Top 10 Companies for the Best Online Personal Loans

Trying to figure out how to get the best unsecured personal loan online? Find out how below!

There are a lot of reasons why you might want to apply for a personal loan. From wanting to renovate your home to having to buy a new car, personal loans are a relatively easy way to access additional cash when you need it. They also tend to offer much more attractive interest rates compared to using credit cards for these types of expenses.
But if you’ve never applied for a personal loan before, you might be worried that the process will be difficult, time consuming, or confusing. To help you navigate applying for an unsecured personal loan, we made this quick guide.
1# Citizens Bank
Citizens Bank is a financial services company that offers a very wide range of financial products, including traditional savings and checking accounts, student loans, mortgages, and some of the best personal loans. Unlike many other well-known online lenders, Citizens Bank has a great many physical locations throughout the country. In fact, they are the 13th largest retail bank in the United States. Their website offers an easy online application process that is able to approve borrowers for personal loans without requiring them to come in to a physical branch location of Citizens Bank. It is definitely one of the best personal loan companies available today.

Citizens Bank Benefits

Citizens Bank does state that it charges no origination, application, disbursement fees, or prepayment penalties. There are interest rate reductions for auto-payment through a Citizens Bank checking or savings account, and for customers using auto-pay.
Citizens Bank also has an app for smartphone users. One helpful option available through Citizens Bank that isn’t often available through other online personal loan lenders is the ability to obtain a co-signer. If a potential borrower applies and is rejected, they can reapply with a well-qualified co-signer. Citizens Bank will issue the personal loan using only the credit score of the well-qualified co-signer, which also saves the primary borrower money through a reduced interest rate.
  • ​Unsecured loans available from $5,000 to as much as $50,000
  • APR rates from 5.99% to 16.24% on personal loans
  • Terms vary from 36 to 84 months
  • Physical branch locations available
  • No origination, application, or disbursement fees
  • Does not offer much guidance on approval standards or post a minimum score requirement
  • Online applications and online management of loans
  • Ability to use a co-signer
  • Smartphone app

2# SoFi

Since beginning in 2011, SoFi (or Social Finance) has grown into one of the best loan companies in the nation. The online lender covers many different types of loans in different industries; for instance, home mortgages, parent financing, personal loans, student loan refinancing, and mortgage refinancing all fall under the SoFi umbrella. One of these services, unsecured loans, competes well by offering competitive interest rates and terms to a wide variety of applicants. Out of all of the personal loan companies that we have reviewed, we have chosen SoFi as one of the best.
  • Variable rates as low as 5.17%
  • Take out a loan as low as $5,000
  • Qualify for a loan as much as $100,000
  • Fixed rates as low as 5.49%
  • No application or origination fee
  • No prepayment penalty
  • Unemployment protection is available

SoFi Benefits

There are several aspects of SoFi and its unsecured personal loans that are beneficial to potential borrowers. The first thing to mention is flexibility. SoFi has the most flexible APR package by offering both variable and fixed personal loan rates. Many other online lenders only offer fixed rates on its loans. On top of this flexibility, SoFi has some of the lowest personal loan rates compared to other lenders. SoFi is one of the best places to apply online in 2018!
Another unique aspect of a SoFi unemployment protection. If a borrower loses their job and source of income, then they are eligible for this protection. SoFi temporarily halts payments until the borrower can find a new job; additionally, SoFi even helps its customers find new opportunities in the workplace.
SoFi also offers the auto pay options to borrowers, so they can make each monthly payment without having to go through any trouble.
One last benefit to mention is the application process. Since SoFi makes its name as an online lending platform, it is only natural that its online application takes only a few minutes.

Bottom Line

SoFi offers unsecured financing with a few unique aspects compared to other lenders. There are both good aspects and limitations to its unsecured loans. If you are considering SoFi for an unsecured personal loan, then here are a few pointers to keep in mind.
  • Both variable and fixed APRs are available
  • There is a $5,000 minimum for unsecured financing
  • You can get a loan of up to $100,000
  • There are five payment plans (3, 4, 5, 6 or 7 years) of moderate length
  • There is no prepayment penalty
  • The application process is completely free
  • SoFi utilizes a credit score-based underwriting system
  • Offer the best personal loans available

