Real rates from banks and fintechs. Compared side by side, no affiliate bias.
APR
6.75–16.0%
Amount
$1k–$50k
Alliant Credit Union membership required (open to all via joining Foster Care to Success)
US citizen or permanent resident
Age 18+
APR
—
Amount
$2k–$250k
FICO score 660+
Business at least 1 year old
Average monthly revenue $3,000+
APR
5.99–7.5%
Amount
$10k–$500k
Homeowner with equity in property
Credit union membership required
Good credit history
APR
3.89–18.24%
Amount
$250–$100k
Military/DoD affiliation
Navy Federal membership
US resident
APR
4.44–8.99%
Amount
$5k–$500k
US citizen or permanent resident
Bachelor's degree minimum
Employed or have job offer
APR
5.74–19.99%
Amount
$3k–$100k
SSN required
US address
Good credit history
APR
7.74–35.99%
Amount
$1k–$50k
Minimum credit score 600
US citizen or permanent resident
Valid bank account
APR
5.5–7.5%
Amount
$50k–$3M
Minimum credit score 620
US property owner
Proof of income and employment
APR
5.49–27.99%
Amount
$2k–$75k
US resident
Aged 18+
APR
2.09–17.99%
Amount
Up to $1k
US citizen or permanent resident
Enrolled at eligible school
Creditworthy cosigner may be required
APR
5.96–35.99%
Amount
$1k–$40k
Minimum credit score 600
US citizen or permanent resident
Verifiable income
APR
8.74–18.0%
APR
6.5–8.0%
Amount
$50k–$2M
US citizen or permanent resident
Valid income documentation
Property in eligible state
APR
3.99–24.99%
Amount
$8k–$100k
APR
4.15–14.9%
Amount
$5k–$500k
US citizen or permanent resident
Bachelor degree from eligible institution
Minimum credit score required
APR
9.116–29.99%
Amount
$2k–$45k
SSN required
US address
Minimum 640 credit score
APR
8.99–18.0%
Amount
$250–$50k
Navy Federal membership required (active duty, veterans, DoD civilians, and their families)
US citizen or permanent resident
Age 18+
APR
8.5–11.5%
Amount
$25k–$500k
Homeowner with sufficient equity
US resident (not available in NY, HI, UT)
Property appraisal required
APR
6.9–27.9%
Amount
$1k–$100k
APR
4.24–10.37%
Amount
$5k–$1000.0k
US citizen or permanent resident
Employed or have an offer starting within 90 days
Bachelor degree or higher from eligible school
Happy Money offers personal loans with APRs from 11.52% to 24.81%. Ideal for those consolidating $5K–$40K debt, but watch for origination fees.
Best Egg offers personal loans with rates from 6.99% to 35.99% APR. Loans range from $2,000 to $50,000, requiring a minimum credit score of 600.
Upstart offers loans from $1,000 to $50,000 with APRs ranging from 6.2% to 35.99%. Here's what you need to know about their unique approval process.
