Best Credit History

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Upstart Personal Loans
Upstart Personal Loans
From N/A (Interest rates vary by creditworthiness, APR 7.8%-35.99%)

Upstart utilizes an AI-powered approach to loan approval, considering factors beyond traditional credit scores like education and employment history. This can make it accessible to borrowers with limi...

9.2 Excellent
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2 Upstart Loans
Upstart Loans

Upstart utilizes an AI-powered underwriting model that considers factors beyond traditional credit scores, like education and employment history. This can make it accessible to borrowers with limited...

8.7 Very Good
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3 Ascent
Ascent

Ascent offers student loan refinancing with a unique co-signer program, allowing borrowers with limited credit history to qualify for better rates. They also provide non-co-signer options for borrower...

8.3 Very Good
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4 Prosper Loans
Prosper Loans

Similar to LendingClub, Prosper is a peer-to-peer lending platform. Loan amounts range from $2,000 to $50,000, with rates starting around 10.99% APR. Prospers rates are determined by credit profile an...

8.2 Very Good
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5 The Credit Pros
The Credit Pros
From $99/month

The Credit Pros is a technology-enabled credit repair service focused on improving American’s credit profiles. Staffed by a team of experienced credit experts, The Credit Pros' helps clients to remove...

7.6 Good
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6 Capital One Personal Loans
Capital One Personal Loans

Capital One offers personal loans with a straightforward application process and a rewards program for on-time payments. Loan amounts range from $3,000 to $40,000, with rates starting around 9.99% APR...

7.3 Good
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7 LendingClub Loans
LendingClub Loans

LendingClub operates as a peer-to-peer lending platform, connecting borrowers with individual investors. Loan amounts range from $1,000 to $40,000, with rates starting around 10.99% APR. While rates c...

7.0 Good
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8 Kiavi
Kiavi

Kiavi provides student loan refinancing options with a focus on income-driven repayment plans and flexible terms. They cater to graduate students and professionals with strong credit histories. Kiavi...

7.0 Good
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9 Credit Saint
Credit Saint
Free Plan Available From $19.95/mo

We will help recover your credit report and email it to you. Then we'll go over the specific details of your credit history with you and identify what items in your history are damaging your credit. W...

2.5 Poor
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