{"id":47265,"date":"2021-01-21T09:27:58","date_gmt":"2021-01-21T17:27:58","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=47265"},"modified":"2024-01-23T10:59:18","modified_gmt":"2024-01-23T18:59:18","slug":"everything-you-should-know-before-taking-out-a-tax-refund-advance","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/personal-loan\/tax-refund-advance\/","title":{"rendered":"Everything You Should Know Before Taking Out a Tax Refund Advance"},"content":{"rendered":"<p>While a tax refund might put a substantial amount of money back in your pocket \u2014 the average refund for the 2020 filing season was $2,535, according to the <a href=\"https:\/\/www.irs.gov\/newsroom\/filing-season-statistics-for-week-ending-november-20-2020\" rel=\"\u201cnofollow\u201d\">IRS<\/a>. However, it typically takes six to eight weeks to receive your refund.<\/p>\n<p>If you need your tax refund more quickly, a tax refund advance loan could get you early access to some of your refund. But there are some downsides to keep in mind.<\/p>\n<p><b>Here\u2019s what to know if you\u2019re considering a tax refund advance:<\/b><\/p>\n<ul>\n<li><a href=\"#tax-refund-advance\">How a tax refund advance works<\/a><\/li>\n<li><a href=\"#get-tax-refund-advance\">Where to get a tax refund advance<\/a><\/li>\n<li><a href=\"#personal-loan-tax-advance\">Personal loan vs. tax refund advance<\/a><\/li>\n<li><a href=\"#tax-refund-alternatives\">Other tax refund advance alternatives<\/a><\/li>\n<li><a href=\"#compare-offer-deal\">Compare offers to get the best deal<\/a><\/li>\n<\/ul>\n<p><a name=\"tax-refund-advance\"><\/a><\/p>\n<h2>How a tax refund advance works<\/h2>\n<p>A tax refund advance loan lets you access some of your expected tax refund early \u2014 often within 24 hours, depending on the tax preparation company you choose. Many tax refund advance services also come with no interest or fees.<\/p>\n<p>After your refund is processed by the IRS, you\u2019ll repay the tax company the amount you borrowed in advance while keeping the remainder of your refund.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Keep in mind: <\/b>You might qualify for a tax refund advance loan even if you have <a href=\"\/personal-loan\/bad-credit-loans\/best-loans-for-bad-credit\">poor<\/a> or <a href=\"\/personal-loan\/best-personal-loans-fair-credit\">fair credit<\/a>.<\/p>\n<p>And unlike other types of credit (like credit cards or personal loans), you won\u2019t have to worry about paying higher interest charges if you have less-than-perfect credit.<\/div><\/div>\n<p>However, there are some drawbacks to consider:<\/p>\n<ul>\n<li><b>Your tax refund could be less than you expect.<\/b> Your tax refund advance is based on your expected refund. However, keep in mind that the IRS could deny certain deductions that you claimed or find errors that reduce the amount of your refund. If your refund turns out to be less than you expected, you\u2019ll have to repay the difference to the lender.<\/li>\n<li><b>You typically can\u2019t access your full refund. <\/b>Most tax preparation companies only let you borrow a portion of your expected refund. For example, if your expected refund is $3,000, you might only be eligible for a $1,500 loan.<\/li>\n<li><b>There\u2019s usually a cost to file your tax return. <\/b>While tax refund advances are often advertised as having 0% interest and no fees, that doesn\u2019t mean the loan is free. Tax preparation companies typically charge you a fee to file your returns, which you\u2019ll have to pay to qualify for a tax refund advance. Prices often start at $30 to $40 for a federal tax return (depending on the company), with additional fees if you need to file a state return or have a complex return. If you don\u2019t pay these fees upfront and choose to have them deducted from your refund later, you might have to pay another fee to get a tax refund advance loan.<\/li>\n<li><b>There might be fees to load your refund onto a debit card. <\/b>Many companies will load your refund advance onto a debit card. However, these cards might come with additional fees, such as for ATM or over-the-counter withdrawals or account inactivity.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"\/personal-loan\/5k-loans\"><b><i>How to Get a $5,000 Loan<\/i><\/b><\/a><br \/>\n<a name=\"get-tax-refund-advance\"><\/a><\/p>\n<h2>Where to get a tax refund advance<\/h2>\n<p>Many tax preparation companies offer tax refund advance loans, including the following major businesses. Note that none of these are Credible partners.