DollarGeek Presents:
Best Personal Loans - April 2021
DollarGeek's goal is to help you make the best financial decisions. To help us do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations or ratings.
Compare personal loan lenders and get the cash you need. With an unsecured personal loan you can cover large purchases that range from consolidating credit card debt to paying for some home renovations. Use our filters and find the flexibility you need while choosing the best personal loan.
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Loan Amount
$1 - $10,000
$10,001 - $20,000
$20,001 - $30,000
$30,001 +
Reason For Loan
Refinance Credit Card
Consolidate Debt
Home Improvement
Medical Bills
Vacation
Wedding
Moving Expenses
Other
Annual Income
$0-$20,000
$20,001 - $50,000
$50,001 - $75,000
$75,001+
Credit Score
Excellent: (720+)
Good: (690-719)
Average: (630-689)
Needs Work: (350-629)

Showing 1-10 of 10 accounts
Estimated APR
6.94% - 35.97%
varies on creditMax Loan Amount
$35,000
Min Credit Score
620
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Geeky Insight:
- Upgrade is a great company that can help you get the cash you need fast. Upgrade was founded by Renaud Laplanche, the former head of LendingClub, the large online lender.
- While many personal loan companies look at income requirements from a salary perspective, Upgrade looks at applicants' free cash flow. Whatever amount of cash you have left over after you pay your bills is important for getting approved. Get the ultimate flexibility for loan amounts as little as $1,000. Check our what Upgrade can offer you today.
Perks
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No Monthly Fees
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No Prepayment Penalty
Fees
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Min. Credit Score:620
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Origination Fee:1.5%-6%
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Late Payment Fee:Varies
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Prepayment Fee:None
Estimated APR
7.86% - 35.99%
varies on creditMax Loan Amount
$50,000
Min Credit Score
620
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Geeky Insight:
- Upstart was founded in 2012 by “ex-Googlers” who wanted a lending service that could provide consumers with fast and fair personal loans. Their mission was to provide a fair service and opportunity to those who didn’t have lengthy credit history. Initially the company focused on recent graduates, but since then they have become a lender that caters to everyone. Upstart is known for being the first lending platform that utilizes artificial intelligence and machine learning to price credit and automate much of the borrowing process. Lenders usually look at credit history and credit score, but Upstart uses an algorithm to determine how worthy a borrower is. This algorithm determines your creditworthiness based on a variety of things such as your career, education, and job history. Since Upstart began in 2012, the company has received $1.8 billion in loan origination and in 2017 saw 4x growth.
Perks
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No Monthly Fees
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No Prepayment Penalty
Fees
-
Min. Credit Score:620
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Origination Fee:0%-8%
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Late Payment Fee:Varies
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Prepayment Fee:None
Estimated APR
5.99% - 24.99%
varies on creditMax Loan Amount
$35,000
Min Credit Score
640
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Geeky Insight:
- Payoff is a financial services company that works closely with lending partners to offer personal loans primarily to people who want to pay off credit card debt.
- The company launched in 2011 with a vision of making consumer finance more fun and engaging. Payoff employs a team of financial services professionals, psychologists, data scientists, neuroscientists and technologists to provide tools and services that enable customers to better understand their finances and more quickly reach their goals.
Perks
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No Monthly Fees
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No Late Fees
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No Prepayment Penalty
Fees
-
Min. Credit Score:640
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Origination Fee:0%-5%
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Late Payment Fee:None
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Prepayment Fee:None
Estimated APR
10.68% - 35.89%
varies on creditMax Loan Amount
$40,000
Min Credit Score
600
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Geeky Insight:
- LendingClub is a well-known peer-to-peer lender based in San Francisco that has been offering loan solutions to borrowers since 2007. The beauty of peer-to-peer lending is it connects borrowers with individual investors. Rather than borrowing from a typical bank or financial institution, LendingClub is a marketplace where borrowers get funding from other consumers, as well as corporations and businesses.
- According to LendingClub, the marketplace has helped facilitate the lending of over $33 billion and has served over 2 million customers. In this LendingClub review, we’re going to dive into how borrowing from LendingClub works.
Perks
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No Monthly Fees
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No Prepayment Penalty
Fees
-
Min. Credit Score:600
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Origination Fee:1%-6%
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Late Payment Fee:None
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Prepayment Fee:None
Estimated APR
9.99% - 35.99%
varies on creditMax Loan Amount
$24,935
Min Credit Score
600
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Geeky Insight:
- LendingPoint offers personal loans for those who don't have the best credit score. Typical borrower's credit score ranges from average to bad credit. Most borrowers use LendingPoint to consolidate debt. LendingPoint may offer cheaper interest rates than other online lenders because it considers more than just your credit score.
