See rate disclosures and lender details from our marketing partners below or view the full product experience on our site. Disclosures are valid as of 5/1/2023 and may change without advance notice.
Achieve Personal Loans
*All loans available through Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank (a New Jersey state chartered commercial bank) or Pathward, N.A. (Equal Housing Lenders) and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Minimum loan amounts vary due to state-specific legal restrictions – please call an Achieve Personal Loans consultant for further details. Loan amounts generally range from $5,000 to $50,000 including origination fees, and are offered based on loan purpose and underwriting conditions. Repayment periods range from 24 to 60 months. APRs range from 7.99% to 29.99% APR and include applicable origination fees. Example loan: four-year $20,000 loan with a rate of 15.49% and corresponding APR of 18.34%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount for $12,000.00 or less, and a term of 24 months. Loan origination fees vary from 1.99% to 6.99%. Adding a co-borrower with sufficient income; using at least 85% of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could also help you qualify for lower rates. Average interest savings for personal loans range from 0% – 6% based on closed loans that qualified for one or more of our rate discounts in July 2022. †Times noted are estimates and can vary for a loan request from Achieve Personal Loans (NMLS #227977). Same day approvals assume that a fully completed application with all required supporting documentation is provided early enough on a day that our offices are open. Achieve Personal Loans consultants are available Monday–Friday 6AM to 8PM MST and Saturday–Sunday 7AM to 4PM MST.
Avant
Customers who have a financial product through Avant are not eligible for this offer. Avant branded credit products are issued by WebBank. Your loan terms are not guaranteed and are subject to verification of identity and credit information. If approved, the actual rate and loan amount you qualify for may vary based on credit determination, income, and other factors. An administration fee of 4.75% will be deducted from the loan proceeds. For example, a $5700 loan with an administration fee of 4.75% and an amount financed of $5429.25 would have an APR of 29.95% and monthly payments of $230.33. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday.
Best Egg
*Trustpilot TrustScore as of June 2020. By continuing, you agree that your application information will be shared with Credit Karma. Best Egg personal loans, including the Best Egg Secured Loan, are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. “Best Egg” is a trademark of Marlette Holdings, Inc., a Delaware corporation. All uses of “Best Egg” refer to “the Best Egg personal loan”, “the Best Egg Secured Loan”, and/or “Best Egg on behalf of Cross River Bank or Blue Ridge Bank, as originator of the Best Egg personal loan,” as applicable. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500; New Mexico and Ohio, $5,000; and Georgia, $3,000. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories.
Discover Personal Loans
*This is not a commitment to lend from Discover Personal Loans and the presented loan terms and APR are not guaranteed. Your loan approval or decline and APR will be determined after you submit an application that may affect your credit score, and will be based on our review and verification of your application information, credit history and information provided by your employer, bank, credit bureaus, and others. Your APR will be between 6.99%-24.99% based upon creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 12.99% APR for a term of 72 months, you’ll pay just $301 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information, loan purpose, verifiable income and the term you select. Not all applications will be approved. This offer is limited to you and cannot be shared. Discover makes loans without regard to race, color, religion, national origin, sex, disability, or familial status. Discover Personal Loans are made by Discover Bank, member FDIC.
Eloan Personal Loan
*Rates from 8.99% up to 21.49% APR. Your APR will be determined based or your risk score and credit history. Loans start from $2,000 up to $5,000. Subject to credit approval and meeting the parameters set forth by Banco Popular de Puerto Rico (“Banco Popular”). Eloan is a Division of Banco Popular de Puerto Rico. This offer applies to personal loans without collateral. Offer subject to presenting evidence and verification of acceptable income to Banco Popular. Banco Popular may deny your application if you do not meet the parameters and the established conditions. Other terms and conditions may apply. If the applicant is a covered borrower according to the definitions of Military Lending Act, the availability of this option is subject to the provisions of said law.
**Funds are generally deposited via ACH for delivery next business day if verification is completed and final approval occurs by 3:00pm CT Monday-Friday. Approval process may take longer if additional documents are requested as part of the verification process. Verification process may vary by customer.
