{"id":18271,"date":"2018-12-07T08:47:45","date_gmt":"2018-12-07T16:47:45","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?page_id=18271"},"modified":"2024-02-08T05:19:29","modified_gmt":"2024-02-08T13:19:29","slug":"personal-loan-calculator","status":"publish","type":"page","link":"https:\/\/www.credible.com\/blog\/calculators\/personal-loan-calculator\/","title":{"rendered":"Personal Loan Calculator: Estimate Your Payments On a Loan"},"content":{"rendered":"<p>You can use the personal loan calculator to estimate your payments for a loan as well as the overall cost. Several factors influence your estimated payment, including the loan amount, repayment terms, and the APR. For example, the higher the APR, the more you&#8217;ll pay in interest.<\/p>\n<p>If you prequalify, you can see your estimated APR before you sign for the loan. The average APR in October of 2023 was 16.66%, according to Credible prequalified data. However, prequalification is not an offer of credit, and your final rate may differ depending on your credit profile.<\/p>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"15000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"18\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"10\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n        loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    loan.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Need a personal loan?<\/strong><br \/>\nCompare rates without affecting your credit score. 100% free!<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/personal-loans\/borrower\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<h2>How to use our personal loan calculator<\/h2>\n<p>To use the calculator, just enter the following into the fields above:<\/p>\n<ol>\n<li>The amount you want to borrow<\/li>\n<li>What the interest rate will be<\/li>\n<li>The length of repayment terms<\/li>\n<\/ol>\n<p>Then you can see what your total payment will be, including interest, as well as your monthly payment.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"\/personal-loan\/how-do-personal-loans-work\"><b><i>How Do Personal Loans Work?<\/i><\/b><\/a><\/p>\n<h2>How to get a personal loan<\/h2>\n<p>If you\u2019re ready to take out a personal loan, follow these four steps:<\/p>\n<ul>\n<li><b>Research and compare lenders. <\/b>Be sure to shop around and compare as many <a href=\"\/personal-loan\/best-personal-loans\">personal loan lenders<\/a> as possible to find the right loan for you. Consider not only interest rates but also repayment terms, any fees charged by the lender, and eligibility requirements.<\/li>\n<li><b>Pick a loan option. <\/b>After comparing lenders, choose the <a href=\"\/personal-loan\">personal loan<\/a> option that best suits your needs.<\/li>\n<li><b>Complete the application. <\/b>Once you\u2019ve picked a lender, you\u2019ll need to fill out a full application and submit any required documentation, such as tax returns or pay stubs.<\/li>\n<li><b>Get your funds. <\/b>If you\u2019re approved, the lender will have you sign for the loan so the funds can be released to you. The <a href=\"\/blog\/personal-loan\/time-to-fund\/\">time to fund<\/a> for a personal loan is usually about one week \u2014 though some lenders will fund loans as soon as the <a href=\"\/personal-loan\/same-day-loans\">same or next business day<\/a> after approval.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"\/personal-loan\/fast-personal-loans\"><b><i>Best Fast Personal Loans<\/i><\/b><\/a><\/p>\n<h2>17 personal loan lenders to consider<\/h2>\n<p>If you\u2019re ready to compare loan options, consider the following lenders.<\/p>\n\n<table id=\"tablepress-42\" class=\"tablepress tablepress-id-42 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates<\/strong><\/th><th class=\"column-3\"><strong>Loan amounts<\/strong><\/th><th class=\"column-4\"><strong>Check rates<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"147\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-768x147.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-768x147.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-600x115.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-300x57.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-150x29.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING.png 835w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/avant\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#avant-pl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    9.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$2,000 to $35,000<small><sup>**<\/sup><\/small><\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"avant-pl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    9.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                550<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $2,000 to $35,000**<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5*<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as the next business day <small>(if approved by 4:30 p.m. CT on a weekday)<\/small><\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except HI, VT, MA, ME, NY, WV<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Avant<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, emergency expense, life event, home improvement, and other purposes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                $1,200 monthly<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"166\" height=\"55\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/axos-logo.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/axos-logo.png 166w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/axos-logo-150x50.png 150w\" sizes=\"(max-width: 166px) 100vw, 166px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/axos-bank\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#axos\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    8.24% - 18.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$10,000 to $50,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"axos\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    8.24% - 18.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                730<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $10,000 to $50,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                3 to 6 years<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                Next business day<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                No prepayment penalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, home improvement, self-employment, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img decoding=\"async\" width=\"500\" height=\"105\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W.png 500w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W-300x63.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W-150x32.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/best-egg\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#best-egg\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$2,000 to $50,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"best-egg\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                N\/A<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                600<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $2,000 to $50,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as 1 to 3 business days after successful verification<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except DC, IA, VT, and WV<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Best Egg and Blue Ridge Bank<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Credit card refinancing, debt consolidation, home improvement, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"365\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-768x365.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-768x365.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-600x285.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-300x142.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-150x71.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB.png 910w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/discover-personal-loans\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#discover-pl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    7.99% - 24.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\"><p>$2,500 - $40,000<\/p>\n<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"discover-pl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    7.99% - 24.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                660<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                <p>$2,500 - $40,000<\/p>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                3, 4, 5, 6, 7<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as the next business day after acceptance<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                \u00a0Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"106\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-768x106.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-768x106.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-600x83.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-300x41.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-150x21.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget.png 984w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/payoff\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#payoff\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    7.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$3,000 to $40,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"payoff\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    7.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                640<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $3,000 to $40,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as 2 to 5 business days after verification<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except MA and NV<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                $25,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation and credit card consolidation<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"126\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-768x126.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-768x126.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-600x98.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-300x49.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-150x25.