{"id":2259,"date":"2016-01-20T16:47:42","date_gmt":"2016-01-21T00:47:42","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=2259"},"modified":"2022-09-21T10:11:10","modified_gmt":"2022-09-21T17:11:10","slug":"medical-school-residency-loans","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/medical-school-residency-loans\/","title":{"rendered":"Medical Residency and Relocation Loans"},"content":{"rendered":"<p>Finishing medical school and getting ready for your residency is a huge step. But chances are, you\u2019re going to need some financial help \u2014 like residency loans \u2014 to cover your expenses while you complete your program.<\/p>\n<p>Students typically spend between $1,000 and $11,580 on residency interview costs alone, according to the <a href=\"https:\/\/students-residents.aamc.org\/financial-aid\/article\/cost-residency-interviews\/\">Association of American Medical Colleges<\/a>. If you don\u2019t have enough money in savings to pay for those expenses, you can use residency loans to pay for board examination fees, residency application fees, and travel costs.<\/p>\n<p><b>Here\u2019s what you need to know before taking out residency loans:<\/b><\/p>\n<ul>\n<li><a href=\"#what-are-residency-loans\">What are residency loans?<\/a><\/li>\n<li><a href=\"#loan-options-for-medical-residencies\">2 loan options for medical residencies<\/a><\/li>\n<li><a href=\"#how-to-take-out-residency-relocation-loan\">How to take out a residency relocation loan<\/a><\/li>\n<li><a href=\"#using-personal-loans-to-cover-medical-residency-expenses\">Using personal loans to cover medical residency expenses<\/a><\/li>\n<li><a href=\"#faq-about-residency-loans\">Residency loan FAQs<\/a><\/li>\n<\/ul>\n<p><a name=\"what-are-residency-loans\"><\/a><\/p>\n<h2>What are residency loans?<\/h2>\n<p>Before you can begin your residency, there are a number of costs you need to worry about to even secure your position. Residency loans are designed to help you cover these expenses.<\/p>\n<p>Some fees that you should expect to pay include:<\/p>\n<ul>\n<li><b>Electronic Residency Application Service (ERAs) fees: <\/b>The ERAS is a centralized application program you\u2019ll use to apply to residency programs. You can apply to up to 10 programs for $99.<\/li>\n<li><b>National Resident Matching Program (NRMP) Standard Applicant Fee:<\/b> This is what you\u2019ll pay to join the NRMP system, which is necessary to get matched to a residency program. The standard fee is $85.<\/li>\n<li><b>United States Medical Licensing Examination transcript access: <\/b>You must grant transcript access along with your applications. The cost is typically about $80.<\/li>\n<\/ul>\n<p>In addition, you should account for travel, meals, and lodging expenses \u2014 all of which can mean you\u2019ll need to take out more money in <a href=\"https:\/\/www.credible.com\/student-loans\">student loans<\/a>.<\/p>\n<p>Once you get a residency position, you might also have to move to a new location. This can mean you\u2019ll need to come up with even more money before you start earning an income. A residency relocation loan could help you <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/moving-loans\/\">pay for your moving costs<\/a>.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>What\u2019s the average residency salary?<\/b> After you start working, your salary will be relatively modest, especially considering the high cost of medical school. The average first-year resident makes approximately $60,000, according to the <a href=\"https:\/\/www.ama-assn.org\/residents-students\/resident-student-finance\/6-things-medical-students-should-know-about-physician\">American Medical Association<\/a>.<\/div><\/div>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-pay-for-medical-school\/\"><i>How to Pay for Medical School<\/i><\/a><\/p>\n<p><a name=\"loan-options-for-medical-residencies\"><\/a><\/p>\n<h2>2 loan options for medical residencies<\/h2>\n<p>Some private student loan lenders offer loans specifically for residencies. These two Credible partner lenders offer residency loans:<\/p>\n\n<table id=\"tablepress-313\" class=\"tablepress tablepress-id-313 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<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Loan amount<\/strong><\/th><th class=\"column-3\"><strong>Loan terms<\/strong><\/th><th class=\"column-4\"><strong>Eligibility<\/strong><\/th><th class=\"column-5\"><strong>Grace period<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><img src=https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/04\/citizens_logo_updated_trans-png.png\" alt=\"citizens bank\" width=\"100\" class=\"alignnone size-full wp-image-8069\" \/><\/td><td class=\"column-2\">$1,000 - $20,000<br \/>\n<small>($350,000 aggregate loan limit)<\/small><\/td><td class=\"column-3\">5 or 10 years<\/td><td class=\"column-4\">Must have graduated from medical school within past 12 months or be enrolled at least half time in your second or later year of medical studies<\/td><td class=\"column-5\">Up to 4 years while you're in a residency program<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><img decoding=\"async\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/02\/SM_Blue_Alt.png\" alt=\"sallie mae\" width=\"90\" class=\"alignnone size-full wp-image-8069\" \/><\/td><td class=\"column-2\">$1,000 up to 100% of school-certified cost of attendance<\/td><td class=\"column-3\">10 to 20 years<\/td><td class=\"column-4\">Must be enrolled at least half time in your final year of study at a participating school, or have graduated from one within the past 12 months<\/td><td class=\"column-5\">3 years after graduation or 9 months after leaving school<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td colspan=\"5\" class=\"column-1\"><center><b>Compare rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>Citizens residency loans<\/h3>\n<p>Whether you need money to relocate or to cover the board exam review, a Citizens residency loan could help you with your expenses. Citizens also allows those in residency to extend their loan deferment for up to 48 months \u2014 longer than Sallie Mae\u2019s deferment period.