{"id":30294,"date":"2019-01-10T10:45:34","date_gmt":"2019-01-10T18:45:34","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=30294"},"modified":"2023-04-10T13:47:43","modified_gmt":"2023-04-10T20:47:43","slug":"where-to-get-a-personal-loan","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/personal-loan\/where-to-get-a-loan\/","title":{"rendered":"Where to Get a Personal Loan"},"content":{"rendered":"<p>A few types of lenders offer personal loans, including online lenders, banks, and credit unions. Each lender has its own requirements and terms, so it\u2019s important to shop around and consider your options to find the right loan for your needs.<\/p>\n<p><b>Here\u2019s what you should know about where to get a personal loan (and how to qualify for one):<\/b><\/p>\n<ul>\n<li><a href=\"#online-lenders\">Online lenders<\/a><\/li>\n<li><a href=\"#banks\">Banks<\/a><\/li>\n<li><a href=\"#credit-unions\">Credit unions<\/a><\/li>\n<li><a href=\"#how-to\">How to compare personal loan lenders<\/a><\/li>\n<li><a href=\"#what-you-need\">What you\u2019ll need to get a personal loan<\/a><\/li>\n<\/ul>\n<p><a name=\"online-lenders\"><\/a><\/p>\n<h2>Online lenders<\/h2>\n<p>A variety of online lenders offer personal loans. Keep in mind that the <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/best-personal-loan-lenders\/\">best personal loan lenders<\/a> provide low interest rates and a variety of repayment terms. Some also provide other features with their loans \u2014 such as no origination fees or no late fees.<\/p>\n<p>Getting a personal loan from an online lender is often much faster compared to taking out a loan through a bank or credit union, which could make it a good choice if you need your funds quickly. Online lenders often have an easy application process, and <a href=\"https:\/\/www.credible.com\/blog\/yahoo\/8-personal-loan-lenders-that-accept-cosigners\/\">many lenders allow cosigners<\/a> for borrowers with poor or fair credit.<\/p>\n\n<table id=\"tablepress-585\" class=\"tablepress tablepress-id-585 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>Min. credit score<\/strong><\/th><th class=\"column-5\"><strong>Loan terms (years)<\/strong><\/th><th class=\"column-6\"><strong>Check Rates<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"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\">550<\/td><td class=\"column-5\">2, 3, 4, 5*<\/td><td class=\"column-6\"><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=\"6\" 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=\"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\">600<\/td><td class=\"column-5\">2, 3, 4, 5<\/td><td class=\"column-6\"><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=\"6\" 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-6\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img 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\">660<\/td><td class=\"column-5\">3, 4, 5, 6, 7<\/td><td class=\"column-6\"><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=\"6\" 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-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=\"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\">640<\/td><td class=\"column-5\">2, 3, 4, 5<\/td><td class=\"column-6\"><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=\"6\" 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-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=\"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\">660<\/td><td class=\"column-5\">3, 5<\/td><td class=\"column-6\"><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=\"6\" 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-12\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"507\" height=\"181\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint.png 507w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint-300x107.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/lendingpoint-150x54.png 150w\" sizes=\"(max-width: 507px) 100vw, 507px\" \/>            <\/div>\n        <br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/lendingpoint\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div 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=\"#lending-point\" 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\">$2,000 to $36,500<\/td><td class=\"column-4\">660<\/td><td class=\"column-5\">2, 3, 4, 5, 6<\/td><td class=\"column-6\"><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=\"6\" class=\"column-1\">            <div id=\"lending-point\" 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                                660<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $2,000 to $36,500<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                2, 3, 4, 5, 6<\/li>\n                                                <li><span class=\"font-weight-bold\">Time to