Best Flexible Payments

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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 Earnest
Earnest

Earnest focuses on borrowers with a strong financial profile, often graduate students or professionals. They utilize a holistic underwriting process, considering factors beyond just credit score, such...

9.0 Excellent
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3 Avant Personal Loans
Avant Personal Loans

Avant is an online lender that caters to borrowers with fair credit. Loan amounts range from $300 to $35,000, with rates starting around 35.88% APR. While rates are higher than those offered to borrow...

8.5 Very Good
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4 Carvana Auto Loans
Carvana Auto Loans

Carvana offers auto loans as part of its online car-buying experience. They provide financing for both new and used vehicles, with a focus on used cars. Carvana is known for its flexible credit requir...

8.5 Very Good
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5 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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6 Universal Credit Loans
Universal Credit Loans

Universal Credit Loans provides personal loans to borrowers with fair to poor credit. Loan amounts range from $500 to $30,000, with rates starting around 35.99%. They offer flexible payment options an...

6.8 Fair
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7 Kiavi Student Loans
Kiavi Student Loans

Kiavi (formerly Sallie Mae Graduate Solutions) provides private student loans and refinancing options, specializing in graduate student loans. They offer income-based repayment options and flexible pa...

6.7 Fair
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8 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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9 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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10 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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11 NetCredit
NetCredit

NetCredit is a lender that focuses on providing personal loans to individuals with less-than-perfect credit. They offer a simple, user-friendly application process and quick funding times. While their...

5.8 Average
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12 Rise Credit
Rise Credit

Rise Credit provides personal loans to borrowers with fair to poor credit. Loan amounts range from $500 to $5,000, with rates starting around 36%. Rise Credit reports payment history to credit bureaus...

5.4 Average
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