Integra Credit Online Personal Loan
The loan offers presented on Credit Karma are not guaranteed offers and do not represent a commitment of credit. You must visit the Integra Credit website and complete a loan application prior to receiving any credit offers. You may also be required to submit additional verification of your income, assets, and financial condition prior to being eligible to receive a final credit offer, including the final interest rate and terms that we have approved you for. The interest rate and terms will be provided to your prior to you signing any loan agreement. You must read all terms, conditions, and requirements on the Integra Credit Website and in any loan agreement and disclosures prior to agreeing to the terms of any offer we make to you. Integra Credit is not an affiliate of Credit Karma.
LendingClub
*¹Between April 2022 and June 2022, Personal Loans issued by LendingClub Bank were funded within 44 hours after loan approval, on average. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand.
² Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history.
A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $16,980 for a term of 36 months, with an interest rate of 13.49% and a 6.00% origination fee of $1,019, for an APR of 17.89%. In this example, the borrower will receive $15,961 and will make 36 monthly payments of $576. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states.
For Personal Loans, APR ranges from 8.30% to 36.00% and origination fee ranges from 3.00% to 6.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2022 and are subject to change without notice.
Loans are made by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. LendingClub Bank is not an affiliate of Credit Karma, LLC which is an unrelated third party (“third party”). LendingClub Bank is not responsible for any products and services provided by this third party and may receive compensation if you visit the third party’s websites or use any of its products or services. Credit eligibility is not guaranteed. Loans are subject to credit approval and may be subject to sufficient investor commitment before they can be funded or issued. 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 your 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 at Lendingclub.com. “LendingClub” is a trademark of LendingClub Bank.
LendingPoint
*Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 8% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $2,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a $10,000 loan for a period of 48 months with an APR of 24.90% and origination fee of 8% will have a payment of $331.01 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
Lendmark Financial
All loans are subject to final credit approval and our normal underwriting standards, which include assessing the sufficiency of your income. Not all applicants will be approved, and this is not a commitment to lend. Minimum or maximum loan amounts, rates, loan fees and terms will vary and are subject to applicable state law requirements depending on your state of residence at the time of loan application. You may be required to pledge collateral. On secured loans, Lendmark will require a first lien on a motor vehicle that meets our value requirements, titled in your name, and proof of valid auto insurance. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. Please note that the loan proceeds cannot be used for postsecondary educational expenses such as college, university or vocational programs; for business or commercial purposes; for the purchase of securities; or for gambling or any illegal purposes.
Mariner Finance
The offer presented is a conditional offer and does not constitute an actual commitment to lend or an offer to extend credit. The stated APR in the presented offer represents the maximum APR that may be applicable, subject to state law limits. Specific interest rates and any other fees will be determined as permitted under applicable state law. The APR and all terms and conditions of a loan offer will be disclosed during the application process. Submission of a completed application to the Mariner Finance website is required, and the application will be subject to verification of applicant identity, any required supporting documentation, and credit information. To qualify, you must be a U.S. citizen or permanent resident and meet the underwriting requirements. The application process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. Please note that if you continue through the application process and accept an offer, Mariner Finance will pull your credit report and credit score using a “hard” credit inquiry, which may impact your credit score. Loan proceeds may be disbursed by check or Automated Clearing House (ACH) deposit. ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing. Mariner Finance loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.
NetCredit
This offer is representative of what may be available to you; you may see additional options or slightly different terms once you continue the application process on the NetCredit website. Depending on your state, your loan will be originated by NetCredit or a lending partner bank. You may be asked to provide additional documents to verify your income, identity and bank account. In some states, Annual Percentage Rate may be inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments may incur additional fees and may increase the cost of your fixed rate loan. Please refer to NetCredit’s Terms of Use, Rates & Terms and Borrower Agreement for all terms, conditions and requirements.