<\/p>\n\n<table id=\"tablepress-512\" class=\"tablepress tablepress-id-512 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><a href=\"https:\/\/www.hrblock.com\/offers\/refund-advance\/\" rel=\"nofollow\"><strong>H&amp;R Block<\/strong><\/a><\/th><th class=\"column-3\"><a href=\"https:\/\/www.jacksonhewitt.com\/refund-advance\/\" ref=\"nofollow\"><strong>Jackson Hewitt<\/strong><\/a><\/th><th class=\"column-4\"><a href=\"https:\/\/turbotax.intuit.com\/refund-advance\/\" rel=\"nofollow\"><strong>TurboTax<\/strong><\/a><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Loan amounts<\/strong><\/td><td class=\"column-2\">Up to $3,500<\/td><td class=\"column-3\">$500 to $6,000<br \/>\n<small>(depending on loan type and customer relationship)<\/small><\/td><td class=\"column-4\">$250 to $3,000<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Time to fund<\/strong><\/td><td class=\"column-2\">Same day as filing, if approved<\/td><td class=\"column-3\"><ul><li><strong>Debit card:<\/strong> Within 24 hours of approval<\/li><li><strong>Direct deposit:<\/strong> Within 1 to 5 business days after approval<\/li><\/ul><\/td><td class=\"column-4\">Typically within 3 hours of approval<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Fees<\/strong><\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">$0 to 2.5% of loan amount<br \/>\n<small>(depending on loan type)<\/small><\/td><td class=\"column-4\">None<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Basic eligibility<\/strong><\/td><td class=\"column-2\"><ul><li>Must file a return through H&amp;R Block<\/li><li>Must submit a loan application to MetaBank <small>(H&amp;R Block\u2019s partner lender)<\/small><\/li><li>Must expect a sufficient tax refund<\/li><li>Must provide ID<\/li><\/ul><\/td><td class=\"column-3\"><ul><li>Must file your taxes with Jackson Hewitt<\/li><li>If applying for Early Refund Advance Loan, must provide income verification<\/li><\/td><td class=\"column-4\"><ul><li>Must e-file your taxes with TurboTax<\/li><li>Must be approved for a Turbo Visa Debit Card by Green Dot Bank<\/li><li>Refund must be $500 or more<\/li><li>Must be 18 or older<\/li><li>Must have a U.S. address that matches the address on your tax return<\/li><li>Must not live in IL or NC<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Applications open<\/strong><\/td><td class=\"column-2\">Jan. 4, 2021 to Feb. 28. 2021<\/td><td class=\"column-3\"><ul><li><strong>Early Refund Advance<\/strong>: Dec. 14, 2020 <small>(returning clients)<\/small> or Dec. 16, 2020 <small>(new clients)<\/small> to Jan. 17, 2021<\/li><li><strong>No Fee Refund Advance:<\/strong> Jan. 2, 2021 until Feb. 21, 2021<\/li><li><strong>Go Big Refund Advance:<\/strong> Jan. 2, 2021 to Jan. 31, 2021<\/li><\/ul><\/td><td class=\"column-4\">Beginning late Jan. 2021<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Check Out: <\/i><\/b><a href=\"\/personal-loan\/where-can-i-get-a-personal-loan\"><b><i>Where to Get a Personal Loan<\/i><\/b><\/a><br \/>\n<a name=\"personal-loan-tax-advance\"><\/a><\/p>\n<h2>Personal loan vs. tax refund advance<\/h2>\n<p>If you need to borrow money, a <a href=\"\/personal-loan\">personal loan<\/a> could be another option. Personal loans typically offer higher <a href=\"\/personal-loan\/how-much-of-a-personal-loan-can-i-get\">loan amounts<\/a> than tax refund advances \u2014 for example, you might be able to borrow as much as $100,000 or more, depending on the lender.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>The <a href=\"\/blog\/personal-loan\/time-to-fund\/\">time to fund<\/a> for a personal loan is generally a week or less, though some lenders might get you your money as soon as the next day after approval.<\/p>\n<p>And unlike tax refund advance loans, personal loans are available at any time of the year.<\/div><\/div>\n<p>If you\u2019re considering a personal loan vs. a tax refund advance, here are several points to keep in mind:<\/p>\n\n<table id=\"tablepress-514\" class=\"tablepress tablepress-id-514 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Personal loans<\/strong><\/th><th class=\"column-3\"><strong>Tax refund advances<\/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>Loan amounts<\/strong><\/td><td class=\"column-2\">$600 to $100,000<br \/>\n<small>(with Credible partner lenders)<\/small><br \/>\n<\/td><td class=\"column-3\">Typically $200 to $4,000<br \/>\n<small>(Possibly higher, depending on the company)<\/small><br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Fees<\/strong><\/td><td class=\"column-2\">Might come with origination fees<\/td><td class=\"column-3\">Generally no origination fee or APR<br \/>\n<small>(Though there might be a fee if you don\u2019t pay your filing charge upfront)<\/small><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Credit score requirements<\/strong><\/td><td class=\"column-2\">Typically need good to excellent credit (670 and higher)<br \/>\n<small>(Though some lenders provide options for poor and fair