Best Credit Score Requirement

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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 LightStream Auto Loans
LightStream Auto Loans
From Varies (2.49% APR for qualified applicants)

LightStream Auto Loans caters to families with excellent credit, offering some of the lowest interest rates available. The online application is quick and easy, with funds often disbursed within one b...

9.3 Excellent
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2 SoFi Personal Loans
SoFi Personal Loans
From Varies (7.99% APR+ based on creditworthiness)

SoFi offers personal loans ranging from $5,000 to $100,000 with competitive, fixed interest rates starting as low as 7.99% (depending on creditworthiness). A key benefit for families is the ability to...

9.2 Excellent
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3 LightStream Loans
LightStream Loans
From N/A (Interest rates from 2.99% APR)

LightStream, a division of Truist Bank, specializes in online personal loans with a focus on borrowers with excellent credit. Loan amounts range from $5,000 to $100,000, and rates can be as low as 2.9...

8.9 Very Good
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4 Discover Personal Loans
Discover Personal Loans

Discover Personal Loans offer a straightforward application process and competitive rates, starting around 8.99%. Loan amounts range from $2,500 to $35,000. A unique feature is the potential to earn D...

8.5 Very Good
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5 Rocket Loans
Rocket Loans

Rocket Loans, from the makers of Rocket Mortgage, provides a streamlined online application process and fast funding options. Loan amounts range from $2,000 to $40,000, with rates starting around 9.5%...

8.3 Very Good
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6 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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7 Chase Auto Loans
Chase Auto Loans

Chase Auto Loans provides financing options for families looking to purchase new or used vehicles. The online application process is convenient, and Chase offers competitive interest rates. While cred...

8.1 Very Good
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8 Avant Loans
Avant Loans

Avant caters to borrowers with fair credit scores (580+), offering a more accessible option than some competitors. Loan amounts range from $300 to $35,000, with rates starting around 35.88% APR. Avant...

8.0 Very Good
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9 Wells Fargo Auto Loans
Wells Fargo Auto Loans

Wells Fargo Auto Loans offers a range of financing options for families purchasing new or used vehicles. They provide a user-friendly online application process and competitive interest rates. A co-si...

7.9 Good
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10 Capital One Auto Loans (Direct)
Capital One Auto Loans (Direct)

Capital One offers direct auto loans, bypassing dealerships. This can often lead to more competitive rates, especially for borrowers with good to excellent credit. The online application process is st...

7.8 Good
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11 Payoff Loans
Payoff Loans

Payoff specializes in debt consolidation loans, focusing on helping borrowers pay off credit card debt. Loan amounts range from $5,000 to $35,000, with rates starting around 9.49%. Payoff provides fin...

7.8 Good
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12 FreedomEquity Loans
FreedomEquity Loans

FreedomEquity specializes in secured personal loans, often using a borrower's vehicle as collateral. Loan amounts range from $5,000 to $50,000, with rates starting around 7.99% APR. While secured loan...

7.7 Good
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13 FreedomEquity
FreedomEquity

FreedomEquity specializes in personal loans for debt consolidation, focusing on borrowers with fair to good credit. Loan amounts range from $5,000 to $40,000, with rates starting around 9.99% APR. The...

7.5 Good
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14 Regions Bank Auto Loans
Regions Bank Auto Loans

Regions Bank offers auto loans with an online application process and financing options for both new and used vehicles. They provide loan protection plans and refinancing options. While they generally...

7.5 Good
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15 Prosper Personal Loans
Prosper Personal Loans

Prosper operates as a peer-to-peer lending platform, connecting borrowers with individual investors. Loan amounts range from $2,000 to $40,000, with repayment terms from 1 to 5 years. Prospers rates a...

7.3 Good
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16 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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17 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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18 Freedom Financial Network
Freedom Financial Network

Freedom Financial Network is a debt relief company that also offers personal loans for debt consolidation. They specialize in helping borrowers manage and pay off existing debt. Loan amounts vary, and...

6.8 Fair
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19 Figure
Figure

Figure leverages blockchain technology to streamline the mortgage process and reduce costs. Their platform offers automated underwriting and a modern, user-friendly experience. They primarily focus on...

6.8 Fair
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20 OneMain Financial Loans
OneMain Financial Loans

OneMain Financial offers personal loans with a combination of online and in-person services. Loan amounts range from $1,000 to $25,000, with rates varying based on creditworthiness and whether the loa...

6.8 Fair
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21 Best Egg Loans
Best Egg Loans

Best Egg Loans provides personal loans with a focus on fast funding and a user-friendly online application. Loan amounts range from $1,000 to $35,000, with rates starting around 8.99% APR. Best Egg of...

6.5 Fair
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22 OppLoans
OppLoans

OppLoans provides short-term personal loans to borrowers with limited credit history. Loan amounts range from $300 to $10,000, with rates significantly higher than traditional personal loans. OppLoans...

6.5 Fair
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23 Fig Loans
Fig Loans

Fig Loans offers small, short-term personal loans to borrowers with limited credit history. Loan amounts range from $300 to $1,500, with rates considerably higher than traditional personal loans. Fig...

6.3 Fair
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24 Mariner Finance
Mariner Finance

Mariner Finance offers personal loans with a focus on in-person customer service and a variety of loan products. Loan amounts range from $1,000 to $25,000, with rates varying based on creditworthiness...

6.0 Fair
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25 Avant Credit
Avant Credit

Avant Credit provides personal loans to borrowers with fair credit scores, offering a more accessible option than some competitors. Loan amounts range from $300 to $10,000, with rates starting around...

5.8 Average
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