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE.png 1106w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/lending-club\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#lending-club\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.53% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$1,000 to $40,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"lending-club\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.53% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                660<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $40,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                3, 5<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                Usually takes about 2 days<sup>\u2020<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                LendingClub Bank<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"189\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-768x189.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-768x189.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-600x148.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-1200x295.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-1536x378.png 1536w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-2048x504.png 2048w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-300x74.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-150x37.png 150w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/lightstream\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#lightstream\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.49% - 24.89% APR<sup><\/sup>\n  <\/span>\n with autopay<\/td><td class=\"column-3\">$5,000 to $100,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"lightstream\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.49% - 24.89% APR<sup><\/sup>\n  <\/span>\n with autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                700<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $100,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5, 6, 7*<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as the same business day<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except VT<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                LightStream<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Credit card refinancing, debt consolidation, home improvement, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"71\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-768x71.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-768x71.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-600x56.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-300x28.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-150x14.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C.png 872w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/onemain-financial\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#onemain-financial\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    11.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$1,500 to $20,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"onemain-financial\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    11.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                540<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,500 to $20,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as 1 to 2 business days after approval<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must have photo I.D. issued by U.S. federal, state or local government<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                Does not disclose<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"272\" height=\"69\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/penfed-logo.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/penfed-logo.png 272w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/penfed-logo-150x38.png 150w\" sizes=\"(max-width: 272px) 100vw, 272px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/penfed-personal-loans\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#penfed-pl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    8.49% - 17.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$600 to $50,000 <br \/>\n<small>(depending on loan term)<\/small><\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"penfed-pl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    8.49% - 17.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                760<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $600 to $50,000*<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                1, 2, 3, 4, 5<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                2 to 4 business days after verification<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                0.25% reduction with use of AutoPay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, home improvement, credit card refinancing<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-768x432.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-768x432.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-600x338.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-1200x675.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-1536x864.png 1536w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-300x169.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color-150x84.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2022\/07\/01_Logo_color.png 1920w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/reach-financial\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#reach-financial-pl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    7.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$3,500 to $40,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"reach-financial-pl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    7.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                640<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $3,500 to $40,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                90% funded within a day<sup>13<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination Fee, $15 Late Fee, $25 NSF Fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except CO, CT, ME, NV, NH, TN, VT, WV, WY, and all U.S. Territories<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Reach Financial<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                $1,000 monthly<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, credit card refinancing<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-22\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/sofi\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sofi-pl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    7.74% - 35.49% APR<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$5,000 to $100,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-23\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"sofi-pl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    7.74% - 35.49% APR<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $5,000 to $100,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5, 6, 7<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                3 business days<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                No fees required<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Solely for personal, family, or household uses<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-24\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"98\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-768x98.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-768x98.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-600x76.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-1200x153.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-300x38.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-150x19.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2.png 1350w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            Credible Rating\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#universal-credit-pl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    11.69% - 35.99% APR<sup>7<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$1,000 to $50,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-25\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"universal-credit-pl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    11.69% - 35.99% APR<sup>7<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                560<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $50,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms:<\/span>\n                                3, 5, or 7 years <sup>8<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                Within one day, once approved<sup>9<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                A U.S. citizen or permanent resident; not available in DC, IA<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-26\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"174\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-768x174.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-768x174.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-600x136.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-1200x272.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-1536x348.png 1536w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-300x68.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-150x34.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1.png 1770w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/upgrade\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#upgrade\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <br \/>\n<\/td><td class=\"column-2\">  <span>\n    7.74% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$1,000 to $50,000<\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-27\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"upgrade\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    7.74% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                600<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $50,000*<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2 to 7<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                Within a day of clearing necessary verifications<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states and Washington, D.C.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, credit card refinancing, home improvement, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-28\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"131\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg.png 640w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg-600x123.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg-300x61.