3# Prosper

Prosper is a peer-to-peer (P2P) marketplace lending platform operating exclusively online, which has to date facilitated more than $9 billion in loans. It was the first large-scale P2P online marketplace lending platform, and in some ways paved the way for future P2P lending platforms to enter the marketplace. These days, Prosper offers loans for a variety of purposes, including debt consolidation and healthcare financing. All loans through Prosper remain unsecured, no matter the designated purpose.
  • Easy online application
  • Low interest rate
  • Single monthly payment
  • Checking your rate won't affect your credit score

The Basics

A personal loan through Prosper could be as low as $2,000 or as high as $35,000, and is always unsecured. The minimum credit score requirement for a loan is currently 640. Prosper offers only fixed-rate loans. Much like its main competitor, LendingClub, Prosper uses a proprietary formula to gauge how risky a borrower is and assign an interest rate based on that assessment. Borrowers should expect to have their credit score, credit report, income, and debt-to-ratio examined, but all the factors that go into an assessment by Prosper aren’t publicly known.
Annual percentage rates (APR) available through Prosper vary from a low of 5.99% to a high of 36.00%, depending upon the borrower, and Prosper offers 36 and 60 month loan terms.** Like many other P2P marketplace lending platforms, the company makes its money by charging investors an annual servicing fee of 1% and charging the originating bank a marketing fee associated with each originated loan.

Prosper Benefits

Applying through Prosper is easy, and done 100% online. In fact, its website allows borrowers to get an idea of whether they qualify without an impact to their credit score. By entering general information such as the desired loan amount, loan purpose, and rough credit score, Prosper will tell a prospective applicant whether they are likely to get a loan approved, all without impacting their credit score. Of course, a full credit check is still required for a final decision, but this is a helpful way for those shopping for a loan to find out whether Prosper is a likely fit for them.
With Prosper, borrowers never pay a prepayment penalty.

Bottom Line

Prosper is offering unsecured loans for almost any purpose, and it’s possible for borrowers to save a lot of money by using a loan through Prosper to consolidate debt or avoid higher-interest options. Here is a summary of what you can expect:
  • Unsecured loans from $2,000 to $35,000
  • Fixed interest rate loans only
  • Borrowers are assigned a proprietary Prosper score that judges their risk factors
  • No hidden fees, and a one-time origination fee to borrowers
  • Fixed APR from 5.99% - 36.00%
  • Easy online application
  • Minimum credit score of 640
  • Better rates going to more creditworthy borrowers
  • No joint loan applications

4# Upgrade

Upgrade is a personal loan lender based in San Francisco which launched in April 2017. While the company hasn't been around for very long, two members of the founding team, Soul Htite and Renaud Laplanche, previously co-founded Lending Club, the popular peer-to-peer personal lender.
Lending Club is one of the top online personal lenders serving over 2 million U.S. customers and giving out over $28 billion in loans so far. Upgrade is slightly different in that it targets borrowers who don’t have ideal credit and the company gives out the loans themselves.
  • Minimum credit score of 620
  • Take out a loan as low as $1,000
  • Qualify for a loan as much as $50,000
  • Rates as low as 5.66%
  • No prepayment penalty
  • Credit monitoring tool

The Basics

If you’re interested in getting a loan from Upgrade and your credit isn’t perfect – you’re in luck. Upgrade’s minimum credit score is 620 although their borrowers’ average credit score is 675. They also use alternative underwriting criteria, which means that they look at things outside just your credit score and income to make lending decisions. One of those things is your free cash flow. Upgrade requires that you have at least $1,000 left over each month after you pay all your bills.
Free cash flow is different than just your income because it looks at things like how much you pay in rent or for your mortgage, how much you pay in taxes, and the average cost of living where you live. That means that it will likely require that you make more in order to qualify for a loan if you live in an expensive city than if you live in a cheap rural area.
Upgrade makes loans of between $1,000 and $50,000 and their term lengths are either 36 or 60 months. How much you will pay in interest will depend on your personal financial situation, but their typical APR is between 5.66% and 35.97%. Upgrade charges a fixed interest rate over the life of your loan. They have a very quick application and it typically takes a day to get your cash after you verify your income and financials. They have no prepayment penalties.
Upgrade has a number of unique programs for borrowers. For example, they provide a payment reduction option for people experiencing financial emergencies. They will temporarily or permanently modify your monthly payments. They also have programs that help you improve your credit including a credit score simulator and a credit monitoring tool. They also offer these tools to help people improve their credit score if they don’t currently qualify for an Upgrade personal loan.
Upgrade loans are currently not available in Connecticut, Colorado, Iowa, Massachusetts, Vermont, or West Virginia.