OneMain Financial
*Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit omf.com/loan-fees for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes. Outstanding Approval Odds: If you have received an offer with outstanding approval odds, you must apply for the offer and continue to meet the criteria used to select you for the offer. An outstanding approval odds offer assumes that you do not have a current loan with OneMain or one of its affiliates Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600. Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07. Current OneMain Customers: The above offer assumes that you do not have a current loan with OneMain or one of its affiliates. If you apply for the offer, a OneMain representative will discuss options available for current customers. Additional conditions for secured loans: Secured loans require a first lien on a motor vehicle that meets our value requirements, titled in your name with valid insurance. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral. If you are covered by the Military Lending Act, you are not eligible for secured offers. Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
Oportun Loans
*This is an advertisement for a consumer loan, subject to credit approval and state limits. Terms may vary by applicant, credit information, and state, and are subject to change. While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants. Personal loans in AZ, CA, FL, ID, IL, MO, NJ, NM, UT, and WI are originated by Oportun Inc. NV loans originated by Oportun, LLC. Personal loans in all other states are originated by Pathward, N.A., except CO, CT, DC, IA, MA, ME, NY, MD, and WV where loans are not available. California loans made pursuant to a California Financing Law license. Loan amounts for unsecured personal loans vary by state: loans above $5,000 are not available in FL or for first-time borrowers in IL, NJ, NM, and WI; loans above $6,000 are not available in AZ, IL, MO, NJ, NM, and WI, or for first-time borrowers in the remaining states; and minimum is $3,100 for GA and $1,600 for HI. Typical loan amounts are $600 to $6,000 for personal loans for new customers and $2,100 to $8,000 for returning customers. See oportun.com for details. Data on total loans and members current as of September 2022.
OppLoans
¹Installment loan amounts typically range from $500 to $4,000. APR ranges from 59% to 160%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments would have an APR of 160% and monthly payments of $394.58. Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs. ²Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. ³OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score. ⁴OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score.
Payoff
This offer does not constitute a commitment to lend or an offer to extend credit. Upon submitting a loan application, you may be asked to provide additional documents to verify your identity, income, assets, or financial condition. The rate and terms you may be approved for will be shown to you during the application process. Loans subject to an origination fee, which is deducted from the loan proceeds. Refer to full borrower agreement for all terms, conditions and requirements. Only loans applied for and issued on or after January 23, 2023, are covered under the TruStage™ Payment Guard Insurance Policy. Please refer to the certificate of insurance, provided to you with your loan origination documents, for terms and conditions of the coverage. Some exclusions apply. Claims must be submitted for review and approval to CUMIS Specialty Insurance Company, Inc. TruStage™ Payment Guard Insurance is underwritten by CUMIS Specialty Insurance Company, Inc and not by Happy Money. CUMIS Specialty Insurance Company, our excess and surplus lines carrier, underwrites coverages that are not available in the admitted market. Product and features may vary and not be available in all states. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Group Policy for a full explanation of the terms. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705.
Personify Financial
Applications submitted may be evaluated for one of two separate loan programs: installment loans made by Personify Financial (“Personify”), a licensed lender in certain states, or installment loans made by First Electronic Bank (“FEB”), a Utah-chartered industrial bank located in Salt Lake City, Utah, member FDIC. Personify works with FEB to originate installment loans made by FEB using the Personify Platform. The below examples are to illustrate interest and payment calculations only. They may not reflect actual terms available to you. To obtain a loan, you must apply online and have a valid checking account. The actual loan amount, term, and APR that you may qualify for may vary based on credit determination. Loans offered vary by loan program and state. To see if an origination fee is applicable or if a rate reduction program is available in your state, please visit www.personifyfinancial.com/rates-terms-andlicensing-information. Personify Monthly Example: For a $3,500, 36-month loan, with an APR of 179.67%, no origination fee and a monthly payment schedule, you would make 36 payments of $527.51, repaying a total of $18,990.36 for the life of the loan with a finance charge of $15,490.36. FEB Monthly Example, with rate reduction: For a $3,500, 36-month loan, with an APR of 97.19%, an origination fee that will be included in the principal amount of your loan (5% of the amount you receive) of $175.00, you would make 6 payments of $307.22, 6 payments of $302.34, 6 payments of $298.06, 6 payments of $294.55, 6 payments of $291.96, and 6 payments of $290.47, repaying a total of $10,707.60 over the life of the loan, with a finance charge of $7,207.60. FEB Monthly Example, with no rate reduction: For a $3,500.00, 36-month loan, with an APR of 35.28%, an origination fee that will be included in the principal amount of your loan (5% of the amount you receive) of $175.00, and a monthly repayment schedule, you would make 36 payments of $158.88, repaying a total of $5,719.68 for the life of the loan, with a finance charge of $2,219.68. †We may perform a “soft” inquiry to show you available offers for which you may be qualified. Soft inquiries do not affect your FICO® score. If you choose to submit an application for credit, we will perform “hard” inquiries which may affect your credit score. FICO is a registered trademark of Fair Isaac Corporation in the United States and in other countries.