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/upstart\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"3 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#upstart\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.6% - 35.99% APR<sup>4<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$1,000 to $50,000<sup>5<\/sup><\/td><td class=\"column-4\"><p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\/step\/amount\">Check Rates<\/a><\/p><\/td>\n<\/tr>\n<tr class=\"row-29\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"upstart\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.6% - 35.99% APR<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                620<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $50,000<sup>5<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                3 or 5 years<sup>4<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as 1 - 3 business days<sup>6<\/sup><\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Phone, email<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. Income:<\/span>\n                                $12,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Payoff credit cards, consolidate debt, relocate, make a large purchase, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-30\">\n\t<td colspan=\"4\" class=\"column-1\"><center><b>Compare prequalified rates from these lenders without affecting your credit score. 100% free!<\/b><br><br \/>\n<center><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\">Compare Now<\/a><\/center><!-- TrustBox widget - Micro Combo --><br \/>\n<br \/>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><br \/>\n<!-- End TrustBox widget --><\/td>\n<\/tr>\n<tr class=\"row-31\">\n\t<td colspan=\"4\" class=\"column-1\"><center>All APRs reflect autopay and loyalty discounts where available |\u00a0<a href=\"https:\/\/www.credible.com\/a\/lightstream-payment-example\/\" target=\"_blank\" rel=\"noopener noreferrer\">LightStream disclosure<\/a>\u00a0| <a href=\"https:\/\/www.credible.com\/a\/sofi-personal-loan-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>10<\/sup>SoFi Disclosures <\/a>| <a href=\"#pl-disclosures\">Read more about Rates and Terms<\/a><\/center><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>Avant<\/h3>\n<p><b>Best for: <\/b>Borrowers with poor credit<\/p>\n<p>While many personal loan lenders require good to <a href=\"\/personal-loan\/best-personal-loans-for-excellent-credit\">excellent credit<\/a>, you might qualify with <a href=\"\/lenders\/avant\/\">Avant<\/a> even if you have poor credit. You can borrow $2,000 to $35,000<sup>*<\/sup> with repayment terms from two to five years<sup>**<\/sup>.<\/p>\n<p>If you\u2019re approved, you could get your funds as soon as the next business day (if approved by 4:30 p.m. CT on a weekday).<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"147\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-768x147.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-768x147.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-600x115.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-300x57.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING-150x29.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Primary_Brand-Mark_Blue_RGB_NO-PADDING.png 835w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">3.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/avant\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Avant Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    9.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">550<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$2,000 to $35,000**<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as the next business day <small>(if approved by 4:30 p.m. CT on a weekday)<\/small><\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46564\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46564\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    9.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> N\/A<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 550<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $2,000 to $35,000**<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5*<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as the next business day <small>(if approved by 4:30 p.m. CT on a weekday)<\/small><\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all states except HI, VT, MA, ME, NY, WV<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Avant<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Debt consolidation, emergency expense, life event, home improvement, and other purposes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> $1,200 monthly<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Axos Bank<\/h3>\n<p><b>Best for: <\/b>Borrowers with excellent credit<\/p>\n<p>With <a href=\"\/lenders\/axos-bank\/\">Axos Bank<\/a>, you can borrow <a href=\"\/personal-loan\/10k-loan\">$10,000<\/a> to $50,000 with terms from three to six years. You could also get your funds as soon as the next business day if you\u2019re approved. Keep in mind that you\u2019ll typically need good to excellent credit to qualify for a loan from Axos Bank.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"166\" height=\"55\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/axos-logo.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/axos-logo.png 166w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/05\/axos-logo-150x50.png 150w\" sizes=\"(max-width: 166px) 100vw, 166px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">3.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/axos-bank\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Axos Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    8.24% - 18.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">730<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$10,000 to $50,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Next business day<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46566\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46566\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    8.24% - 18.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> N\/A<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 730<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $10,000 to $50,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 3 to 6 years<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> Next business day<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> No prepayment penalty<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all 50 states<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Debt consolidation, home improvement, self-employment, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Best Egg<\/h3>\n<p><b>Best for: <\/b>Borrowers with very good credit and income<\/p>\n<p>In addition to your credit score, <a href=\"\/lenders\/best-egg\/\">Best Egg<\/a> will also consider other factors. This means you might have an easier time qualifying with Best Egg compared to other traditional lenders.<\/p>\n<p>With Best Egg, you can borrow $2,000 to $50,000 with terms from two to five years. Best Egg\u2019s rates can be particularly competitive for borrowers with very good credit and income.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"105\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W.png 500w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W-300x63.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W-150x32.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.0<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/best-egg\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Best Egg Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    6.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">600<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$2,000 to $50,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as 1 to 3 business days after successful verification<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46568\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46568\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    6.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Variable APR:<\/span> N\/A<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 600<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $2,000 to $50,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as 1 to 3 business days after successful verification<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all states except DC, IA, VT, and WV<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> Best Egg and Blue Ridge Bank<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Credit card refinancing, debt consolidation, home improvement, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Discover<\/h3>\n<p><b>Best for: <\/b>Longer repayment terms<\/p>\n<p>If you\u2019re looking for a longer repayment term, <a href=\"\/lenders\/discover-personal-loans\/\">Discover<\/a> could be a good choice \u2014 you can borrow $2,500 to $40,000 and could have three to seven years to repay it. Just keep in mind that by choosing a longer term, you\u2019ll pay more in interest over time.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"365\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-768x365.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-768x365.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-600x285.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-300x142.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB-150x71.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/Discover_PersonalLoans_Primary_Logo_RGB.png 910w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.3<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/discover-personal-loans\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Discover Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    7.99% - 24.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">660<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\"><p>$2,500 - $40,000<\/p>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as the next business day after acceptance<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46572\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46572\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    7.99% - 24.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 660<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> <p>$2,500 - $40,000<\/p>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 3, 4, 5, 6, 7<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as the next business day after acceptance<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Late fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> \u00a0Available in all 50 states<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Happy Money<\/h3>\n<p><b>Best for: <\/b>Consolidating credit card debt<b> <\/b><\/p>\n<p>If you\u2019re planning to consolidate your credit card debt, <a href=\"\/lenders\/happy-money\/\">Happy Money<\/a> could be a good option \u2014 its loans can only be used for this purpose. With Happy Money, you can borrow $5,000 to $40,000 with terms from two to five years.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"106\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-768x106.