Upgrade Benefits

Upgrade personal loans could be a good choice for those who have bad credit. By looking at alternative lending criteria other than just your income and your credit score, they provide an opportunity for people who might not have ideal credit to borrow money or get a more favorable rate.
They also specifically go out of their way to try to make it easier for people to repay their loans if they struggle by offering to reduce their payments if they experience a financial crisis. They also allow you to decide when your monthly payment due date is in order to ensure that it's at a time for that works best for you. Another benefit of Upgrade is that they help you build your credit score whether or not you qualify for an Upgrade Personal Loan.

Bottom Line

Upgrade personal loans are a good option you don't have great credit as they might be more likely to lend to you at a lower interest rate than other lenders because they use different criteria to make lending decisions. They also have a number of different programs that will help people who struggle with their debt. They also offer loans for as little as $1,000 to as much as $50,000 – which allows borrowers to borrow just what they need. However, Upgrade offers only two term lengths – which isn’t as many options as other lenders.
Whether Upgrade personal loans is the best personal loan option for you will likely depend on what kind of rate that you qualify for. Some of their personal loan rates are actually quite expensive, and it might not make sense to pay such a high interest rate when you could potentially qualify for a lower interest rates with another lender.

5# Freedom Plus
Freedom Plus Personal Loans is an online lender that looks at more than just your credit score when making lending decisions. The company is based in San Mateo, California and their loans are made by Cross River Bank. The company was founded in 2013 though their parent company Freedom Financial Network started making online loans in 2008.
  • Take out a loan as low as $10,000
  • Qualify for a loan as much as $35,000
  • Rates as low as 4.99%
  • Simple online application
  • Loan decision in as little as 2 - 3 hours

The Basics

Freedom Plus Personal Loans focusses on lending to those whose credit score is at least 640 - although the average score of Freedom Plus borrowers is 720. To qualify, you also have to earn at least $30,000 a year and have a debt-to-income ratio as of under 40%, although the average debt income ratio of borrowers is closer to 20%.
Freedom Plus Personal Loans offers loans of between $10,000 and $35,000 for term lengths of between 2 to 5 years. Their interest rates start at just 4.99% APR and go up to 29.99% APR. They charge an origination fee of anywhere between 0% and 5%, depending on which state you live in. They have a very simple online application to fill out and they have no hidden fees.
While they decide who to lend to based primarily on traditional lending criteria like your credit score and income, they look at other criteria to set your interest rate. Like with many other lenders, you get a discount if you have a co-signer on your account. But they also have an interest rate discount for those who have a minimum of $40,000 in retirement assets. If you have at least that amount, your interest rate could drop by 2% to 4% - a significant difference! They also provide a discount on your rate if you use at least 50% of the amount of your loan to pay down existing debt.
They make loan decisions quickly potentially responding to you within anywhere from 2 to 3 hours. Once you accept the loan and complete the paperwork, you can get money within 48 hours.

Freedom Plus Benefits

Some of the benefits of choosing Freedom Plus include their very quick online application and fast approvals. If you need money quickly, Freedom Plus Personal Loans is a good lender to approach. They make the lending process very easy.
The fact that they also have some unique discounts for borrowers is also a benefit. These discounts are connected to factors that they have found increases a borrower’s likelihood to repay their loans and therefore they are willing to pass those savings on. That could significantly decrease the amount you pay in comparison to another lender. For that reason, they might be a good option for you.
Another great thing about Freedom Plus is that they have a relatively low cut off credit score and minimum annual income. This means that more people will potentially qualify for a loan with Freedom Plus.

Bottom Line

From their extremely quick online application to the fact that you can get discounts based on being financially responsible, Freedom Plus could be a great lender for those who are hoping to find a bank to lend to them who will look past their credit score and give them a good rate anyways.
Some of the downsides of Freedom Plus loans are that the top end of their interest rate spectrum is quite high at 29.99%. In addition, they charge an origination fee which can be as high as 5%, which is a significant amount. In addition, they do not offer very flexible loan amounts. The lowest amount you can borrow is $10,000, which is a significance amount and more than some people might want to borrow. For these reasons, another lender might be a better choice.