fund:<\/span>\n                                As soon as the next business day<\/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\">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                                $20,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, 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=\"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\">540<\/td><td class=\"column-5\">2, 3, 4, 5<\/td><td class=\"column-6\"><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=\"6\" 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-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=\"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\">560<\/td><td class=\"column-5\">3, 5<\/td><td class=\"column-6\"><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=\"6\" 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-18\">\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        <\/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\">600<\/td><td class=\"column-5\">2, 3, 5, 6<\/td><td class=\"column-6\"><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=\"6\" 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-20\">\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\">620<\/td><td class=\"column-5\">3 or 5 years<sup>4<\/sup><\/td><td class=\"column-6\"><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=\"6\" 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-22\">\n\t<td colspan=\"6\" class=\"column-1\"><center><b>Compare personalized 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-23\">\n\t<td colspan=\"6\" class=\"column-1\"><center>All APRs reflect autopay and loyalty discounts where available |\u00a0<a href=\"https:\/\/www.credible.com\/a\/lightstream-payment-example\/\" target=\"_blank\" rel=\"noopener noreferrer\">LightStream disclosure<\/a>\u00a0| <a href=\"https:\/\/www.credible.com\/a\/sofi-personal-loan-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\"><sup>10<\/sup>SoFi Disclosures <\/a>| <a href=\"#pl-disclosures\">Read more about Rates and Terms<\/a><\/center><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>Pros and cons of online lenders<\/h3>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li><b>Easy application process:<\/b> Online lenders generally provide a quick and easy application process, and you might get an approval decision within minutes.<\/li>\n<li><b>Faster loan funding: <\/b>If you\u2019re approved for a loan from an online lender, you can typically expect to get your funds within five business days \u2014 faster than many banks and credit unions.<\/li>\n<li><b>Lower rates and fees: <\/b>Online-only lenders don\u2019t have to worry about as many overhead costs as brick-and-mortar lenders, which can sometimes translate into savings for borrowers with lower rates and fewer fees.<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li><b>Fewer options for poor or fair credit: <\/b>You\u2019ll generally need good to excellent credit to qualify for a personal loan. If you have poor or fair credit, you might have an easier time getting approved for a loan with your current bank or credit union. But many lenders allow cosigners for borrowers, which can improve your chances of getting your loan application approved.<\/li>\n<li><b>No in-person locations: <\/b>Online-only lenders don\u2019t have physical locations. If you prefer in-person service, another type of lender could be a better fit for you.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/personal-loan-scams\/\"><i>How to Check If a Personal Loan Company Is Legitimate<\/i><\/a><\/p>\n<p><a name=\"banks\"><\/a><\/p>\n<h2>Banks<\/h2>\n<p>Not all banks offer personal loans, but if you already have an existing account with a traditional bank, it\u2019s a good idea to ask if they do. Existing customers might even qualify for a personal loan just for having an account at the bank.<\/p>\n<p>While great credit can ensure you\u2019re eligible for a bank loan, you might find a better interest rate or loan term at other financial institutions. Sometimes, the loan application process at banks is longer and requires more paperwork than other lenders. Try to compare getting a loan from a bank to other places.<\/p>\n<h3>Pros and cons of banks<\/h3>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li><b>Loyalty discounts: <\/b>Many banks offer rate discounts on loans to borrowers who already have an account with them.<\/li>\n<li><b>Physical locations:<\/b> If you prefer in-person service, taking out a personal loan with a bank that has physical locations could be a better experience for your needs.<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li><b>Not all banks offer personal loans: <\/b>While some banks offer personal loans, not all of them do.<\/li>\n<li><b>Might need to already have an account:<\/b> Depending on the bank you choose, you might need to have an existing account in order to apply for a loan.