Top Reasons People Choose Personal Loans

Debt Consolidation

Home Improvement Projects

Making a Major Purchase

Personal Loan Offers

For Excellent Credit

LightStream Personal Loan

  • No FEES or prepayment penalties
  • Joint applications welcome
  • Loans from $5,000 - $100,000
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**Your loan APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. †You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

For Good to Fair Credit

Lending Club Personal Loan

  • Make one low, fixed monthly payment
  • Fast and easy online process to get funded
  • Flexible financial tool to help you meet your goals
  • No prepayment penalty, no hidden fees
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Annual Percentage Rates presented are estimated and were created based upon information entered by the consumer and through analysis of information publicly available at lendingclub.com. The estimated APR presented does not bind Lending Club or any lender originating loans through the Lending Club platform. The range of APR available through Lending Club is 5.99% to 35.89%. Only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR depends upon credit score, loan amount, loan term, credit usage and history. All loans are subject to credit review and approval.

The APR ranges from 5.99% to 35.89%. For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 5.32% and a 1.00% origination fee of $100 for an APR of 5.99%. In this example, you will receive $9,900 and will make 36 monthly payments of $301.15. The total amount repayable will be $10,841.40. Your APR will be determined based on your credit at time of application. The origination fee ranges from 1% to 6% and the average origination fee is 5.47% as of Q3 2016. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement to all of the required agreements and disclosures on the www.lendingclub.com website. All loans made by WebBank, member FDIC.

For Poor Credit

OneMain Personal Loan

  • Clear loan terms with no prepayment penalties
  • Fast. Loan decisions as quickly as 1 hour
  • Convenient. Apply online, by phone or at your local branch
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All loans subject to OneMain's normal credit policies. Loan approval and actual loan terms depend on your ability to meet OneMain's standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amounts are also subject to state specific minimum and maximum size restrictions. California minimum loan amount is $3,000. Georgia minimum loan amount is $1,500 for present customers and $3,100 for others. Collateral offered must meet our criteria. APRs are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB's Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.