6# Upstart

Upstart found its start recently in 2012 when ex-Google employees decided to create a tech-lending platform. Upstart is unique because it incorporates a peer-to-peer lending system which breaks from traditional companies. Peer-to-peer lending means anyone can invest in a loan application, so this means that borrowers are funded by multiple individual investors instead of Upstart itself. The tech peer-to-peer lender specializes in unsecured personal loans which is its main product. With great rates and benefits, Upstart lands in the 4th spot of our best personal loan companies.
  • Rates as low as 6.37% for fixed rates
  • Qualify for loans between $1,000 and $50,000
  • Choose between payment plans of 3 or 5 years
  • Zero application or pre-payment fees

Finding the right personal loan can be daunting because of the wide array of requirements by different lenders. Instead of applying individually with many different companies, a site such as uses a proprietary screening process to take a single borrower’s information and use it to find potential lenders which are good matches. then refers the applicant to the lenders most likely to give an approval, saving time for the applicant and helping them avoid having too many hard inquiries on their credit report.

The Basics is not itself a lending institution, which means it does not advertise or offer APRs on its website. However, the lenders it works with currently offer APRs between a low of 5.99% and a high of 35.99%. The APR a borrower qualifies for is dependent upon the borrower’s creditworthiness and the particular lender’s requirements and APR offerings. In addition, the company matches an applicant to loans within the range of $500 to $35,000.
Once an applicant submits information through the website’s easy three-step process, will come up with several matches from its lender network. Once successfully connected, borrowers can receive their money in as little as a single business day and have between 6 to 72 months to repay the personal loan. In order to be referred to a lender through, an applicant must have a regular income, and most lenders also require a checking account. Benefits

For applicants who have less than stellar credit and won’t have a high approval rate across all lenders out there, using can save stress and time. Instead of applying individually with lenders out of the blue, applicants who use can think of it as a sort of screening tool. It will let applicants know ahead of time where their best bet for approval is, and then facilitate the application process between the applicant and different lenders. The three-step process on is easy and doesn’t take the average applicant much time. It’s also great that the website does not cause any hard pulls on the applicant’s credit score. Until they actually apply with a lender, does only a soft pull in order to help identify the best lender matches.

Bottom Line is an excellent tool for those seeking a personal loan who are unsure of where to start. Its unique and proprietary process will help to weed out lenders whose qualifications don’t match a potential borrower’s income and credit score. An applicant has nothing to lose by giving a try since using the service is totally free to the applicant. Here are some of the benefits of using
  • Screens different lenders and identifies an applicant’s best matches
  • ​Partners with lenders offering loans between $500 - $35,000
  • ​Low minimum income and credit requirements with many partner lenders
  • ​All partner lenders accept electronic payments
  • ​Partner lenders offer many different types of loans, including peer-to-peer, personal installment, and bank personal loans
  • ​Easy, three-step process
  • Free!

7# Earnest

Earnest started up in 2013 and developed into an online lending marketplace that offers both student loan refinancing and some of the best personal loans. Since it specializes in online servicing and convenience, Earnest is an attractive site with easy to understand resources and services. It has one of the fastest application and approval notification processes in the market which makes it more competitive as a whole. Earnest is a well-respected and trusted company that you can't go wrong with choosing.

The Basics

Earnest does not break away from any trends as far as its offers are involved. Borrowers can apply to Earnest for unsecured personal loans ranging from $2,000 all the way to $50,000. Earnest offers both small personal loans as well as decently large ones, allowing them to serve a wide variety of customers.
Only fixed annual percentage rates are offered by Earnest, but they are low and competitive. The lowest possible APR is 5.25% while the highest fixed APR is up to 14.24%. These are some of the best personal loan rates in the industry!
There are only a few payment plans without much flexibility; these plans limit Earnest to short term financing. Borrowers can decide between repayment plans of either one, two, or three years.
No hidden fees are present in the Earnest online application process. This includes application fees or origination fees which is standard for most of the best personal loan lenders. On top of this, paying off a debt early does not warrant a prepayment penalty fee.

Earnest Benefits

Earnest boasts a quick approval and disbursement process; in fact, online applicants can hear a decision within two days of submitting the application. This is especially helpful for borrowers in need of quick cash.
Possibly one of the most beneficial aspects of an Earnest is the underwriting system. Earnest underwrites its products based on extra data in addition to credit score and history. This extra data includes job history, earning potential, future income potential, saving patterns, and growth potential. This information helps Earnest make date-driven decisions on loan approval, and it improves an applicant’s chances of getting one of the best unsecured loan.
Earnest offers a mobile app that makes it easy for borrowers to monitor your repayment From the app, borrowers can check the principal loan balance, the next payment due date, and they can set up automatic payments (another perk of Earnest).

