Loans — Money Guids

Upgrade Personal Loans

Upgrade

Personal

APR 7.74–35.99%

Amount $1k–$50k

Term 24–84 mo

Speed ⚡ 1 business day

Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.

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Oportun Personal Loans for Credit Building

Oportun

Personal

APR 19.9–35.95%

Amount $300–$10k

Term 12–48 mo

Speed ⚡ Minutes (prequalification), same-day funding

Best for: This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.

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Achieve Personal Loans for Debt Consolidation

Achieve

Personal

APR 6.25–35.99%

Amount $5k–$50k

Term 24–60 mo

Speed ⚡ 24-72 hours

Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.

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RISE Credit Installment Loans

RISE Credit

Personal

APR 60.0–199.0%

Amount $500–$5k

Term 4–26 mo

Speed ⚡ Next business day

Best for: This service is best for borrowers needing fast funds without the hefty fees of traditional payday loans.

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NetCredit Personal Loans

NetCredit

Personal

APR 34.0–155.0%

Amount $1k–$10k

Term 6–60 mo

Speed ⚡ Next business day

Best for: This service is best for individuals needing immediate financial assistance and who may have trouble qualifying with other lenders.

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OppLoans Personal Loans

OppLoans

Personal

APR 59.0–199.0%

Amount $500–$4k

Term 9–18 mo

Speed ⚡ Same day

Best for: This service is best for individuals who need emergency cash and may struggle to get approved by traditional lenders.

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Citizens Personal Loans

Citizens Bank

Personal

APR 7.49–22.44%

Amount $5k–$50k

Term 36–84 mo

Best for: These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.

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Best Egg Personal Loans

Best Egg

Personal

APR 6.99–35.99%

Amount $2k–$50k

Term 36–60 mo

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Wells Fargo Personal Loans

Wells Fargo

Personal

APR 6.74–24.49%

Amount $3k–$100k

Term 12–84 mo

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Affirm Pay Over Time

Affirm

Personal

APR —

Amount $50–$17.5k

Term 3–60 mo

Best for: This service is best for those seeking interest-free payment options and a straightforward repayment process without hidden fees.

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Discover Personal Loans

Discover

Personal

APR 7.99–24.99%

Amount $2.5k–$40k

Term 36–84 mo

Best for: These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.

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Alliant Credit Union Personal Loans

Alliant Credit Union

Personal

APR 6.75–16.0%

Amount $1k–$50k

Term 12–60 mo

Best for: These loans are ideal for individuals looking for low-interest rates and no hidden fees, especially if they have a credit score of 640 or higher.

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Avant Personal Loans

Avant

Personal

APR 9.95–35.99%

Amount $2k–$35k

Term 24–60 mo

Best for: This service is best for individuals looking for quick access to funds for personal expenses, such as medical bills or home improvements.

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PenFed Credit Union Personal Loans

PenFed Credit Union

Personal

APR 6.09–17.99%

Amount $600–$50k

Term 12–60 mo

Best for: These loans are best for individuals looking for amounts between $600 and $50,000 without any origination fees and a straightforward application process.

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Happy Money Personal Loans

Happy Money

Personal

APR 7.95–35.99%

Amount $5k–$40k

Term 24–60 mo

Best for: This loan is best for individuals seeking to lower their interest rates and improve their financial health through debt consolidation.

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Payoff Credit Card Payoff Loan

Happy Money

Personal

APR 7.95–35.99%

Amount $5k–$40k

Term 24–60 mo

Best for: This loan is best for individuals with a credit score of 640 or higher who are seeking to simplify their payments and save on interest.

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Navy Federal Credit Union Personal Loans

Navy Federal Credit Union

Personal

APR 8.99–18.0%

Amount $250–$50k

Term 6–180 mo

Best for: These loans are best for military personnel and their families seeking flexible financing options without origination fees.

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SoFi Personal Loan

SoFi

Personal

APR 7.74–35.49%

Amount $5k–$100k

Term 24–84 mo

Best for: This loan is best for borrowers looking for larger amounts, ranging from $5,000 to $100,000, without the burden of origination fees or prepayment penalties.

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Marcus by Goldman Sachs Personal Loan

Marcus by Goldman Sachs

Personal

APR 8.99–29.99%

Amount $3.5k–$40k

Term 36–72 mo

Best for: This loan is best for those seeking a flexible borrowing option without the burden of added fees, especially for amounts between $3,500 and $40,000.

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