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-768x106.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-600x83.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-300x41.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget-150x21.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/logo-widget.png 984w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">3.8<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/payoff\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Happy Money Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    7.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">640<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$3,000 to $40,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as 2 to 5 business days after verification<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle\" data-toggle=\"collapse\" data-target=\"#lender_details_46586\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section show in\" id=\"lender_details_46586\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    7.95% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 640<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $3,000 to $40,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as 2 to 5 business days after verification<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all states except MA and NV<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email, chat<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> $25,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Debt consolidation and credit card consolidation<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>LendingClub<\/h3>\n<p><b>Best for: <\/b>Borrowers who need a cosigner<\/p>\n<p>If you need a cosigner for your personal loan, <a href=\"\/lenders\/lending-club\/\">LendingClub<\/a> could be a good option \u2014 it\u2019s one of the few lenders that allow <a href=\"\/personal-loan\/best-personal-loans-with-cosigner\">cosigners on personal loans<\/a>. With LendingClub, you can <a href=\"\/personal-loan\/1000-loan\">borrow $1,000<\/a> to $40,000 with a three- or five-year term.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"126\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-768x126.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-768x126.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-600x98.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-300x49.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE-150x25.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/07\/LendingClub_LOGO_BLUE.png 1106w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.0<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/lending-club\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>LendingClub Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    6.53% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\"> Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">660<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 to $40,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Usually takes about 2 days<sup>\u2020<\/sup><\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46576\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46576\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    6.53% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 660<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 to $40,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 3, 5<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> Usually takes about 2 days<sup>\u2020<\/sup><\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all 50 states<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> LendingClub Bank<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>LendingPoint<\/h3>\n<p><b>Best for: <\/b>Borrowers with near-prime credit<\/p>\n<p><a href=\"\/lenders\/lendingpoint\/\">LendingPoint<\/a> specializes in working with borrowers who have near-prime credit \u2014 usually meaning a credit score in the upper 600s. With LendingPoint, you can borrow $2,000 to $36,500 with terms from two to six years.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"507\" height=\"181\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint.png 507w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint-300x107.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint-150x54.png 150w\" sizes=\"(max-width: 507px) 100vw, 507px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">3.7<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/lendingpoint\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>LendingPoint Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    7.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">660<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$2,000 to $36,500<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as the next business day<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46578\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46578\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    7.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 660<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $2,000 to $36,500<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5, 6<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as the next business day<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> $20,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>LightStream<\/h3>\n<p><b>Best for: <\/b>Large loan amounts<\/p>\n<p>If you need to borrow a large amount, <a href=\"\/lenders\/lightstream\/\">LightStream<\/a> could be a good choice \u2014 you can borrow $5,000 to $100,000 and could get your funds as soon as the same business day if you\u2019re approved.<\/p>\n<p>Most LightStream loans come with repayment terms from two to seven years, but if you use your loan for home improvements, you could have up to 12 years to repay it.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"189\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-768x189.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-768x189.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-600x148.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-1200x295.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-1536x378.png 1536w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-2048x504.png 2048w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-300x74.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/lts_lg_h_rgb_pos-150x37.png 150w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.2<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/lightstream\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>LightStream Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    6.49% - 24.89% APR<sup><\/sup>\n  <\/span>\n with autopay<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">700<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$5,000 to $100,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as the same business day<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46580\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46580\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    6.49% - 24.89% APR<sup><\/sup>\n  <\/span>\n with autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 700<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $5,000 to $100,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5, 6, 7*<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as the same business day<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all states except VT<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan servicer:<\/span> LightStream<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Credit card refinancing, debt consolidation, home improvement, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>OneMain Financial<\/h3>\n<p><b>Best for: <\/b>Borrowers with below-average credit<\/p>\n<p>Unlike most lenders, <a href=\"\/lenders\/onemain-financial\/\">OneMain Financial<\/a> has a low minimum credit score requirement of 540 \u2014 which means you might qualify even if you have below-average credit. OneMain Financial will also consider your financial history, income, expenses, and loan purpose to determine your creditworthiness.<\/p>\n<p>With OneMain Financial, you can borrow $1,500 to $20,000 with terms from two to five years. Keep in mind that larger loan amounts might <a href=\"\/personal-loan\/collateral-for-personal-loan\">require collateral<\/a>.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"71\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-768x71.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-768x71.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-600x56.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-300x28.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C-150x14.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/OMF_logo_horz_Sky_2132C.png 872w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">3.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/onemain-financial\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>OneMain Financial Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    11.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">540<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,500 to $20,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as 1 to 2 business days after approval<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle\" data-toggle=\"collapse\" data-target=\"#lender_details_46584\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section show in\" id=\"lender_details_46584\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    11.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 540<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,500 to $20,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as 1 to 2 business days after approval<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Must have photo I.D. issued by U.S. federal, state or local government<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> Does not disclose<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>PenFed<\/h3>\n<p><b>Best for: <\/b>Small loan amounts<\/p>\n<p><a href=\"\/lenders\/penfed-personal-loans\/\">PenFed<\/a> could be a good choice if you need to borrow only a small amount \u2014 you can borrow as little as $600 up to $50,000, depending on your loan term. Repayment terms range from one to five years.<\/p>\n<p>Keep in mind that while you don\u2019t need to be a PenFed member to apply for a loan, you\u2019ll have to join the credit union if you are approved and want to accept the loan.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"272\" height=\"69\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/penfed-logo.