**Funds are disbursed on the next business day, if approved and signed by you by 11:59 p.m. CT. Actual availability of funds depends on your financial institution’s policies. Please review our privacy policy at www.personifyfinancial.com/privacy-policy.
PNC
*PNC does not guarantee credit approval based on Credit Karma’s Approval Odds. Loan approval and terms are not guaranteed and are subject to our verification of your identity and credit information as well as market conditions. To obtain a loan, you must submit additional documentation, including an application which may affect your credit score. The terms of your loan, including the Annual Percentage Rate (APR) and maximum loan amount, will vary based on many factors such as your creditworthiness, the length of the loan, and your income. All loans are made by PNC Bank, National Association, a subsidiary of PNC. Additional restrictions and conditions may apply.
Possible FInance
Funding typically occurs within minutes of approval but can take up to 5 days. In some states, loans available through Possible Finance are issued by Coastal Community Bank, Member FDIC. Loan terms are subject to eligibility.
Prosper
*APRs presented are estimated and were created based upon information entered by the consumer and through analysis of information publicly available at Prosper.com. The estimated APR presented does not bind Prosper. The range of APRs available through Prosper is 6.99% to 35.99%. Only borrowers with excellent credit qualify for the lowest rate available. Your actual APR depends upon credit score, Prosper Rating, loan amount, loan term, credit usage and history. All loans are subject to credit review and approval. All personal loans made by WebBank. For example, a two-year $10,000 personal loan would have an interest rate of 11.5% and a 4.00% origination fee for an annual percentage rate (APR) of 15.64% APR. You would receive $9,600 and make 24 scheduled monthly payments of $468.40. A three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A four-year $10,000 personal loan would have an interest rate of 11.50% and a 5.00% origination fee for an annual percentage rate (APR) of 14.27% APR. You would receive $9,500 and make 48 scheduled monthly payments of $260.89. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 1%-5%. Personal loan APRs through Prosper range from 6.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. **You may receive your funds one business day after your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s ability to quickly process the transaction.
Regional Finance
Once prequalified, an applicant will work with a local loan specialist to complete the application and verify the information submitted. Loan approval and actual loan terms depend on Regional Finance’s standard credit criteria (including credit history, income and debts) and the availability of qualifying collateral. The APR shown is representative of the loan amount requested and is subject to state restrictions. Estimated APR is a weighted average of loans booked in the 4th quarter of 2017 for the requested loan amount in your state. This offer is not available if you are a covered borrower under the Military Lending Act.
Reprise Financial
*To qualify for this offer you must apply and continue to meet the criteria used to select you for this offer. Your loan terms and loan approval depends on your credit history, proof of sufficient income to pay your bills (including this loan), banking history, and, for certain applicants, your ability to provide sufficient collateral. The loan offer amount is inclusive of the amount financed and any applicable fees. Loan fees (including origination fees) differ by state. Loans terms typically range from 36 to 60 months with rates between 9.99 to 36%. The minimum loan amount in GA is $3,500; the minimum loan amount in NM is $10,500. In all other states, the minimum loan amount is $2,500. Loan proceeds may not be used to finance gambling, illegal activity, commercial activity, or post-secondary educational expenses as defined by Regulation Z. If your loan is funded by 4pm CST (not including weekends or holidays) you will receive your funds the next business day. Interest on your loan will begin to accrue the day after your loan funds (not including weekends or holidays). Reprise Financial offers both unsecured loans and loans secured by the title of your automobile. Not all applicants will qualify for unsecured loans. Loans secured by an automobile are not available to borrowers covered by the Military Lending Act. If you apply for a loan, Reprise Financial will contact you on the phone number provided using an automatic telephone dialing system “ATDS”, and your submission of an application affirms your consent to receiving calls and text messages placed by an ATDS as defined by the TCPA.