Bottom Line

Just like any lender, Earnest has both positives and negatives when it comes to its unsecured loans and offers. Borrowers who are looking for quick financial help should consider these points.
  • Application approval notice within 2 business days
  • ​Data driven underwriting process (not just credit score)
  • ​Possible borrowing ranges of $2,000 to $50,000
  • Fixed APR range of 5.25% to 12.99%
  • ​Short payment plan options: 1, 2, or 3 years
  • ​No prepayment penalty
  • ​No origination fee
  • Convenient mobile app

8# LightStream

LightStream is a division of SunTrust Bank, which has existed in some form or another since the early 1890s, long before online lending took off. These days, LightStream exclusively makes online personal loans at competitive interest rates. Its website boasts “Loans for Practically Anything” and online reviewers agree. The only significant categories unavailable are business loans, post-secondary education, and the refinancing of existing LightStream loans. LightStream's offerings land it in the 5th spot of our best personal loan lenders.
  • Rates as low as 2.49%* APR w/ AutoPay
  • Qualify for loans between $5,000 and $100,000
  • Choose between payment plans of 2 to 7 years*
  • Zero application, origination, or pre-payment fees

LightStream Benefits

LightStream advertises that they charge no fees. This means no origination or servicing fees, and no prepayment penalty. By signing up for autopay, borrowers can save a hefty half a percentage point in interest each month, which can save a lot of money over the life of the loan.
Since the application process is entirely online, borrowers don’t have to travel to a physical branch of LightStream’s parent company, SunTrust Bank, to fill out an application. And the company’s Rate Beat Program will beat a competitor’s published rate by 0.10% if certain conditions are met For borrowers who qualify, LightStream has it all – competitive rates, long loan terms, and a huge variety of approved loan purposes.

Bottom Line

LightStream doesn’t publish a minimum credit score requirement, and this combined with their emphasis on well-qualified borrowers makes them unlikely to be a good choice for those seeking a debt consolidation loan on high-interest cards or wanting to raise their credit score. However, their very low rates make them a competitive choice for the most qualified borrowers. Here is a summary of what you can expect:
  • Unsecured loans available from $5,000 to as much as $100,000
  • APR ranges from 2.49% - 17.49%* APR w/AutoPay, or slightly higher with no autopay feature
  • Loan terms from 24 - 84 months*
  • No origination fees
  • No prepayment penalties
  • Very low advertised rates for well-qualified borrowers
  • Rate Beat Program available

9# LendingClub

Peer-to-peer lending has been gaining a lot of traction in the online lending marketplace in recent years, and perhaps no lender is better known for this than LendingClub. Often abbreviated as P2P lending, this type of lending involves individual investors making loans to individual borrowers, and consequentially assuming some or all of the risk of non-payment on the loans.
LendingClub is headquartered in San Francisco, California, but connects borrowers and investors across the United States through its online-only lending platform. Only borrowers in Iowa and West Virginia are ineligible to apply, based upon state laws. The majority of loans facilitated by LendingClub are unsecured personal loans used by borrowers to consolidate debt and pay off higher-interest credit cards, although personal loans can be used for almost any purpose. LendingClub now makes auto loans and small business loans, too. As a unique company with unique offerings, LendingClub lands 7th on our top personal loan companies list.
  • Fixed rates as low as 5.99%
  • Qualify for loans between $1,000 and $40,000
  • Choose payment plans up to 5 years
  • Zero application or pre-payment fees

The Basics

Borrowers who sign up with LendingClub can borrow as little as $1,000 or as much as $40,000 in an unsecured loan, and the APR varies wildly based upon how risky LendingClub considers the borrower. At the time of approval, borrowers are assigned a risk grade between A and G, with an A grade being the safest borrower. APR for the most well-qualified borrowers is currently as low as 5.99%, while those deemed risky by LendingClub could expect to pay as much as 35.89%. This is a large range and your creditworthiness will determine if you qualify for the best rates.
Currently, LendingClub is accepting borrowers with credit scores as low as 600, although they look beyond credit score and also check an applicant’s credit report, calculate their debt-to-income ratio, and consider other factors. In turn, investors get to pick and choose whether they want to invest with a risky borrower and earn a higher rate of return, or invest with a safer borrower with a lower rate. LendingClub makes its money by charging borrowers an origination fee and investors a servicing fee.
Loan terms are available up to 60 months, and LendingClub never charges a prepayment penalty for paying off a loan early. It also allows joint loan applications.