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/penfed-logo.png 272w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/03\/penfed-logo-150x38.png 150w\" sizes=\"(max-width: 272px) 100vw, 272px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.6<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/penfed-personal-loans\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>PenFed Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    8.49% - 17.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">760<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$600 to $50,000*<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">2 to 4 business days after verification<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle\" data-toggle=\"collapse\" data-target=\"#lender_details_46588\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section show in\" id=\"lender_details_46588\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    8.49% - 17.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 760<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $600 to $50,000*<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 1, 2, 3, 4, 5<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> 2 to 4 business days after verification<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> None<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> 0.25% reduction with use of AutoPay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> No<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Debt consolidation, home improvement, credit card refinancing<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>SoFi<\/h3>\n<p><b>Best for: <\/b>Borrower perks<\/p>\n<p><a href=\"\/lenders\/sofi\/\">SoFi<\/a> is another lender that offers large loan amounts \u2014 you can borrow $5,000 to $100,000 with terms from two to seven years. With SoFi, you\u2019ll also have access to various borrower perks, such as employment protection, career coaching, and investing advice.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <div class=\"logo__heading\">\n                <span>SoFi &#8211; PL<\/span>\n            <\/div>\n            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/sofi\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>SoFi Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    7.74% - 35.49% APR<sup>10<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Does not disclose<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$5,000 to $100,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">3 business days<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46592\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46592\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    7.74% - 35.49% APR<sup>10<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $5,000 to $100,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2, 3, 4, 5, 6, 7<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> 3 business days<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> No fees required<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all states<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Solely for personal, family, or household uses<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Universal Credit<\/h3>\n<p><b>Best for: <\/b>Borrowers who want to build their credit<\/p>\n<p>With <a href=\"\/lenders\/universal-credit-services\/\">Universal Credit<\/a>, you\u2019ll have access to free credit score monitoring, educational tools, and personalized recommendations that could help you build your credit. You can borrow $1,000 to $50,000 with Universal Credit.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"98\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-768x98.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-768x98.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-600x76.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-1200x153.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-300x38.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2-150x19.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/07\/universal-credit-2.png 1350w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.3<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    Credible rating\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Universal Credit Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender <\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    11.69% - 35.99% APR<sup>7<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\"> Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">560<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 to $50,000<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Within one day, once approved<sup>9<\/sup><\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_49481\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_49481\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    11.69% - 35.99% APR<sup>7<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 560<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 to $50,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms:<\/span> 3, 5, or 7 years <sup>8<\/sup><\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> Within one day, once approved<sup>9<\/sup><\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Loan types:<\/span> Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> A U.S. citizen or permanent resident; not available in DC, IA<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Upgrade<\/h3>\n<p><b>Best for: <\/b>Fast loan funding<\/p>\n<p>If you need your money quickly, <a href=\"\/lenders\/upgrade\/\">Upgrade<\/a> could be a good choice \u2014 you could get within a day of clearing necessary verifications if you\u2019re approved. With Upgrade, you can borrow $1,000 to $50,000 with a three- or five-year term.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"174\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-768x174.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-768x174.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-600x136.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-1200x272.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-1536x348.png 1536w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-300x68.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1-150x34.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/UpgradeLogo-FullColor-H-1770x400-1.png 1770w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">4.5<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/upgrade\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n                        <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-quarter.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Upgrade Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    7.74% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">600<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 to $50,000*<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">Within a day of clearing necessary verifications<\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46598\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46598\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    7.74% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 600<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 to $50,000*<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 2 to 7<\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> Within a day of clearing necessary verifications<\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> Autopay<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all 50 states and Washington, D.C.<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> Does not disclose<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Debt consolidation, credit card refinancing, home improvement, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<h3>Upstart<\/h3>\n<p><b>Best for: <\/b>Borrowers with little to no credit<\/p>\n<p>In addition to your credit score, <a href=\"\/lenders\/upstart\/\">Upstart<\/a> will consider your education and job history to determine approval. This means you might still qualify even if you have little to no credit. You can borrow $1,000 to $50,000<sup>5<\/sup> with Upstart.<\/p>\n<div class=\"lender-rating__container-width\">\n    <div class=\"lender-rating__divider\"><\/div>\n    <div class=\"lender-rating__container\">\n        <div class=\"left-rating-col__wrap\">\n            <div class=\"lender-rating__ratings\">\n    <div class=\"logo__container\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"131\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg.png 640w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg-600x123.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Upstart_logo_August_2013.svg-300x61.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>            <\/div>\n    <div class=\"editorial__container\">\n        <div class=\"number-rating__container\">\n            <span class=\"feat-branch\"><\/span>\n            <span class=\"feat-number\">3.9<\/span>\n            <span class=\"feat-branch right\"><\/span>\n        <\/div>\n        <div class=\"heading__container\">\n            <span class=\"heading\">\n                                    <a href=\"https:\/\/www.credible.com\/lenders\/upstart\/\">Credible rating<\/a>\n                            <\/span>\n                            <div data-toggle=\"tip\" data-placement=\"top left\">\n                    <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                    <span class=\"tip\">\n                        <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                        <span class=\"tip-arrow\"><\/span>\n                    <\/span>\n                <\/div>\n                    <\/div>\n        <div class=\"star-rating__container\">\n            <div class=\"star-rating__background\">\n                <div class=\"star-rating\">\n                                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"star-light\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"star-rating-list__container\">\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Rates and terms<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Fees and Discounts<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                            <img decoding=\"async\" class=\"dark-star\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-three-quarter.svg\">\n                        <img decoding=\"async\" class=\"dark-star\" alt=\"An empty star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-empty.svg\">\n                            <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"star-rating-group\">\n            <div class=\"star-rating-row\">\n                <span class=\"heading\">Customer Experience<\/span>\n                <div>\n                                <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                    <img decoding=\"async\" class=\"dark-star\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-dark-full.svg\">\n                                