Republic Finance
* Standard loan terms apply based on your state of residence, including rates and origination fees. All loans and renewals are subject to approval pursuant to standard underwriting criteria. Secured loan options will have additional collateral and insurance requirements. Not all consumers will qualify for all loan options.
Rise
This RISECredit.com loan example is based on a monthly payment schedule. Payment schedules will align with your pay frequency as reported on your application.
Loans are offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account (savings and prepaid accounts are not accepted), a job or regular source of income and email address to receive account information. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.
In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may require you to log into your bank account or provide proof of income. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Agreement.
†Applications processed and approved before 6pm ET are typically funded the next business day.
††May be subject to minimum loan amount and loan term restrictions. Please visit www.RISECredit.com for details.
In KS, TN and TX, installment loans are originated by Community Capital Bank, a Utah Chartered bank, located in Provo UT, Member FDIC.
In AK, AZ, FL, HI, IN, KY, LA, MI, MN, MT, NE, NV, OH, OK, OR, WA and WY, Installment loans are originated by FinWise Bank, a Utah charted bank, located in Murray, UT, Member FDIC.
SoFi
*Fixed rates from 8.99% APR to 29.99% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount.
SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 3/06/23 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 7.25% of your loan amount for Cross River Bank originated loans, which will be deducted from any loan proceeds you receive.
Splash Financial
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are subject to change at any point prior to application submission. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer. This information is current as of March 28, 2023.
*Splash is a loan marketplace. If you submit a loan application you may receive offers from multiple lending partners. Other lending partners may have a different range of rates and repayment terms. There is no fee or penalty for repaying a loan early. Personal loans have an origination fee of 0% to 9.99%, which may be deducted from the loan proceeds. Lowest rates are reserved for the highest qualified borrowers. Lowest rates may require autopay and may require paying off a portion of existing debt directly. The autopay reduction will not be applied if autopay is not in effect. Not all rates and amounts available in all states. Not all applicants will qualify for the full amount. Residents of Massachusetts have a minimum loan amount of $6,000; New Mexico and Ohio, $5,000.
To qualify, a borrower must be a U.S. citizen or other eligible status and meet lender underwriting requirements. Splash does not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, creditworthiness, income and other factors.
¹To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
²While funding may be as soon as one to two business days, at times it could take up to two weeks
Loans feature repayment terms of 36 to 60 months depending on the lender and your qualifications. For example, if you are approved for a $10,000 loan with a 36-month term and a fixed APR of 17.98% (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a monthly payment of $343.33.
Universal Credit
Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. You may be required to have some of your funds sent directly to pay off your credit cards. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from your bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. Personal loans made by Universal Credit’s lending partners. Information on Universal Credit’s lending partners can be found at https://www.universal-credit.com/landing/lendingpartners. Please refer to Universal Credit’s Terms of Use and Borrower Agreement for all terms, conditions and requirements. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to two (2) weeks to clear, depending on the creditor.
Upgrade
Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. You may be required to have some of your funds sent directly to pay off your credit cards. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from your bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.
Upstart
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000), NM ($5,100), OH ($6,000). The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 25.05% and 60 monthly payments of $25.80 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $15,478 including a $804 origination fee. APR is calculated based on 5-year rates offered in June 2022. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. This offer is conditioned on final approval based on our consideration and verification of financial and non-financial information. Rate and loan amount are subject to change based upon information received in your full application. This offer may be accepted only by the person identified in this offer, who is old enough to legally enter into contract for the extension of credit, a US citizen or permanent resident, and a current resident of the US. Duplicate offers are void. Closing your loan is contingent on your meeting our eligibility requirements, our verification of your information, and your agreement to the terms and conditions on the www.upstart.com website.