. You can get a better rate with a higher credit score, though.

  Thu, 15 Apr 2021
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pymnts.com

Personal Loan Apps Lending A Sense Of Calm To The Recovery In New ...

Brief and to the point. That’s how we like to keep things around here, and the latest PYMNTS Provider Ranking of Personal Loan Apps reflects this ethos with near perfection. Were we to put it another ...

  Wed, 07 Apr 2021
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gisuser.com

Can Personal Short Term Loan Help Your Business: Check Variants

If you have a particular business plan and are sure your venture will benefit from this action, taking out a short-term loan can be useful. However, there are times when requesting a personal loan is ...

  Sat, 17 Apr 2021
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Cleveland.com on ...

Almost half of Jane Timken’s fundraising in Senate race came from a ...

Former Ohio Republican Party Chairman Jane Timken’s fundraising isn’t quite as good as the candidate originally let on, bolstered mostly by a $1 million personal loan to her campaign. On April 5, ...

  Fri, 16 Apr 2021
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Associated Press

Tips for Applying for a Personal Bank Loan Shared by Bankly.DK

One of the cheapest banks for personal loans in DK is Bankly.dk. At Bankly.dk you do not need to check the price at each bank because of their one non-binding application, which, when filled out, ...

  Wed, 14 Apr 2021

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