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>        <\/div>\n        <div class=\"right-rating-col__wrap\">\n                <div class=\"at-glance__container\">\n        <div class=\"heading\">\n            <span>Upstart Personal Loans<\/span>\n        <\/div>\n        <div class=\"categories__container\">\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/fixed-rates-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Fixed APR                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Range of fixed rates available from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">  <span>\n    6.6% - 35.99% APR<sup>4<\/sup>\n  <\/span>\n<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/min-credit-score-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Min. credit score                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Minimum credit score needed to qualify<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">620<\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/loan-amount-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Loan amount                                                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">Total amount you can borrow from this lender<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">$1,000 to $50,000<sup>5<\/sup><\/div>\n                        <\/div>\n                    <\/div>\n                                <div class=\"col-md-6 col-xs-6 item__container p-x-0\">\n                        <img decoding=\"async\" class=\"glance-icon\" role=\"presentation\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/11\/time-to-fund-icon.svg\">\n                        <div class=\"item__details\">\n                            <span class=\"item-label--bold icon\">\n                                Time to fund                                                                    <div class=\"odd\" data-toggle=\"tip\" data-placement=\"top left\">\n                                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help.svg\">\n                                        <span class=\"tip\">\n                                            <span class=\"tip-content\">How long it takes to receive your money<\/span>\n                                            <span class=\"tip-arrow\"><\/span>\n                                        <\/span>\n                                    <\/div>\n                                                            <\/span>\n                            <div class=\"item-label\">As soon as 1 - 3 business days<sup>6<\/sup><\/div>\n                        <\/div>\n                    <\/div>\n                    <\/div>\n    <\/div>\n            <div class=\"cta__container\">\n    <div class=\"cta__text\">\n        <p><b data-stringify-type=\"bold\">Ready to find a personal loan?<\/b><br \/>\nCompare rates from top personal loan lenders to find the right one for you.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.credible.com\/personal-loans\/borrower\" class=\"cta_btn\">Check Personalized Rates<\/a>\n    <div class=\"disclaimer-text\">\n        <span>Checking rates won't affect your credit score<\/span>\n    <\/div>\n<\/div>        <\/div>\n    <\/div>\n            <div class=\"lender-rating-details__container\">\n    <div class=\"details-heading\">\n        <a role=\"button\" class=\"details-toggle collapsed\" data-toggle=\"collapse\" data-target=\"#lender_details_46601\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n            <span>View Details<\/span>\n        <\/a>\n    <\/div>\n    <div class=\"collapse collapse__section\" id=\"lender_details_46601\">\n        <div class=\"intro-paragraph\">\n            <span><\/span>\n        <\/div>\n        <div class=\"details__list row\">\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Fixed APR:<\/span>   <span>\n    6.6% - 35.99% APR<sup>4<\/sup>\n  <\/span>\n<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. credit score:<\/span> 620<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan amount:<\/span> $1,000 to $50,000<sup>5<\/sup><\/li>\n                                            <li><span class=\"font-weight-bold\">Loan terms (years):<\/span> 3 or 5 years<sup>4<\/sup><\/li>\n                                            <li><span class=\"font-weight-bold\">Time to fund:<\/span> As soon as 1 - 3 business days<sup>6<\/sup><\/li>\n                                            <li><span class=\"font-weight-bold\">Fees:<\/span> Origination fee<\/li>\n                                    <\/ul>\n            <\/div>\n            <div class=\"col-md-6 p-a-0\">\n                <ul>\n                                            <li><span class=\"font-weight-bold\">Discounts:<\/span> None<\/li>\n                                            <li><span class=\"font-weight-bold\">Eligibility:<\/span> Available in all 50 states<\/li>\n                                            <li><span class=\"font-weight-bold\">Customer service:<\/span> Phone, email<\/li>\n                                            <li><span class=\"font-weight-bold\">Soft credit check:<\/span> Yes<\/li>\n                                            <li><span class=\"font-weight-bold\">Min. Income:<\/span> $12,000<\/li>\n                                            <li><span class=\"font-weight-bold\">Loan Uses:<\/span> Payoff credit cards, consolidate debt, relocate, make a large purchase, and other purposes<\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>    <\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"\/personal-loan\/where-can-i-get-a-personal-loan\"><b><i>Where Can I Get a Personal Loan?<\/i><\/b><\/a><\/p>\n<h2>Frequently asked questions about personal loans<\/h2>\n<p>Here are the answers to several commonly asked questions regarding personal loans.<\/p>\n<h3>How do I find the right personal loan for me?<\/h3>\n<p>If you need a personal loan for <a href=\"https:\/\/www.credible.com\/personal-loan\/debt-consolidation-loans\">debt consolidation<\/a>, <a href=\"https:\/\/www.credible.com\/personal-loan\/home-improvement-loans\">home improvements<\/a>, or another purpose, you might not know where to start. To find the right loan for your needs, keep the following points in mind:<\/p>\n<ol>\n<li><b>Always compare multiple loan options.<\/b> Compare loan offers from different financial institutions \u2014 like <a href=\"\/personal-loan\/best-banks-for-personal-loans\">banks<\/a>, credit unions, and <a href=\"\/personal-loan\/best-online-loans\">online lenders<\/a> \u2014 to be sure you\u2019re getting the best loan for your situation.<\/li>\n<li><b>Factor fees into the total loan balance cost.<\/b> Most personal loans have an <a href=\"\/personal-loan\/origination-fee\">origination fee<\/a>, but the type of fee you should watch out for is a prepayment penalty \u2014 you don\u2019t want to end up paying more if you choose to pay the loan off earlier.<\/li>\n<li><b>Take the loan term into consideration.<\/b> With a <a href=\"\/personal-loan\/long-term-personal-loans\">long-term personal loan<\/a>, you\u2019ll have the luxury of a lower monthly loan payment \u2014 but you\u2019ll end up paying more in total interest payments over the life of the loan. If you choose a <a href=\"\/personal-loan\/short-term-loans\">shorter repayment term<\/a>, you\u2019ll pay more each month, but you\u2019ll also save more in the long run. Be sure to weigh the pros and cons of longer versus shorter terms carefully before deciding.<\/li>\n<\/ol>\n<h3>How do I qualify for a personal loan?<\/h3>\n<p>Eligibility criteria for a personal loan can vary by lender. However, there are a few common requirements you\u2019ll likely come across, including:<\/p>\n<ul>\n<li><b>Good credit: <\/b>You\u2019ll typically need good to excellent credit to <a href=\"\/personal-loan\/personal-loan-pre-approval\">qualify for a personal loan<\/a> \u2014 a good credit score is usually considered to be 700 or higher. There are also several lenders that offer <a href=\"\/personal-loan\/bad-credit-loans\">personal loans for bad credit<\/a>, but these loans tend to have higher interest rates compared to <a href=\"\/personal-loan\/best-personal-loans-for-good-credit\">good credit loans<\/a>.<\/li>\n<li><b>Verifiable income: <\/b>Some lenders have a minimum income requirement while others don\u2019t \u2014 but in either case, you\u2019ll likely need to show proof of income.<\/li>\n<li><b>Low debt-to-income ratio: <\/b>Your <a href=\"https:\/\/www.credible.com\/blog\/personal-finance\/calculate-debt-income-ratio\/\">debt-to-income (DTI) ratio<\/a> refers to the amount you owe in monthly debt payments compared to your income. Lenders generally prefer a DTI ratio no higher than 36% for a personal loan \u2014 though some lenders might require a lower ratio than this.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> If you\u2019re struggling to <a href=\"\/personal-loan\/how-to-get-approved\">get approved for a personal loan<\/a>, consider applying with a cosigner. Not all lenders allow cosigners on personal loans, but some do. Even if you don\u2019t need a cosigner to qualify, having one might <a href=\"\/personal-loan\/how-to-get-a-low-interest-loan\">get you a lower interest rate<\/a> than you\u2019d get on your own.<\/p>\n<p>A cosigner can be anyone with good credit \u2014 such as a parent, other relative, or trusted friend \u2014 who is willing to share responsibility for the loan. Keep in mind that this means they\u2019ll be on the hook if you can\u2019t make your payments.<\/div><\/div>\n<p><b><i>Check Out: <\/i><\/b><a href=\"\/personal-loan\/600-credit-score\"><b><i>How to Get a Personal Loan With a 600 Credit Score<\/i><\/b><\/a><\/p>\n<h3>What is the average interest rate on a personal loan?<\/h3>\n<p>The <a href=\"\/personal-loan\/average-personal-loan-rates\">average personal loan interest rates<\/a> received by borrowers with credit scores of at least 720 who used Credible to take out a loan in Sept. 2023, were:<\/p>\n<ul>\n<li>15.79% for a 3-year loan<\/li>\n<li>21.25% for a 5-year loan<\/li>\n<\/ul>\n<p>Keep in mind that <a href=\"\/personal-loan\/best-personal-loan-rates\">personal loan interest rates<\/a> can vary based on your credit score and other factors. In general, the better your credit, the lower the rate you\u2019ll get. Here\u2019s a breakdown of the interest rates you can generally expect based on your <a href=\"\/personal-loan\/credit-score-for-personal-loan\">credit score<\/a>:<\/p>\n\n<table id=\"tablepress-144\" class=\"tablepress tablepress-id-144 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>How's your credit?