Get personal loan rates from Lightstream and other lenders

Name: Credible Personal Loans
Brand: Credible
Rating: 4.8 (7858 reviews)

Rates from 6.99% - 35.99% APR¹
Loan amounts from $1,000 to $200,000
Check rates for free with no hard credit pull²

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Compare personal loan rates from top lenders for October 2024

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Filters$20,000 loan amount and 700-749 credit score, ordered by APR

LightStream

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Rates from (APR)

6.99-25.29%⁴

Loan term

2 - 7 years

Loan amount

Up to $100,000

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LightStream Personal Loans

Lightstream is one of three Credible partner lenders to offer loan amounts up to $100,000, which makes it ideal for financing large expenses like home improvements or weddings. Funds are available as soon as the same day you apply, and you'll have up to 20 years to repay certain types of loans, including home improvement loans, RV loans, and boat loans. There are no origination fees, and rates are low — as of this writing, Lightstream's lowest APR beats SoFi's advertised lowest APR by 1 percentage point. But you'll need good credit to qualify.

Note that unlike most lenders, Lightstream does not let you prequalify. Nor does it provide a contact phone number next to its customer service hours on its website.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: 700

Origination Fee: None

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: As soon as the same business day

Best for: Best home improvement loans

Upstart

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Rates from (APR)

7.80-35.99%

Loan term

3, 5 years

Loan amount

Up to $50,000

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Upstart Personal Loans

Upstart has one of the lowest available APRs of Credible partner lenders and of all non-partners we reviewed, making it a good choice for well-qualified applicants. However, it's also is one of few lenders that doesn't have a minimum credit score requirement (if you apply on the lender's website), which makes it an option if you have bad credit or no credit history. Upstart may charge an origination fee as high as 12%, but good-credit borrowers may not be charged one at all.

Trustpilot gives Upstart 4.9 stars, which is the highest of all lenders we reviewed.

Prepayment penalty: None

Unsuccessful payment fee: $15

Minimum Credit Score: 620

Origination Fee: 0% to 12%

Check processing fee: None

Do they allow a cosigner: No

Late fee: 5% of late payment or $15 (whichever is greater)

Time to fund: As soon as 1 - 3 business days

Best for: Fast personal loans for all credit types

Splash Financial

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Rates from (APR)

7.99-17.97%

Loan term

3 - 6 years

Loan amount

Up to $35,000

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Splash Financial Personal Loans

It's worth considering a personal loan through Splash if you have good credit (ideally, a FICO score above 700). The platform offers loans from a wide range of lenders, and next-day funding is available. Plus, Splash has a live chat feature so you can get real-time answers without having to wait on hold or for an email. Loans are available up to $100,000 if you apply via Splash's website.

Rates are competitive, but borrowers with excellent credit may find lower APRs elsewhere. Splash is not an option for borrowers with bad credit.

Prepayment penalty: None

Unsuccessful payment fee: Varies by lender

Minimum Credit Score: 700

Origination Fee: 3.99% to 7.49%

Check processing fee: None

Do they allow a cosigner: No

Late fee: Varies by lender

Time to fund: Funding in as little as one business day for eligible applicants

Best for: Quick loans for good credit

Discover Personal Loans

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Rates from (APR)

7.99-24.99%

Loan term

3 - 7 years

Loan amount

Up to $40,000

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Discover Personal Loans

Discover Personal Loans offers low APRs, repayment terms up to seven years, no origination fees, nationwide availability, and doesn't require your Social Security number to prequalify on its site. You'll need to have an annual income of at least $40,000, and a FICO score 660 or higher, to be eligible. If your credit score is fair or poor, you'll need to go elsewhere, as Discover doesn't allow cosigners.

Funds are available as soon as the next business day after loan approval.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: 660

Origination Fee: None

Check processing fee: None

Do they allow a cosigner: No

Late fee: $39

Time to fund: Funds can be sent as soon as the next business day after acceptance

Best for: No origination fees (and low rates)

SoFi

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Rates from (APR)

8.99-29.99%³

Loan term

2 - 7 years

Loan amount

Up to $100,000

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SoFi Personal Loans

SoFi stands out for offering no-fee personal loans with competitive rates, high loan amounts, long loan terms, discounts for autopay and direct pay, and funding as soon as the same day. Plus, SoFi prioritizes convenience for existing and potential customers with features like live chat and an easy prequalification process that doesn't require your Social Security number.

The main catch is that you need to qualify for a loan with SoFi, which can be hard to do if you don't have good credit. You also won't be able to apply with a cosigner, since SoFi doesn't accept cosigners; nor does it offer secured personal loans.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: Does not disclose

Origination Fee: