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      January 26, 2020

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Personal Loans

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

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Best Personal Loans

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 reviews

Best Reviews


2020

Personal Loan Reviews

5 stars
LendingTree

LENDINGTREETopConsumerReviews.com Best-In-Class Blue Ribbon Award

LendingTree is the industry leader when it comes to personal loans. While LendingTree does not fund loans itself, it connects you with a wide range of potential lenders so you can easily compare terms and rates. Many of their lenders work with 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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4.5 stars
LendingClub

LENDINGCLUB

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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4.5 stars
SoFi

SOFI

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 definitely a lender to consider if you're looking for a personal loan.

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4 stars
Avant

AVANT

Avant's newer history as a lending platform may make them less attractive to some prospective customers. However, this online lending platform's lack of loan prepayment fees is worth noting, as well as customer service availability 7 days a week. Loans can range from $2,000-$35,000, with funding as soon as the next business day‡. For borrowers looking for a fast turnaround time, Avant may be the ideal choice.

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4 stars
100 Lenders

100 LENDERS

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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3.5 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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3.5 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.

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3.5 stars
Upstart

UPSTART

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

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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.

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3.5 stars
OneMain Financial

ONEMAIN FINANCIAL

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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2 stars
LifeLoans

LIFELOANS

If you're looking for a personal loan directly from a lender, LifeLoans will not be on your list. As a borrower-lender matching service, they specialize in pairing applicants with lending companies – although they can't accept applications for loans from residents of 4 states.

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1 star
Better Loans Mutual

BETTER LOANS MUTUAL

Better Loans Mutual operates as a referral service, matching prospective auto loan customers to lenders. However, with no positive reviews and a discrepancy between the information on the site and at the provided toll-free number, we can't recommend that you provide them with your contact details. We recommend you look at our higher-ranked sources of personal loans.

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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!

I took out a $2,000 personal loan even though I didn't need the money, and it bumped my credit score from 'good' to 'very good'

Initially I worried that taking out a personal loan would complicate my life. However, being strategic about my loan has actually made my life easier.

Published:  Fri, 24 Jan 2020 15:18:00 GMT



Secured personal loans: What you need to know

If the loan isn't paid, the lender can take the asset as a form of payment. The most common types of secured loans are mortgages, vehicle loans, personal loans and secured credit cards. How you plan ...

Published:  Fri, 24 Jan 2020 11:08:00 GMT



Demand for Credit Card and Personal Loan Soars, Defaults Also Rise: Cibil

The ongoing slowdown has hit credit growth in most consumer segments, barring the lending categories of personal loans and credit cards, shows the TransUnion CIBIL's Q3 2019 Industry Insights Report ...

Published:  Mon, 20 Jan 2020 09:42:00 GMT



Does Personal Finance Still Work in Our Changing Economy?

With a financial system so drastically shifting, what can we do about money? Don't buy a car you can't afford. Save 10 percent of your income for retirement. And, for crying out loud, stop throwing ...

Published:  Fri, 24 Jan 2020 11:49:00 GMT



Can you get a personal loan without a credit check?

When it comes to handling money, few of us can claim a perfect track record. Whether it's due to a situation out of your control, such as a job loss, or a lapse in judgment, low credit scores happen ...

Published:  Wed, 22 Jan 2020 11:59:00 GMT



Thinking of consolidating your debt with a personal loan? There might be better options

Personal loans are unsecured debts with a typical term of three to five years. While it's important to always be careful of taking on new debt, they can be part of a savvy financial plan and help save ...

Published:  Thu, 16 Jan 2020 11:01:00 GMT



FICO just updated its credit scores - why that won't help all low-risk customers to get a better loan

The phrase "FICO score' can be applied to a wide range of different scores produced by the company. Every few years, FICO produces a new version of its credit score. New versions of the FICO score are ...

Published:  Fri, 24 Jan 2020 08:35:00 GMT



Personal loans can help consolidate debt

Personal loans are the fastest-growing debt category in the country. The outstanding amount has nearly tripled, growing from $55.3 billion to nearly $160 billion in the last decade. Just as in every ...

Published:  Thu, 23 Jan 2020 13:49:49 GMT



Credit cards and personal loans trebles in five years

Unsecured loans such as credit cards and personal loans have grown at a scorching pace over the past four years. The outstanding loan amount for credit cards stood at a‚¹1.05-lakh crore as of November, ...

Published:  Sat, 25 Jan 2020 01:00:00 GMT



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