<\/li>\n<li><b>Could have higher rates and fees:<\/b> Because banks have greater overhead costs compared to online lenders, their loans sometimes come with higher rates and fees.<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/low-income-loans\/\"><i>Low-Income Loans: Personal Loans for a Tight Budget<\/i><\/a><\/p>\n<p><a name=\"credit-unions\"><\/a><\/p>\n<h2>Credit unions<\/h2>\n<p><a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/credit-union-loans\/\">Credit unions<\/a> are another place to look to get a loan. Because credit unions are not-for-profit organizations, they sometimes offer lower rates and fees on personal loans than other lenders. Additionally, approval ratings are higher for those with bad credit compared to banks.<\/p>\n<p>The downside is that you\u2019ll have to become a credit union member before qualifying for a loan. Requirements to join vary by credit union, but you usually need to be a member for a certain period of time \u2014 a month, for example \u2014 before receiving a loan. Just like banks and other lenders, make sure you check out your local credit union loan offers before signing up.<\/p>\n<h3>Pros and cons of credit unions<\/h3>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li><b>Lower rates and fees:<\/b> Because credit unions are nonprofit organizations, they often have lower rates and fees compared to other lenders.<\/li>\n<li><b>Could be easier to qualify with bad credit: <\/b>Credit unions sometimes have less stringent eligibility requirements, which means it could be easier to qualify for a loan if you have poor or fair credit.<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li><b>Must join the credit union: <\/b>While you typically don\u2019t have to be a credit union member to apply for a loan, you\u2019ll have to join the credit union if you are approved and want to accept the loan. Membership criteria depends on the credit union credit union but often requires you to live in a certain area, work in a specific field, or join an affiliated association.<\/li>\n<li><b>Smaller loan amounts: <\/b>Personal loans at credit unions tend to be smaller than what you can borrow with online lenders or banks \u2014 usually no higher than $50,000.<\/li>\n<\/ul>\n<p>If you\u2019re considering applying for a personal loan, be sure to shop around to find the best rates and terms for your unique financial situation.<\/p>\n\n<table id=\"tablepress-847\" class=\"tablepress tablepress-id-847 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>Pros<\/strong><\/th><th class=\"column-3\"><strong>Cons<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Online lenders<\/strong><\/td><td class=\"column-2\"><ul><li>Easy application process<\/li><li>Faster loan funding<\/li><li>Lower rates and fees<\/li><\/ul><\/td><td class=\"column-3\"><ul><li>Fewer options for bad credit<\/li><li>No in-person locations <small>(depending on the lender)<\/small><\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Banks<\/strong><\/td><td class=\"column-2\"><ul><li>Might offer loyalty discounts<\/li><li>Physical locations<\/li><\/ul><\/td><td class=\"column-3\"><ul><li>Not all banks offer personal loans<\/li><li>Might need to already have an account with them<\/li><li>Higher rates and fees<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Credit unions<\/strong><\/td><td class=\"column-2\"><ul><li>Lower rates and fees<\/li><li>Could be easier to qualify with bad credit<\/li><\/ul><\/td><td class=\"column-3\"><ul><li>Must join the credit union<\/li><li>Smaller loan amounts<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"3\" class=\"column-1\"><center><b>Compare rates from top lenders without affecting your credit score. 100% free!<\/b><br><br \/>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loans\/borrower\">Compare Rates Now<\/a><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"how-to\"><\/a><\/p>\n<h2><strong>How to compare personal loan lenders<\/strong><\/h2>\n<p>It\u2019s important to compare personal loan options to see which one is the right fit for your unique financial situation. When comparing lenders, consider the following factors:<\/p>\n<ul>\n<li><b>Loan amounts: <\/b>Each lender has its own minimum and maximum loan amounts. Ensure that you can borrow as much (or as little) as you need.<\/li>\n<\/ul>\n<ul>\n<li><b>APRs: <\/b>The <a href=\"https:\/\/www.credible.com\/blog\/what-is-apr\/\">annual percentage rate<\/a> (APR) accounts for the interest rate and any fees. It\u2019ll give you a better idea of the cost of the loan.<\/li>\n<\/ul>\n<ul>\n<li><b>Repayment terms: <\/b>Some lenders have longer terms than others, so it\u2019s important to find one that works for you and your budget. A longer repayment term will give you a lower payment, but you\u2019ll pay more in interest over the life of the loan. A shorter repayment term will have higher monthly payments, but you\u2019ll save on overall interest.