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Best Online Loans of July 2024

When you need cash quickly, an online personal loan can help.

Author
By Hilary Collins

Written by

Hilary Collins

Writer

Hilary Collins is a finance writer and editor. She loves taking topics that could be dry and complicated and turning them into engaging stories with actionable takeaways.

Edited by Jared Hughes

Written by

Jared Hughes

Editor

Jared Hughes is a personal loan editor for Credible and Fox Money, and has been producing digital content for more than six years.

Updated June 28, 2024

Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

Featured

The internet is not only useful for finding cat videos and top-notch memes — it can also save the day when you need financial help. You can research loan options, submit an application, and receive the funds from an online loan without ever leaving your couch.

To help you choose the right online loan, we evaluated lenders based on reputation, customer service, rates and fees, terms, loan amounts, funding time, and online options. All the lenders below have a web app and let you prequalify with a soft credit check (at the time of publication). Some also offer live chat.

Compare online loan rates of July 2024

Advertiser Disclosure
3.93.9

Credible rating

Fixed (APR)

9.95% - 35.99%

Loan Amounts

$2000 to $35000

Min. Credit Score

550

Check Rates

on Credible’s website

View Details

4.44.4

Credible rating

Fixed (APR)

-

Loan Amounts

$2500 to $40000

Min. Credit Score

660

Check Rates

on Credible’s website

View Details

3.93.9

Credible rating

Fixed (APR)

12.45% - 17.99%

Loan Amounts

$5000 to $40000

Min. Credit Score

640

Check Rates

on Credible’s website

View Details

44

Credible rating

Fixed (APR)

8.98% - 35.99%

Loan Amounts

$1000 to $40000

Min. Credit Score

660

Check Rates

on Credible’s website

View Details

3.93.9

Credible rating

Fixed (APR)

18.00% - 35.99%

Loan Amounts

$1500 to $20000

Min. Credit Score

540

Check Rates

on Credible’s website

View Details

4.94.9

Credible rating

Fixed (APR)

8.99% - 29.99%1

Loan Amounts

$5000 to $100000

Min. Credit Score

Does not disclose

Check Rates

on Credible’s website

View Details

4.34.3

Credible rating

Fixed (APR)

-

Loan Amounts

$5000 to $35000

Min. Credit Score

700

Check Rates

on Credible’s website

View Details

4.34.3

Credible rating

Fixed (APR)

11.69% - 35.99%

Loan Amounts

$1000 to $50000

Min. Credit Score

560

Check Rates

on Credible’s website

View Details

4.54.5

Credible rating

Fixed (APR)

8.49% - 35.99%

Loan Amounts

$1000 to $50000

Min. Credit Score

600

Check Rates

on Credible’s website

View Details

All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | SoFi Disclosures | Read more about Rates and Terms

Best online loans

These personal loans are best for a variety of situations and borrower profiles. Check out each lender's pros and cons to get a sense of whether it's a good fit for you. Then, prequalify with those lenders to see what rates you might get. Just note that prequalification is not an offer of credit.

SoFi: Best overall

Best overall

SoFi

4.9

Credible Rating

Check Rates

on Credible’s website

Est. APR

8.99 - 29.99%1

Loan Amount

$5000 to $100000

Min. Credit Score

Does not disclose

Pros and cons

More details

Upgrade: Best for fair credit

Best for fair credit

Upgrade

4.5

Credible Rating

Check Rates

on Credible’s website

Est. APR

8.49 - 35.99%

Loan Amount

$1000 to $50000

Min. Credit Score

600

Pros and cons

More details

Discover: Best for no origination fees (and low rates)

Best for no origination fees (and low rates)

Discover Personal Loans

4.4

Credible Rating

Check Rates

on Credible’s website

Est. APR

-

Loan Amount

$2500 to $40000

Min. Credit Score

660

Pros and cons

More details

Splash: Best quick loans for good credit

Best quick loans for good credit

Splash

4.3

Credible Rating

Check Rates

on Credible’s website

Est. APR

-

Loan Amount

$5000 to $35000

Min. Credit Score

700

Pros and cons

More details