Best for good credit
Top pick
Best for no fees + $300 bonus
$300 welcome bonus
Best for fair credit
Low fixed rates
Best for bad credit
AI-powered approval
Best for debt relief
Debt reliefA closer look at each lender
LendingClub lets you borrow $1,000 to $60,000 with fixed rates starting at 6.53% APR. Most loans are funded within 24 hours, and there are no prepayment penalties if you want to pay it off early. You'll need a credit score of at least 600 to qualify. One thing to note: origination fees range from 0% to 8% depending on your credit profile, but LendingClub makes up for it with some of the lowest fixed rates available. If you have good credit and want predictable monthly payments, LendingClub is hard to beat.
Check Your Rate at LendingClub →
SoFi lets you borrow $5,000 to $100,000 with zero fees. No origination fee, no late fees, no prepayment penalties. APRs range from 8.99% to 29.99%, and you could get funded the same day you apply. You'll need a credit score of at least 650 and $45,000 in annual income to qualify. Right now SoFi is offering a $300 welcome bonus just for taking out a personal loan. They also offer unemployment protection, meaning they'll pause your payments if you lose your job. If you have good credit and want the lowest total cost, SoFi is the one to beat.
Get $300 Bonus at SoFi →
Upgrade offers loans from $1,000 to $75,000 for debt consolidation, home projects, medical bills, or anything else. They look at more than your credit score, so approval is more accessible if your credit is fair. Loan terms run 2 to 7 years with APRs from 9.99% to 35.99%. There is an origination fee of 1.85% to 9.99%, so factor that into the total cost. One standout feature: Upgrade can pay your creditors directly if you're consolidating debt, which keeps things simple. If you have fair credit and need flexible loan amounts, Upgrade is worth checking your rate.
Check Your Rate at Upgrade →
Upstart uses AI to look beyond your credit score, considering your education and job history to determine your rate. That means you can get approved with a score as low as 300. Loans range from $1,000 to $50,000, and most are funded by the next business day. The application takes a few minutes with an instant decision in most cases. APRs range from 7.80% to 35.99%, and origination fees can be 0% to 12%. If your credit isn't great but you have a steady income and solid work history, Upstart gives you the best shot at getting approved.
Check Your Rate at Upstart →
National Debt Relief doesn't give you a loan. They negotiate with your creditors to reduce what you owe by 30% to 50%. There are no upfront fees, and you only pay if they successfully settle your debt. Most clients are debt-free within 24 to 48 months. You'll need at least $10,000 in unsecured debt to qualify. They're A+ rated with the BBB and have resolved over $5 billion in debt. If you owe more than you can realistically pay back, this is the smarter move before taking on another loan.
Get Free Debt Analysis →Still not sure which lender is right?
Pick the one that fits your credit score. Checking your rate takes 2 minutes and won't hurt your score.
Checking a rate through us generates a soft inquiry on a person's credit report, which does not impact that person's credit score. A hard credit inquiry, which may affect that person's credit score, only appears on the person's credit report if and when a loan is issued to the person.
A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,658 for a term of 36 months, with an interest rate of 13.24% and a 6.00% origination fee of $1,179 for an APR of 17.63%. In this example, the borrower will receive $18,479 and will make 36 monthly payments of $665. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states.
For Personal Loans, APR ranges from 6.53% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of January 7, 2026 and are subject to change without notice.
Loans are made by LendingClub Bank, N.A., Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment. “LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.
LendingClub Bank is not an affiliate of My Millennial Guide, which is an unrelated third party. LendingClub Bank is not responsible for any products and services provided by this third party, which may receive compensation if you visit LendingClub Bank's websites or use any of its products or services. Certain information that LendingClub Bank subsequently obtains as part of the application process (including but not limited to information in your consumer report, your income, the loan amount that you request, the purpose of your loan, and qualifying debt) will be considered and could affect your ability to obtain a loan. Loan closing is contingent on accepting all required agreements and disclosures.
Between October 1, 2025 to December 31, 2025, 51% of Personal Loans issued by LendingClub Bank were approved within 1 hour, on average. Loan approval, and the time it takes to issue a credit decision, are not guaranteed, and individual results vary based on creditworthiness and other factors.
