Personal Loans

Prepayment penalty: None

Unsuccessful payment fee: $15

Minimum Credit Score: 550

Origination Fee: 0.95% to 4.75%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $25

Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)

Best for: low origination fees for bad credit

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: 730

Origination Fee: 0% to 3%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $15

Time to fund: As soon as the next business day after successful verification

Best for: Low origination fees

Prepayment penalty: None

Unsuccessful payment fee: $15

Minimum Credit Score: 600

Origination Fee: 0.99% to 8.99%

Check processing fee: $7

Do they allow a cosigner: No

Late fee: $15

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

Best for: close rates if pre-approved

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: 660

Origination Fee: 2% to 4%

Check processing fee: None

Do they allow a cosigner: Yes

Late fee: If 15 or more days late, borrower may be charged 5.00% of the outstanding payment or $40 whichever is less.

Time to fund: Funding in as few as 5 days

Best for: Large personal loans

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: Low interest rate personal loans

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: 640

Origination Fee: 2% to 5%

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: As soon as 2 - 5 business days after verification

Best for: Consolidating credit card debt, boosting your credit score

Prepayment penalty: None

Unsuccessful payment fee: $15

Minimum Credit Score: 660

Origination Fee: 3% to 8%

Check processing fee: $7

Do they allow a cosigner: No, but co-borrowers allowed

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

Time to fund: Get funds in as little as 2 days⁵

Best for: online experience

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: home improvement loans

Prepayment penalty: None

Unsuccessful payment fee: $10 to $50

Minimum Credit Score: None

Origination Fee: $25 to $500

Check processing fee: None

Do they allow a cosigner: Yes

Late fee: $5 - $30

Time to fund: As soon as 1 - 2 days after acceptance

Best for: personal loans for bad credit

Prepayment penalty: None

Unsuccessful payment fee: $30

Minimum Credit Score: 700

Origination Fee: None

Check processing fee: None

Do they allow a cosigner: Yes

Late fee: $29

Time to fund: Typically 2 business days after verification

Best for: credit union for personal loans

Prepayment penalty: None

Unsuccessful payment fee: $25

Minimum Credit Score: 640

Origination Fee: 4% to 8%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $15

Time to fund: 90% funded within a day

Best for: Small loan amounts from online lenders

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: Does not disclose

Origination Fee: 0% - 6%

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: Typically within a few days, given approval and bank account verification

Best for: personal loans for excellent credit

Prepayment penalty: None

Unsuccessful payment fee: $10

Minimum Credit Score: 560

Origination Fee: 5.25% - 9.99%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $10

Time to fund: As soon as 1 business day after acceptance

Best for: debt consolidation loans for bad credit

Prepayment penalty: None

Unsuccessful payment fee: $10

Minimum Credit Score: 600

Origination Fee: 1.85% to 9.99%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $10

Time to fund: Within a day of clearing necessary verifications

Best for: personal loans for fair credit

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 bad credit

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum Credit Score: 600

Origination Fee: 5% to 9%

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: As soon as the same business day if approved by 3:30pm Eastern Time

Best for: Short-term loans and same day funding