<\/li>\n<\/ul>\n<ul>\n<li><b>Fees: <\/b>Before signing any loan documents, be sure you understand what fees the lender charges. You may come across origination fees (a fee for processing your loan application), late fees, and prepayment penalties, among others.<\/li>\n<\/ul>\n<ul>\n<li><b>Discounts: <\/b>Some lenders offer discounts if you set up autopay (or for being a returning customer). Not only can this save you money, but it can help ensure you don\u2019t miss any payments.<\/li>\n<\/ul>\n<ul>\n<li><b>Funding time: <\/b>Personal loans typically take one business day to a week to fund, though there are some lenders who offer same-day funding. If you&#8217;re looking for an <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/emergency-loans\/\">emergency loan<\/a>, the funding time is a crucial component.<\/li>\n<\/ul>\n<ul>\n<li><b>Lender reputation: <\/b>Check out online <a href=\"https:\/\/www.credible.com\/lenders\/\">lender reviews<\/a> to learn more about these financial institutions, including borrowers\u2019 experiences with customer service.<\/li>\n<\/ul>\n<p>If you\u2019re ready to take out a personal loan, remember to compare as many lenders as possible to find the right loan for you. Credible makes this easy \u2014 you can compare your prequalified rates from multiple lenders in two minutes.<\/p>\n<div id=\"embedded-prequal\">\n  Loading widget - embedded-prequal\n<\/div>\n\n<p><a name=\"what-you-need\"><\/a><\/p>\n<h2>What you\u2019ll need to get a personal loan<\/h2>\n<p>Before you apply for a loan, make sure you have all your necessary paperwork in place. The more prepared you are, the less time it can take to get approved. Here\u2019s what you should do as you prepare to apply for a loan:<\/p>\n<ul>\n<li><b>Review your credit.<\/b> Get your free credit report from AnnualCreditReport.com to see if you have any bad marks. Derogatory marks can bring down your credit score, so you want to dispute any errors with the appropriate credit bureau to make sure it\u2019s in the best shape possible to take out a loan.<\/li>\n<li><b>Decide how much you need.<\/b> It might seem like a good idea to apply for a loan that\u2019s more than you need right now, but it\u2019s not worth it. Only request what you need and remember when you pay it back, it\u2019s with interest. The amount you need might determine where you get a loan, as many lenders require a minimum loan amount.<\/li>\n<li><b>Check your budget. <\/b>If your personal loan is going to add another monthly payment, make sure there\u2019s room for it in your budget.<\/li>\n<\/ul>\n<p>Once you\u2019re ready to get a loan, you can use Credible to <a href=\"https:\/\/www.credible.com\/personal-loan\">compare your prequalified rates from multiple personal loan lenders<\/a> by filling out one simple form. If you think you won\u2019t qualify for the rates you want based on your credit, you can also consider getting a cosigner.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p><strong>Ready to find your personal loan?<\/strong><br \/>\nCredible makes it easy to find the right loan for you.<\/p>\n<ul class=\"list--iconCheckmarkSolidCircle accent--isGreen\">\n<li>Free to use, no hidden fees<\/li>\n<li>One simple form, easy to fill out and your info is protected<\/li>\n<li>More options, pick the loan option that best fits your personal needs<\/li>\n<li>Here for you. Our team is here to help you reach your financial goals<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loan\">Find My Rate<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n<p><i><a href=\"https:\/\/www.credible.com\/blog\/author\/aharrison\/\">Ashley Harrison<\/a> contributed to the reporting for this article.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A few types of lenders offer personal loans, including online lenders, banks, and credit unions. Each lender has its own requirements and terms, so it\u2019s important to shop around and consider your options to find&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/personal-loan\/where-to-get-a-loan\/\">Continue reading<\/a><\/p>\n","protected":false},"author":90,"featured_media":58011,"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":[396],"tags":[1484,1515],"class_list":{"0":"post-30294","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-personal-loan","8":"tag-new","9":"tag-personal-loan-basics","10":"where-to-get-a-personal-loan","11":"post_tag-new","13":"post_tag-personal-loan-basics"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Where Can I Get a Personal Loan? | Credible<\/title>\n<meta name=\"description\" content=\"Personal loans are available from online lenders, banks, and credit unions. 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