<\/strong><\/th><th class=\"column-2\"><strong>Credit score range<\/strong><\/th><th class=\"column-3\"><strong>Average minimum rate<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Very good \/ exceptional<\/td><td class=\"column-2\">780 and up<\/td><td class=\"column-3\">15.16%<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Good \/ very good<\/td><td class=\"column-2\">720 - 779<\/td><td class=\"column-3\">18.43%<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Good<\/td><td class=\"column-2\">680 - 719<\/td><td class=\"column-3\">22.18%<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Fair \/ good<\/td><td class=\"column-2\">640 - 679<\/td><td class=\"column-3\">27.04%<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Fair<\/td><td class=\"column-2\">600 - 639<\/td><td class=\"column-3\">29.50%<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Poor\/Fair<\/td><td class=\"column-2\">599 and below<\/td><td class=\"column-3\">30.97%<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td colspan=\"3\" class=\"column-1\"><p style=\"text-align: center;\"><small><strong>Disclosure:<\/strong> <a href=\"#\" rel=\"noopener noreferrer\" data-toggle=\"collapse\" data-target=\"#rate-expectation-disclosure\">This data is for a $10,000 loan amount.<sup>1<\/sup><\/a><\/small><\/p>\n<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"3\" class=\"column-1\"><div id=\"rate-expectation-disclosure\" class=\"collapse\"><div class=\"collapse-content\"><p><em><small><sup>1<\/sup>The average minimum rate was calculated based on Credible.com users who requested personal loan prequalified rates between September 1, 2023, and September 30, 2023, and who received rates through the Credible.com platform. The average minimum rates were calculated across all of the the users within the same credit tier. The credit scores for the users were based on Transunion soft credit pulls, not user self-reported data. If the user received more than one prequalified rate from more than one lender for multiple loan terms (e.g., loan terms between 2-7 years), the minimum prequalified rate received for the user within each data set (e.g., the $10,000 and $20,000 data set) was averaged across all users in the data set, not factoring in the term of the loan. Typically, however, shorter loan terms have lower rates.<\/small><\/em><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> If you have poor credit and can wait to take out a loan, it could be a good idea to spend some time building your credit first. This way, you can qualify for better rates in the future.<\/p>\n<p>There are several strategies that could help you <a href=\"\/blog\/personal-finance\/improve-credit-score\/\">improve your credit score<\/a>, such as making on-time payments on all of your bills and paying down credit card balances.<\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"\/personal-loan\/best-personal-loans-fair-credit\"><b><i>Best Personal Loans for Fair Credit<\/i><\/b><\/a><\/p>\n<h3>How much can I borrow?<\/h3>\n<p>Personal loans generally range from $600 to $100,000 or more, depending on the lender. However, the amount you\u2019ll actually be approved for will depend on your credit as well as your income and existing debt. Keep in mind that lenders might have more stringent requirements for large loan amounts.<\/p>\n<p>With Credible, you can compare your prequalified rates as well as <a href=\"\/personal-loan\/how-much-of-a-personal-loan-can-i-get\">loan amounts<\/a> from multiple lenders in just two minutes.<br \/>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p><span style=\"font-size: x-large;\"><strong>Ready to find your personal loan?<\/strong><\/span><br \/>\nCredible makes it easy to find the right loan for you.<\/p>\n<ul class=\"list--iconCheckmarkSolidCircle accent--isGreen\">\n<li>Free to use, no hidden fees<\/li>\n<li>One simple form, easy to fill out and your info is protected<\/li>\n<li>More options, pick the loan option that best fits your personal needs<\/li>\n<li>Here for you. Our team is here to help you reach your financial goals<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loan\">Find My Rate<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><b><i>Check Out: <a href=\"https:\/\/www.credible.com\/personal-loan\/low-income-loan\">Low-Income Personal Loans: How and Where To Get One<\/a><\/i><\/b><\/p>\n<h3>How long do you have to pay off a personal loan?<\/h3>\n<p>You\u2019ll generally have one to seven years to pay off a personal loan, depending on the lender. If you need a lower monthly payment, choosing a longer term to spread out your payments could be a good choice. But remember that this also means you\u2019ll pay more in interest over time.<\/p>\n<p>In general, it\u2019s best to choose the shortest term you can afford to keep your interest charges as low as possible. Additionally, many lenders offer lower interest rates with shorter terms, which could help reduce your overall loan cost.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"\/blog\/personal-loan\/boat-loans\/\"><b><i>Boat Loans: Calculate How Much Boat Financing Could Cost You<\/i><\/b><\/a><\/p>\n<h3>What are my loan repayment options?<\/h3>\n<p>A personal loan is a type of <a href=\"\/personal-loan\/best-installment-loans\">installment loan<\/a>, which means you\u2019ll make monthly payments in equal installments over time. Depending on the lender, you might have a variety of payment options, such as:<\/p>\n<ul>\n<li>Automated Clearing House (ACH) via your bank account<\/li>\n<li>Paper check, cashiers check, or money order<\/li>\n<li>Debit or credit card<\/li>\n<\/ul>\n<p>If you want to avoid missing any future payments, it\u2019s usually a good idea to sign up for autopay. Opting for automatic payments could score you a rate discount, too \u2014 typically 0.25%, depending on the lender.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip:<\/b> Many lenders also allow you to <a href=\"\/personal-loan\/pay-off-loan-early\">pay off your loan early<\/a> with no prepayment penalties \u2014 including each of Credible\u2019s partner lenders. If you plan to repay your loan ahead of schedule, double-check with your lender that there won\u2019t be any fees assessed for doing so.<\/div><\/div>\n<h3>What are the benefits of personal loans?<\/h3>\n<p>Personal loans offer several potential benefits, including:<\/p>\n<ul>\n<li><b>Variety of uses: <\/b>You can <a href=\"\/personal-loan\/what-are-personal-loans-used-for\">use a personal loan<\/a> for almost any personal expenses, such as home improvements, major purchases, and more. You could also opt to <a href=\"https:\/\/www.credible.com\/personal-loan\/credit-card-consolidation-loans\">consolidate credit card debt<\/a> or other kinds of debt with a personal loan, which could get you a lower interest rate and help you pay off your debt faster.<\/li>\n<li><b>Fixed rates: <\/b>Personal loans generally have fixed interest rates \u2014 meaning your monthly payments won\u2019t ever change.<\/li>\n<li><b>Long repayment terms:<\/b> You could have up to seven years to pay off a personal loan, depending on the lender.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"\/personal-loan\/credit-card-consolidation-loans\/pay-off-credit-card-debt\"><b><i>How To Pay Off Credit Card Debt<\/i><\/b><\/a><\/p>\n<h3>How can I spot a personal loan scam?<\/h3>\n<p>Unfortunately, there are plenty of scam artists willing to take advantage of borrowers desperate for a personal loan. Here are a few warning signs of <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/personal-loan-scams\/\">personal loan scams<\/a> to watch out for:<\/p>\n<ul>\n<li><b>Demanding money upfront: <\/b>You should never have to pay money before getting your loan funds. A scammer might demand that you pay strange fees or require unusual payment methods that can\u2019t be tracked, such as a prepaid credit card.<\/li>\n<li><b>Using high-pressure sales tactics: <\/b>Scammers will often pressure borrowers to make an instant decision \u2014 for example, they might use language like \u201climited-time offer\u201d or \u201cact now.\u201d<\/li>\n<li><b>Not requiring a credit check: <\/b>Personal loan lenders usually perform a credit check to determine your creditworthiness. While there are some <a href=\"\/personal-loan\/no-credit-check-loans\">no-credit-check personal loans<\/a> (like <a href=\"\/personal-loan\/what-are-payday-loans\">payday loans<\/a>, pawn shop loans, and car title loans), other companies promising not to check your credit are likely a scam.<\/li>\n<li><b>Approaching you about the loan:<\/b> Some lenders advertise through the mail with preapproved loan offers. But if a loan company approaches you out of the blue with an offer, it could be a scam.<\/li>\n<li><b>Not having a physical address: <\/b>A legitimate loan company should have a physical address that you can verify. If you can\u2019t find location information for the lender, it could be a front for a scam.<\/li>\n<li><b>Not feeling comfortable with the company:<\/b> Trust your instincts \u2014 if something feels off, it probably is.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"\/blog\/personal-loan\/auto-loans\/\"><b><i>Auto Loans for All Credit Types<\/i><\/b><\/a><\/p>\n<h3>What is the difference between a personal loan and a payday loan?<\/h3>\n<p>If you need to borrow money quickly, you might come across a few loan options \u2014 including <a href=\"\/personal-loan\/payday-loans-vs-personal-loans\">personal loans and payday loans<\/a>. Here\u2019s how the two differ:<\/p>\n<ul>\n<li><b>Personal loans<\/b> are offered by online lenders, banks, and credit unions. With a personal loan, you might be able to borrow $600 up to $100,000 or more, depending on the lender. Because these loans are unsecured and are riskier for lenders, you\u2019ll typically need good to excellent credit as well as verifiable income to qualify.<\/li>\n<li><b>Payday loans<\/b> are small, short-term loans provided by payday lenders that usually range from $50 to $1,000. These loans generally don\u2019t require a credit check, which might make them appealing if you\u2019re struggling to get approved by other lenders. But payday loans often come with high rates and fees \u2014 as much as 300% to 500% APR. Because of this, they can be extremely expensive and should only be used as a last resort.<\/li>\n<\/ul>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Watch out for predatory lenders!<\/b> Many payday loans can be considered predatory \u2014 meaning they come with terms that are unfair or abusive toward borrowers, such as extremely high rates and fees. Predatory lending often targets borrowers with bad credit who are desperate for a loan, but anyone could end up being a victim if they\u2019re not careful.<\/p>\n<p>If you have poor or <a href=\"\/personal-loan\/best-personal-loans-fair-credit\">fair credit<\/a>, remember that you have options. There are several lenders that offer personal loans for bad credit \u2014 while these loans tend to have higher interest rates compared to good credit loans, they\u2019ll likely be much less expensive than a predatory payday loan. You could also consider applying with a creditworthy cosigner to improve your approval chances.<\/div><\/div>\n<h3>Secured vs. unsecured loans: What is the difference?