credit)<\/small><\/td><td class=\"column-3\">All credit scores accepted <br \/>\n<small>(Including no credit history)<\/small><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Loan disbursement<\/strong><\/td><td class=\"column-2\">Typically within 7 business days<br \/>\n<small>(Depending on the lender)<\/small><\/td><td class=\"column-3\">A few hours up to five business days<br \/>\n<small>(Depending on the company)<\/small><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Keep in mind that most <a href=\"\/personal-loan\/best-personal-loans\">personal loan lenders<\/a> don\u2019t charge prepayment penalties. This means you likely won\u2019t have to worry about paying extra fees if you <a href=\"\/personal-loan\/pay-off-loan-early\">pay your loan off early<\/a>.If you take out a personal loan instead of a tax refund advance, you could use your tax refund to pay off your loan later on, too.<\/p>\n<p>If you decide to get a personal loan, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy \u2014 you can compare your prequalified rates from our partner lenders in the table below in two minutes.<\/p>\n\n<table id=\"tablepress-513\" class=\"tablepress tablepress-id-513 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>Fees<\/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=\"282\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/2022_Achieve_Primary-Logo_AchieveBlue_RGB-768x282.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/2022_Achieve_Primary-Logo_AchieveBlue_RGB-768x282.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/2022_Achieve_Primary-Logo_AchieveBlue_RGB-600x220.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/2022_Achieve_Primary-Logo_AchieveBlue_RGB-300x110.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/2022_Achieve_Primary-Logo_AchieveBlue_RGB-150x55.png 150w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/2022_Achieve_Primary-Logo_AchieveBlue_RGB.png 856w\" 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\/achieve\/\">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=\"#freedom-plus\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    6.25% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$10,000 to $35,000<\/td><td class=\"column-4\">Not disclosed by lender<\/td><td class=\"column-5\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"freedom-plus\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    6.25% - 35.99% APR<sup><\/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                                $7,500 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                                If approved, funds sent within 24-72 hours\u2020<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Origination fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                No<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except CO, CT, HI, KS, ND, NV, VT, WV, WI, and WY<\/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                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes<\/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=\"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\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"5\" 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-6\">\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\">730<\/td><td class=\"column-5\">No prepayment penalty<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"5\" 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-8\">\n\t<td class=\"column-1\"><center><br \/>\n            <div class=\"tablepress-lender__logo__container\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"105\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/BE_WordLogo_Blue_500px_W.png\" class=\"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\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"5\" 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-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=\"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\">$2,500 to $35,000<\/td><td class=\"column-4\">660<\/td><td class=\"column-5\">None, as long as you pay on time<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td colspan=\"5\" 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-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\">660<\/td><td class=\"column-5\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td colspan=\"5\" 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=\"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\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td colspan=\"5\" 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-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=\"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\">700<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td