- LendingPoint personal loans also come with a lot of flexibility. You can customize some aspects of your repayments, like choosing a payment due date and scheduling your payments every other week, every 28 days or monthly. The origination fee can be paid upfront or added to your interest rate. You can request one loan modification during the term of your loan.
- The approval process can be take under ten minutes, but in some cases it takes several days. Some borrowers receive funds by the next business day.
Perks
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No Monthly Fees
-
No Prepayment Penalty
Fees
-
Min. Credit Score:600
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Origination Fee:0%-6%
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Late Payment Fee:Varies
-
Prepayment Fee:None
Estimated APR
9.95% - 35.99%
varies on creditMax Loan Amount
$35,000
Min Credit Score
580
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Geeky Insight:
- Originally launched under the name AvantCredit, Avant is an online lender that was founded in 2012 in Chicago. Avant has helped over 600,000 customers by providing access to over $3.5 billion in personal loans. Whether you need to improve your home, make a major purchase, or consolidate your debts into one simple monthly payment, Avant may be able to provide you access to the funds you need as soon as next business day
- Avant primarily issues loans that can be used for debt consolidation, emergency expenses or home improvement costs. It’s unique in that it is willing to work with borrowers who have poor credit.
- Over the past several years, the company has been awarded much industry recognition, including being listed as No. 6 on Forbes’ “America’s Most Promising Companies” list in 2015, and No. 5 on PitchBook’s list of fastest companies to reach a $2 billion valuation in 2017.
Perks
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No Monthly Fees
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No Prepayment Penalty
Fees
-
Min. Credit Score:580
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Origination Fee:4.75%
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Late Payment Fee:Varies
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Prepayment Fee:None
Estimated APR
7.99% - 29.99%
varies on creditMax Loan Amount
$40,000
Min Credit Score
640
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Geeky Insight:
- FreedomPlus is an online lender with an old-school, personalized touch: When you apply for a personal loan, you’ll have a 15- to 20-minute phone call with a company representative. This is a chance to discuss your debt situation and provide information that could lower your interest rate on a loan, such as having a co-signer or a retirement account.
Perks
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No Monthly Fees
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No Prepayment Penalty
Fees
-
Min. Credit Score:620
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Origination Fee:0%-5%
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Late Payment Fee:Varies
-
Prepayment Fee:None
Estimated APR
4.99% - 23.99%
varies on creditMax Loan Amount
$65,000
Min Credit Score
680
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Perks
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No Monthly Fees
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No Prepayment Penalty
Estimated APR
5.99% - 19.16%
varies on creditMax Loan Amount
$100,000
Min Credit Score
680
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Geeky Insight:
- SoFi is an online loan company that offers student loan refinancing options, mortgages, wealth management, life insurance and personal loans. SoFi offers some of the lowest interest rates and the best consumer experience in the market. We have researched countless products from hundreds of financial companies, and SoFi is without question a leader. The company has strict credit criteria and target people with good jobs, good income, a proven ability to manage a budget. If SoFi* approves you, you will probably have a difficult time finding a lower interest rate anywhere else.
Perks
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No Origination Fees
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No Monthly Fees
-
No Late Fees
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No Prepayment Penalty
Fees
-
Min. Credit Score:680
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Origination Fee:None
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Late Payment Fee:None
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Prepayment Fee:None
Estimated APR
5.99% - 17.24%
varies on creditMax Loan Amount
$75,000
Min Credit Score
680
+ Show More Details
Geeky Insight:
- Earnest was founded in 2013 out of San Francisco as a technologically-oriented lending platform. The company differentiates itself from traditional lenders by utilizing a specially designed algorithm for the underwriting process. It is with this system that Earnest determines eligibility, rates, and terms for all of its services such as student loan refinancing, mortgages, and personal loans.
- Earnest offers unique products due to its special approach to the lending market. This approach reflects on all of its services, and it defines the customer experience with an Earnest loan. With that being said, Earnest offers personal loans for a number of different reasons at low interest rates and flexible payment options.
Perks
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No Origination Fees
-
No Monthly Fees
-
No Late Fees
-
No Prepayment Penalty
Fees
-
Min. Credit Score:680
-
Origination Fee:None
-
Late Payment Fee:None
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Prepayment Fee:None
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