Payoff Benefits

One of the best things about using LendingClub is that borrowers can apply for and manage their loan completely online. The website interface for LendingClub is known for being user-friendly, which makes sense considering all of its business is conducted through the website. LendingClub does not yet have an app for borrowers to track their accounts on the go, but borrowers can log in to their accounts using the browser on their smartphones.

Bottom Line

LendingClub is a great non-traditional choice for borrowers to obtain an unsecured personal loan, particularly for debt consolidation purposes. Here is a summary of what you can expect:
  • Unsecured loans from $1,000 to $40,000
  • Fixed-rate loans with easy to understand terms
  • Borrowers are assessed and assigned a risk grade at application
  • Origination fees that differ according to risk grade
  • Fixed APR from 5.99% - 35.89%
  • Credit score minimum of 600, but with better rates going to well-qualified borrowers
  • Easy online interface
  • Loan terms up to 60 months, with no prepayment penalties
  • Allows joint loan applications

10# Payoff

Founded in 2009 and based in Costa Mesa, California, Payoff is a peer-to-peer (P2P) online lender that focuses on helping its borrowers consolidate and get rid of credit card debt. The company begun as an online portal that incorporated social media aspects to encourage and support people paying off their credit cards, and has evolved into a true P2P lender connecting investors with borrowers. One thing that sets Payoff apart from many other P2P online lenders is the fact that Payoff focuses exclusively on debt consolidation loans. To date, the company has helped refinance more than $100 million in credit card debt for its borrowers. Thought it is ranked 6th, Payoff is a great personal loan lender who deserves your consideration.
  • Rates as low as 8.00% for fixed rates
  • Qualify for loans between $5,000 and $35,000
  • Choose payment plans from 2 to 5 years
  • Zero application or pre-payment fees

The Basics

A borrower with Payoff can expect a Fixed APR between 8.00%25.00%, with actual interest rates between 5.94% - 22.60%. No variable rates are available. Available loan terms come as short as 24 months or as long as 60 months, and amounts available range from a minimum of $5,000 to a maximum of $35,000. If you need a very small personal loan, you may have to look elsewhere.
Payoff’s origination fees vary according to loan term, as opposed to the creditworthiness of the borrower. Expect to pay an origination fee of 2%, 3%, 4%, or 5% depending upon whether the length of the loan is 24, 36, 48, or 60 months, respectively. The good news is, the origination fee is all that the borrower pays other than interest. Payoff states that they have eliminated all other common fees, including application fees, late fees, and prepayment fees from their loans.
According to a study of Payoff users between March and July 2016, the average borrower saw a 40 point uptick in their FICO score within two months of receiving a Payoff Loan if they used it to pay off at least $5,000 in credit card debt. The minimum FICO score required by Payoff is 660, which makes it one of the P2P companies with the highest minimum score requirement.

Payoff Benefits

Payoff has favorable reviews online from their borrowers, and is one of the more flexible P2P lenders. They’ve also eliminated late fees. If you experience a sudden financial hardship, such as unexpected job loss, Payoff claims it will work with you to adjust your payments and avoid defaulting on your Payoff loan. Not only that, Payoff offers extra services such as resume review and interview advice.
They also offer a streamlined application process that allows prospective borrowers to link their bank accounts to Payoff instead of independently uploading supporting documents for proof of income and resources. Payoff borrowers receive free monthly FICO score updates to help them stay on top of their credit score as they pay off their loan.

Bottom Line

Payoff offers some services other P2P lenders can’t match, such as flexible payments during job loss, but is more limited than most other P2P lenders because it only offers personal loans for the purpose of credit card debt consolidation. Here is a summary of what you can expect:
  • Unsecured loans from $5,000 to $35,000
  • Loan purpose is limited to debt consolidation
  • Fixed interest rates only
  • Easy application process
  • Origination fees that vary according to length of loan term
  • APR from 8.00% - 25.00%
  • Credit score minimum of 660
  • Loan terms up to 60 months
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