colspan=\"5\" 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-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=\"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\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td colspan=\"5\" 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-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=\"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\">$5,000 to $40,000<\/td><td class=\"column-4\">640<\/td><td class=\"column-5\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td colspan=\"5\" 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-22\">\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\">760<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<tr class=\"row-23\">\n\t<td colspan=\"5\" 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-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=\"124\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Prosper_Marketplace_Corporate_Logo.svg-768x124.png\" class=\"tablepress-lender__logo wp-post-image\" alt=\"\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Prosper_Marketplace_Corporate_Logo.svg-768x124.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Prosper_Marketplace_Corporate_Logo.svg-600x97.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Prosper_Marketplace_Corporate_Logo.svg-1200x194.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Prosper_Marketplace_Corporate_Logo.svg-300x49.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/06\/Prosper_Marketplace_Corporate_Logo.svg.png 1280w\" 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\/prosper\/\">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=\"#prosper\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    8.99% - 35.99% APR<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">$2,000 to $50,000<\/td><td class=\"column-4\">640<\/td><td class=\"column-5\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-25\">\n\t<td colspan=\"5\" class=\"column-1\">            <div id=\"prosper\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    8.99% - 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                                $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 one 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                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all states except IA, ND, 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\">Min. Income:<\/span>\n                                None<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan Uses:<\/span>\n                                Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-26\">\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\">Does not disclose<\/td><td class=\"column-5\">None<\/td>\n<\/tr>\n<tr class=\"row-27\">\n\t<td colspan=\"5\" 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-28\">\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 $20,000<\/td><td class=\"column-4\">560<\/td><td class=\"column-5\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-29\">\n\t<td colspan=\"5\" 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-30\">\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\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-31\">\n\t<td colspan=\"5\" 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-32\">\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\">Yes, origination fee<\/td>\n<\/tr>\n<tr class=\"row-33\">\n\t<td colspan=\"5\" 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-34\">\n\t<td colspan=\"5\" class=\"column-1\"><center><b>Compare 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><\/td>\n<\/tr>\n<tr class=\"row-35\">\n\t<td colspan=\"5\" 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<a name=\"tax-refund-alternatives\"><\/a><\/p>\n<p><em><strong>Keep Reading: <a href=\"https:\/\/www.credible.com\/blog\/personal-loan\/loan-for-tax-debt\/\">Is Using a Personal Loan for Taxes a Good Idea?<\/a><\/strong><\/em><\/p>\n<h2>Other tax refund advance alternatives<\/h2>\n<p>If a personal loan or tax refund advance doesn\u2019t seem right for your needs, you might be considering other <a href=\"\/personal-loan\/fast-personal-loans\">fast loan options<\/a>, such as <a href=\"\/personal-loan\/what-are-payday-loans\">payday loans<\/a>, <a href=\"\/blog\/personal-loan\/pawn-shop-loans\/\">pawn shop loans<\/a>, or car title loans.<\/p>\n<p>However, while these <a href=\"\/personal-loan\/same-day-loans\">same-day loans<\/a> might get you quick cash, they should only be used as a last resort. These types of loans typically come with sky-high fees and interest rates \u2014 often in the triple digits.<\/p>\n<p>Plus, you\u2019ll generally have to repay the loan in a matter of weeks, which might not give you enough time to pay it off without getting further into debt.