<\/p>\n<p><b>Here are a few points to know about Citizens residency loans:<\/b><\/p>\n<ul>\n<li>Borrow up to $20,000 for an MD, DMD, DDS, OD, DO, PharmD, DPM, or DVM residency<\/li>\n<li>Available to international students with a cosigner with good credit who is a U.S. citizen or permanent resident<\/li>\n<li>No application, origination, or late fees<\/li>\n<li>Immediate, in-school interest only, or deferred repayment options<\/li>\n<\/ul>\n<p><em><strong>Check Out:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/pharmacy-school-loans\/\">10 Best Private Student Loans for Pharmacy School<\/a><\/em><\/p>\n<h3>Sallie Mae residency loans<\/h3>\n<p>Sallie Mae offers higher loan amounts than Citizens, which could make it a good option.<\/p>\n<p><strong>Here are some of the key points regarding Sallie Mae residency loans:<\/strong><\/p>\n<ul>\n<li>Borrow up to $30,000 for allopathic, osteopathic, podiatric, or veterinary medicine<\/li>\n<li>No origination fee or prepayment penalty<\/li>\n<li>Cosigner release available after 12 consecutive, on-time monthly payments<\/li>\n<li>Defer payments until three years after graduation or nine months after you leave school or drop to less than half-time status<\/li>\n<\/ul>\n<p><em><strong>Also Read:<\/strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/nursing-school-cost\/\">Nursing School Cost and How to Pay For It<\/a><\/em><\/p>\n<p><a name=\"how-to-take-out-residency-relocation-loan\"><\/a><\/p>\n<h2>How to take out a residency relocation loan<\/h2>\n<p>To take out a residency relocation loan or personal loan, follow these three steps:<\/p>\n<h3>1. Review eligibility criteria<\/h3>\n<p>Before applying for a residency loan, make sure you can meet the lender\u2019s requirements. While the requirements vary from lender to lender, you\u2019ll generally have to meet the following criteria:<\/p>\n<ul>\n<li>You must have graduated from medical school within the past 12 months or be enrolled in your final year of study in a graduate health professions program. This requirement doesn\u2019t apply to personal loans.<\/li>\n<li>Generally, you must be at least 18 years old, though some lenders allow younger students to apply.<\/li>\n<li>Typically, you must be a U.S. citizen or permanent resident. Some lenders, such as Citizens, allow international students to apply if you have a cosigner who is a U.S. citizen or permanent resident.<\/li>\n<li>You must pass a credit check.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/20000-loan\/\"><i>How to Get a $20,000 Personal Loan<\/i><\/a><\/p>\n<h3>2. Consider adding a cosigner<\/h3>\n<p>If your credit is less than stellar, you might not pass the credit check to be approved for a loan. But you have another option: You might be able to qualify for a residency loan by adding a cosigner to your application.<\/p>\n<p>A cosigner is someone with good to excellent credit and reliable income who adds their name to your application. Having a cosigner could improve your odds of qualifying for a loan and might get you a lower interest rate. Also keep in mind that a cosigner is responsible for the loan if you fall behind on your payments.<\/p>\n<h3>3. Compare offers<\/h3>\n<p>Before applying for a loan, make sure to shop around and compare as many residency loan lenders as possible to find the right loan for you. Credible makes this easy \u2014 you can compare rates from multiple lenders in two minutes.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Compare student loan rates from top lenders<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li>Multiple lenders compete to get you the best rate<\/li>\n<li>Get actual rates, not estimated ones<\/li>\n<li>Finance almost any degree<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\">See Your Rates<\/a><\/p>\n<p><small>Checking rates will not 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><a name=\"using-personal-loans-to-cover-medical-residency-expenses\"><\/a><\/p>\n<h2>Using personal loans to cover medical residency expenses<\/h2>\n<p>As an alternative to residency loans, you could consider a <a href=\"https:\/\/www.credible.com\/personal-loan\">personal loan<\/a>. Personal loans don&#8217;t have the same restrictions as a residency loan, which means you might be able to borrow more money, depending on the lender.<\/p>\n<p>If you\u2019re approved, you can usually get the funds deposited into your account within five business days. This means a personal loan could be a good option if you need money quickly.<\/p>\n<p>Keep in mind, though, that you\u2019ll need decent credit as well as verifiable income to qualify for a personal loan. Also, because personal loans have shorter repayment terms than residency loans, your monthly payments might be higher in comparison.