Personal loans are a practical way to access a lump sum of money when you need it. Find your rate and get closer to your money. Here’s Walletero’s personal loan recommendations to help you choose the best one for you.
Our Picks
Prosper
Overview
- Peer-to-peer lender that offers fixed-rate loans from $2,000 to $40,000 with no prepayment-fee,
- Fixed APR’s range from 7.95% to 35.99% based on your creditworthiness.
- Fixed 3 or 5-year* terms, and a budget-friendly, single monthly payment.
- Checking your rate will not affect your credit score.
- Loan proceeds arrive directly in your personal bank account.
- APR Range : 7.95-35.99% APR
- Credit Inquiry : Soft Credit Pull
- Term : 36 – 60 Months
Additional Information
- Loans are from $2,000 to $40,000 based on your Prosper Rating, which is Prosper’s system to assess each loan’s level of risk.
- Your rates are generated instantly based on basic information you provide.
- The APR range includes applicable loan origination fees.
- There are no up-front fees for applying for a loan through Prosper. An origination fee is taken from the loan proceeds if your loan is funded. The origination fee ranges 2.41% to 5%.
- There are no penalties for paying off your loan early or for making partial prepayments.
- Available loan types include debt consoliation loans, home improvement, medical expenses, large purchases, special occasions and more.
Marcus by Goldman Sachs®
Overview
- No-fee, fixed-rate unsecured loans from $3,500 to $40,000.
- Fixed APR’s range from 6.99% to 19.99% depending on creditworthiness.
- Customizable monthly payment amounts.
- Seeing your loan options won’t affect your credit score.
- For good to excellent credit (660+).
- APR Range : 6.99-19.99% APR
- Credit Inquiry : Soft Credit Pull
- Term : 36 – 72 Months
Additional Information
- No sign-up, prepayment or late fees.
- Loans are from $3,500 to $40,000 based on your credit worthiness and intended loan use.
- Marcus offers loans that can be used to pay off credit cards, for major purchases, for home improvement, or for special occasions.
- If you apply online, you can browse loan options based on different loan and/or monthly payment amounts.
- Rates will generally be higher for longer term loans.
- A Marcus Loan is not available for Student Loans or Educational Expenses.
LightStream
- APR Range : 2.49-19.99% APR
- Credit Inquiry : Hard Credit Pull
- Term : 24 – 144 Months
Best Egg®
- APR Range : 5.99-29.99% APR
- Credit Inquiry : Soft Credit Pull
- Term : 36 – 60 Months
Peerform
- APR Range : 5.99-29.99% APR
- Credit Inquiry : Soft Credit Pull
- Term : 36 – 60 Months
Upgrade
- APR Range : 6.94-35.97% APR
- Credit Inquiry : Soft Credit Pull
- Term : 36 – 60 Months
Upstart
Overview
- Upstart offers fixed-rate loans from $1,000 to $50,000 with no prepayment fee.
- APR’s range from 8.27% to 35.99%. The full range of available rates varies by state.
- In addition to your credit score, Upstart uses your education and job history to allow you to get a lower rate.
- Get your rate in just 5 minutes without affecting your credit score.*
- APR Range : 8.27-35.99% APR
- Credit Inquiry : Soft Credit Pull
- Term : 36 – 60 Months
Additional Information
- Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application.
- After your application is approved, you have a chance to review and accept your loan.
- Set up your automated monthly payments with ease; there is no penalty for paying off your loan early.
- Most borrowers get money just 1 business day after accepting their loans.*
Avant
- APR Range : 9.95-35.99% APR
- Credit Inquiry : Soft Credit Pull
- Term : 24 – 60 Months
One Main Financial
- APR Range : 18.00-35.99% APR
- Credit Inquiry : Hard Credit Pull
- Term : 24 – 60 Months
Personal Loans