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>Even if you have poor credit, you might still qualify for a personal loan. Some lenders even specialize in <a href=\"https:\/\/www.credible.com\/personal-loan\/bad-credit-loans\">bad credit personal loans<\/a> that you might be eligible for. Just keep in mind that these loans generally come with higher interest rates.<\/p>\n<p>Another option is applying with a cosigner. Not all lenders allow <a href=\"\/personal-loan\/best-personal-loans-with-cosigner\">cosigners on personal loans<\/a>, but some do. Having a creditworthy cosigner could help improve your chances of <a href=\"\/personal-loan\/how-to-get-approved\">getting approved for a loan<\/a>.<\/p>\n<p>Even if you don\u2019t need a cosigner to qualify, having one could <a href=\"\/personal-loan\/how-to-get-a-low-interest-loan\">get you a lower interest rate<\/a> than you\u2019d get on your own.<\/div><\/div>\n<p>No matter which loan option you choose, it\u2019s a good idea to consider how much the loan will cost you over time. You can estimate how much you\u2019ll pay for a loan using our personal loan calculator below.<\/p>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"15000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"18\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"10\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n        loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    loan.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Need a personal loan?<\/strong><br \/>\nCompare rates without affecting your credit score. 100% free!<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/personal-loans\/borrower\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<hr \/>\n<p><a name=\"compare-offer-deal\"><\/a><\/p>\n<h2>Compare offers to get the best deal<\/h2>\n<p>In general, it\u2019s a good idea to consider as many loan options \u2014 such as tax refund advances and personal loan offers \u2014 as you can. This way, you can find a loan that best suits your needs.<\/p>\n<p>If you decide to take out a personal loan, remember to compare as many lenders as possible. Consider not only <a href=\"\/personal-loan\/best-personal-loan-rates\">rates<\/a> but also <a href=\"\/personal-loan\/personal-loan-term-length\">repayment terms<\/a> and any fees charged by the lender.<\/p>\n<p>Credible makes comparing lenders easy \u2014 you can see your prequalified rates from multiple lenders in two minutes without affecting your credit score.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\">\n<p><span style=\"font-size: x-large;\"><strong>Ready to find your personal loan?<\/strong><\/span><br \/>\nCredible makes it easy to find the right loan for you.<\/p>\n<ul class=\"list--iconCheckmarkSolidCircle accent--isGreen\">\n<li>Free to use, no hidden fees<\/li>\n<li>One simple form, easy to fill out and your info is protected<\/li>\n<li>More options, pick the loan option that best fits your personal needs<\/li>\n<li>Here for you. Our team is here to help you reach your financial goals<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/personal-loan\">Find My Rate<\/a><br \/>\n<small>Checking rates won\u2019t affect your credit<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>While a tax refund might put a substantial amount of money back in your pocket \u2014 the average refund for the 2020 filing season was $2,535, according to the IRS. However, it typically takes six&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/personal-loan\/tax-refund-advance\/\">Continue reading<\/a><\/p>\n","protected":false},"author":28,"featured_media":47266,"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":[1563],"class_list":{"0":"post-47265","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-personal-loan","8":"tag-personal-loan-bad-credit","9":"everything-you-should-know-before-taking-out-a-tax-refund-advance","11":"post_tag-personal-loan-bad-credit"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tax Refund Loans: What Are They and What Are Alternatives? - Credible<\/title>\n<meta name=\"description\" content=\"A tax refund advance loan lets you access part of your tax refund early. However, there can be added fees and other drawbacks. Learn more here.\" \/>\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\/personal-loan\/tax-refund-advance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax Refund Loans: What Are They and What Are Alternatives? - Credible\" \/>\n<meta property=\"og:description\" content=\"A tax refund advance loan lets you access part of your tax refund early. However, there can be added fees and other drawbacks. 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