<\/p>\n<p>Here are a few things to know about personal loans:<\/p>\n<ul>\n<li>Borrow up to $100,000, depending on the lender<\/li>\n<li>Many lenders have no prepayment penalties, but some do have origination fees<\/li>\n<li>Fixed interest rates only<\/li>\n<li>Repayment terms of one to seven years, depending on the lender<\/li>\n<li>Immediate repayment<\/li>\n<\/ul>\n<p>If you decide to take out a personal loan, be sure to shop around and consider as many lenders as possible. You can compare rates from multiple lenders in two minutes with Credible. Here are our partner lenders that offer personal loans:<\/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<p><a name=\"faq-about-residency-loans\"><\/a><\/p>\n<h2>Residency loan FAQs<\/h2>\n<p>Here are answers to some commonly asked questions about residency loans.<\/p>\n<h3>When should I apply for a residency loan?<\/h3>\n<p>Unlike other private student loans or federal student loans, which can take several weeks or even months to process, residency loans and personal loans are processed much more quickly. This is because the amounts don\u2019t have to be certified by your school.<\/p>\n<p>You can apply for a residency loan, get approved, and usually receive your money within just a few days.<\/p>\n<h3>Can I use federal loans for my residency relocation expenses?<\/h3>\n<p>Your residency-related expenses aren\u2019t typically certified by your school, which means they aren\u2019t eligible for financial aid like <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\">federal student loans<\/a>. If you need help covering the cost, you\u2019ll have to find alternative financing through private residency loans or personal loans.<\/p>\n<h3>What\u2019s the difference between a residency relocation loan and a personal loan?<\/h3>\n<p>While residency relocation loans and personal loans can be used for the same expenses, they differ in several ways:<\/p>\n<ul>\n<li><b>Residency loans:<\/b> These are designed specifically for students completing their medical residency and have similar features to <a href=\"https:\/\/www.credible.com\/student-loans\/medical-school-loans\">medical school loans<\/a>. You can choose to defer your payments until after you graduate and start your residency, and you\u2019ll typically have up to 20 years to repay your loan.<\/li>\n<li><b>Personal loans:<\/b> Unlike residency loans, you can\u2019t defer personal loan payments. Repayment terms tend to be much shorter, too \u2014 usually seven years or less, depending on the lender. The <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/time-to-fund\/\">time to fund<\/a> a personal loan is usually less than a week.<\/li>\n<\/ul>\n<h3>How much can I borrow with a residency loan?<\/h3>\n<p>With residency relocation loans, you might be able to borrow up to $30,000 to cover the cost of board examination fees, travel, and moving expenses related to your residency. But that doesn\u2019t mean you should borrow the maximum amount you\u2019re allowed.<\/p>\n<p>Be sure to borrow only what you absolutely need to complete your residency. This way, you\u2019ll minimize interest charges and how much you have to pay off in the future.<\/p>\n<h3>When do I start making payments on my residency loan?<\/h3>\n<p>When you start making payments depends on your loan type and repayment plan. Here are some of the common payment options:<\/p>\n<ul>\n<li><b>Immediate repayment:<\/b> You\u2019ll start paying the principal and interest right away.<\/li>\n<li><b>Interest-only payment:<\/b> You\u2019ll pay only the interest that accrues on the loan during school.<\/li>\n<li><b>Fixed-payments:<\/b> You\u2019ll make fixed payments during school. For example, you might pay $25 per month until you graduate and during a post-graduation grace period and then make full payments.<\/li>\n<li><b>Deferred payments:<\/b> If you\u2019re eligible for deferred payments, you won\u2019t make any payments at all until after you graduate and start your residency or until your enrollment status drops below half-time.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Finishing medical school and getting ready for your residency is a huge step. But chances are, you\u2019re going to need some financial help \u2014 like residency loans \u2014 to cover your expenses while you complete&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/medical-school-residency-loans\/\">Continue reading<\/a><\/p>\n","protected":false},"author":28,"featured_media":36190,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1498],"class_list":["post-2259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-medical-school","medical-school-residency-loans","post_tag-medical-school"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Medical Residency and Relocation Loans | Credible<\/title>\n<meta name=\"description\" content=\"You can use residency loans to pay for application fees, interview expenses, travel costs, and relocating for your residency.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/student-loans\/medical-school-residency-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medical Residency and Relocation Loans | Credible\" \/>\n<meta property=\"og:description\" content=\"You can use residency loans to pay for application fees, interview expenses, travel costs, and relocating for your residency.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/student-loans\/medical-school-residency-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta 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