<\/h3>\n<p>There are two kinds of personal loans available, including<\/p>\n<ul>\n<li><b><a href=\"\/personal-loan\/secured-vs-unsecured-loan\">Secured personal loans<\/a>:<\/b> While most personal loans are unsecured, some lenders offer secured loans that require collateral \u2014 for example, a vehicle or jewelry. Because these loans are less risky for lenders, they tend to come with lower interest rates compared to unsecured loans. You might also have an easier time qualifying for a secured loan if you have poor or fair credit. Just keep in mind that if you can\u2019t keep up with your payments, you risk losing your property.<\/li>\n<li><b><a href=\"\/personal-loan\/best-unsecured-loans\">Unsecured personal loans<\/a>:<\/b> Unlike secured loans, unsecured loans don\u2019t require collateral. These loans are riskier for lenders, so you\u2019ll typically need good to excellent credit to qualify. However, while missing payments will damage your credit, it won\u2019t lead to the loss of your property.<\/li>\n<\/ul>\n<h3>Which is better: a personal loan, credit card, line of credit, or home equity loan?<\/h3>\n<p>While taking out a personal loan could be a good option in some circumstances, it isn\u2019t the right move for everyone. Here\u2019s how a few other options compare to personal loans so you can decide which is best for your situation:<\/p>\n<ul>\n<li><b><a href=\"\/personal-loan\/personal-loan-vs-0-apr-credit-card\">Credit card<\/a>: <\/b>This is a type of revolving credit that lets you repeatedly draw on and pay off your credit line. This could be helpful if you\u2019re not sure how much you need to borrow, or if you need to cover recurring expenses. Additionally, some cards come with a 0% APR introductory period, meaning you could avoid paying interest if you can repay your balance before this period ends. However, if you can\u2019t pay off your card in time, you could get stuck with some hefty interest charges \u2014 and credit cards usually have higher interest rates than personal loans.<\/li>\n<li><b><a href=\"\/personal-loan\/pros-and-cons-of-personal-line-of-credit\">Personal lines of credit<\/a>: <\/b>This is another kind of revolving credit. If you\u2019re considering a personal line of credit vs. a personal loan, keep in mind that personal lines of credit tend to have lower rates than credit cards but higher rates than personal loans. Additionally, a line of credit might come with additional fees depending on the lender, such as annual fees, late fees, or overdraft fees.<\/li>\n<li><b>Home equity loan: <\/b>If you\u2019re a homeowner, you might be able to tap into the equity of your home with a home equity loan. Because this type of loans is secured by your house, you\u2019ll likely get a lower interest rate on a <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/home-equity-loan-vs-personal-loan\/\">home equity loan vs. a personal loan<\/a>. But keep in mind that you risk losing your home if you can\u2019t make your payments.<\/li>\n<li><b><a href=\"\/personal-loan\/heloc-vs-personal-loan\">HELOC<\/a>: <\/b>Another option to access your home\u2019s equity is with a home equity line of credit (HELOC). Unlike a home equity loan that provides a lump-sum payment, a HELOC gives you access to a revolving credit line similar to a credit card. A HELOC often comes with a lower rate than a personal loan because it\u2019s secured by your house \u2014 but this also means you could lose your home if you can\u2019t keep up with your payments.<\/li>\n<\/ul>\n\n<table id=\"tablepress-805\" class=\"tablepress tablepress-id-805 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Average interest rate<\/strong><\/th><th class=\"column-3\"><strong>Repayment terms<\/strong><\/th><th class=\"column-4\"><strong>Time to fund<\/strong><\/th><th class=\"column-5\"><strong>Pros<\/strong><\/th><th class=\"column-6\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Personal loan<\/strong><\/td><td class=\"column-2\">16.66%<\/td><td class=\"column-3\">1 to 7 years<br \/>\n<small>(depending on lender)<\/small><\/td><td class=\"column-4\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li><b>Online lenders:<\/b> Less than 5 business days<\/li><li><b>Banks:<\/b> 1-7 business days<\/li><li><b>Credit unions:<\/b> 1-7 business days<\/li><\/ul><\/div><\/td><td class=\"column-5\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Fixed rates<\/li><li>Long repayment terms<\/li><li>Many lenders offer quick online application with fast approval decisions<\/li><\/ul><\/div><\/td><td class=\"column-6\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Fewer options for poor or fair credit<\/li><li>Might come with origination or other fees<\/li><li>No rewards or other perks<\/li><\/ul><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Credit card<\/strong><\/td><td class=\"column-2\">24.12%<\/td><td class=\"column-3\">N\/A (revolving credit)<\/td><td class=\"column-4\">Immediate<\/td><td class=\"column-5\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Provides repeated access to credit line<\/li><li>Could come with 0% APR introductory offer<\/li><li>Might offer rewards or other perks<\/li><\/ul><\/div><\/td><td class=\"column-6\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Higher rates than personal loans and home equity loans<\/li><li>Might come with fees, such as annual or cash-advance fees<\/li><li>Could be tempting to rack up a balance<\/li><\/ul><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Personal line of credit<\/strong><\/td><td class=\"column-2\">Depends on lender<\/td><td class=\"column-3\">N\/A (revolving credit)<\/td><td class=\"column-4\">Immediate<\/td><td class=\"column-5\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Offers repeated access to credit line<\/li><li>Can sometimes provide overdraft protection<\/li><li>No collateral required<\/li><\/ul><\/div><\/td><td class=\"column-6\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Higher rates than personal loans and home equity loans<\/li><li>Often come with variable rates, which can fluctuate over time<\/li><li>Might charge fees, such as annual or late fees<\/li><\/ul><\/div><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Home equity loan<\/strong><\/td><td class=\"column-2\">Between 8% and 10%<\/td><td class=\"column-3\">5 to 30 years<br \/>\n<small>(depending on lender)<\/small><\/td><td class=\"column-4\">Could take a few weeks<br \/>\n<small>(depending on complexity of the loan)<\/small><\/td><td class=\"column-5\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Lower rates than personal loans<\/li><li>Fixed repayment terms<\/li><li>No restrictions on how you can use the money<\/li><\/ul><\/div><\/td><td class=\"column-6\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Uses your home as collateral<\/li><li>Similar closing costs and fees to traditional mortgage<\/li><li>Fewer options for poor and fair credit<\/li><\/ul><\/div><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>HELOC<\/strong><\/td><td class=\"column-2\">Between 8% and 10%<\/td><td class=\"column-3\">N\/A (revolving credit)<\/td><td class=\"column-4\">Could take a few weeks<br \/>\n<small>(depending on complexity of the loan)<\/small><\/td><td class=\"column-5\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Lower rates than personal loans<\/li><li>Interest might be tax-deductible if you use the funds for home improvements<\/li><li>No restrictions on how you can use the money<\/li><\/ul><\/div><\/td><td class=\"column-6\"><div style=\"text-align: left; padding:0px 15px;\"><ul><li>Uses your home as collateral<\/li><li>Come with variable rates that can fluctuate over time<\/li><li>Similar closing costs and fees to traditional mortgage<\/li><\/ul><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>If you decide to <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/get-personal-loan\/\">get a personal loan<\/a>, remember to consider as many lenders as you can to find the right loan for you. Credible makes this easy \u2014 you can compare your prequalified rates from multiple lenders in two minutes.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p><span style=\"font-size: x-large;\"><strong>Ready to find your personal loan?<\/strong><\/span><br \/>\nCredible makes it easy to find the right loan for you.<\/p>\n<ul class=\"list--iconCheckmarkSolidCircle accent--isGreen\">\n<li>Free to use, no hidden fees<\/li>\n<li>One simple form, easy to fill out and your info is protected<\/li>\n<li>More options, pick the loan option that best fits your personal needs<\/li>\n<li>Here for you. Our team is here to help you reach your financial goals<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loan\">Find My Rate<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><b><i>Keep Reading: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/does-debt-consolidation-hurt-credit\/\"><b><i>How Debt Consolidation Loans Can Help Your Credit Score<\/i><\/b><\/a><\/p>\n<hr \/>\r\n\r\n<a name=\"pl-disclosures\"><\/a>\r\n<p style=\"text-align: left;\"><small><em><strong>About Rates and Terms:\u00a0<\/strong>Rates for personal loans provided by lenders on the Credible platform range between 5.20%-35.99% APR with terms from 12 to 144 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and\/or shown and will be based on the lender\u2019s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and\/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower\u2019s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR\/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of October 9, 2023, none of the personal loan lenders on our platform require a down payment nor do they charge any prepayment penalties.<\/em><\/small><\/p>\n<p><em><small><strong>Prequalified rates disclosure:<\/strong> Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and\/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and\/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.<\/small><\/em><\/p>\n<p><em><small>Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/small><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can use the personal loan calculator to estimate your payments for a loan as well as the overall cost. Several factors influence your estimated payment, including the loan amount, repayment terms, and the APR.&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/calculators\/personal-loan-calculator\/\">Continue reading<\/a><\/p>\n","protected":false},"author":113,"featured_media":38416,"parent":4899,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-18271","page","type-page","status-publish","has-post-thumbnail","hentry","personal-loan-calculator"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal Loan Calculator: See Your Payments On a Loan | Credible<\/title>\n<meta name=\"description\" content=\"With Credible\u2019s personal loan calculator, you can estimate your monthly and long-term loan costs before you borrow. 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