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      March 31, 2020

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Personal Loans

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

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Best Personal Loans Better Business Bureau Reliability Seal

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
SoFi

SOFITopConsumerReviews.com 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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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 stars
Upstart

UPSTART

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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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
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!

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HSBC and Lloyds Bank are asking entrepreneurs to put their savings on the line to access government-backed loans of over £250,000.

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Discover Personal Loans Review

Read our detailed Discover personal loans review to learn about the interest rates, terms, fees, loan amounts, and more offered by Discover Bank.

Published:  Thu, 26 Mar 2020 23:23:00 GMT



Can I Get a Personal Loan With Bad Credit?

Bad credit can limit your choices if you want to take out a personal loan or borrow money in any form. You can find personal loans if you have bad credit, but the lower your credit score, the pricier ...

Published:  Tue, 24 Mar 2020 06:58:10 GMT



Personal loans affect your credit - how to maintain a good score

Available from a bank, credit union or online lender, personal loans can be helpful tools. Just like any form of financing, however, they can impact your financial future. Here' ...

Published:  Wed, 25 Mar 2020 09:28:00 GMT



Citizens Bank Personal Loans Review

Read our detailed Citizens Bank personal loans review to learn about the interest rates, terms, fees, loan amounts, and more offered by Citizens Bank.

Published:  Mon, 16 Mar 2020 23:12:00 GMT



5 different types of personal loans you should consider

Personal loans are the fastest-growing type of consumer debt, according to Experian, and perhaps you've considered applying. Personal loans can be an effective way to consolidate your other debt, pay ...

Published:  Tue, 24 Mar 2020 12:20:00 GMT



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