Best for
This loan is ideal for fair-credit borrowers looking to manage multiple debts with .
Minimum credit score 580
US citizen or permanent resident
Verifiable income
APR
7.74–35.99%
Term
24–84mo
Amount
$1k–$50k
Best for
Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
Minimum credit score 600
US citizen or permanent resident
Verifiable income
APR
5.96–35.99%
Term
24–60mo
Amount
$1k–$40k
Best for
This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
Minimum credit score 680
US citizen or permanent resident
Employed or have regular income
APR
7.74–35.49%
Term
24–84mo
Amount
$5k–$100k
Best for
This loan is best for DCU members seeking a straightforward auto loan with no application fees.
US resident
DCU membership (free to join)
Valid SSN
APR
5.24–18.0%
Term
12–84mo
Amount
$500–$150k
Best for
This loan is best for active military personnel and veterans looking for favorable terms without dealer markups.
US military member, veteran, or family
USAA membership required
Valid US SSN
APR
4.49–18.74%
Term
12–84mo
Amount
$5k
Best for
This service is best for those looking to finance a used car purchase conveniently through CarMax's extensive inventory.
US resident
Aged 18+
APR
5.49–27.99%
Term
36–72mo
Amount
$2k–$75k
Best for
These loans are best for borrowers with good credit who want quick access to funds for purchasing a vehicle.
US resident
Aged 18+
Good credit
APR
5.49–19.99%
Term
12–72mo
Amount
$5k–$100k
Best for
Best for individuals seeking financing for new or used vehicles with flexible loan terms from 12 to 84 months.
US resident
Aged 18+
APR
5.99–22.99%
Term
12–84mo
Amount
$5k–$75k
Best for
This loan is best for US residents looking for quick approval and a low starting APR for car financing.
PenFed membership (open to all)
US resident
Aged 18+
APR
4.14–17.99%
Term
12–84mo
Amount
$500–$100k
Best for
This lender is best for those with good credit looking for a reliable and quick auto loan solution.
US resident
Aged 18+
Good credit
APR
5.49–17.99%
Term
12–75mo
Amount
$7.5k–$100k
Best for
It's best for those with good credit looking for flexible loan amounts between $4,000 and $100,000.
US resident
Aged 18+
Good credit history
APR
5.49–17.99%
Term
12–72mo
Amount
$4k–$100k
Best for
This loan is best for military personnel and their families who are looking for low-interest rates on vehicle financing.
Military/DoD affiliation
Navy Federal membership
US resident
APR
3.89–18.24%
Term
12–96mo
Amount
$250–$100k
Best for
This HELOC is best for borrowers seeking a no-closing-cost option and who prefer interest-only payments during the draw period.
Homeowner with equity in property
Credit union membership required
Good credit history
APR
5.99–7.5%
Term
60–240mo
Amount
$10k–$500k
Best for
This service is best for borrowers with good credit looking for no-fee, low-interest auto loans ranging from $5,000 to $100,000.
Good to excellent credit required for best rates
US citizen or permanent resident
APR
6.49–25.39%
Term
24–84mo
Amount
$5k–$100k
Best for
This service is best for borrowers with a minimum credit score of 580 who are looking to refinance their auto loans and save money.
Minimum credit score 580
Vehicle less than 10 years old
Valid US driver license
APR
4.67–21.99%
Term
24–84mo
Amount
$5k–$100k
Best for
Individuals with good credit looking for on auto loans between $8,000 and $100,000.
US resident
Age 18+
Valid SSN
APR
3.99–24.99%
Term
24–84mo
Amount
$8k–$100k
Best for
These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.
US citizen or permanent resident
Age 18+
Valid SSN
APR
7.99–24.99%
Term
36–84mo
Amount
$2.5k–$40k
Best for
Individuals with a credit score of at least 600 seeking personal loans for debt consolidation or home improvement.
US citizen or permanent resident
Age 18+
Valid SSN
APR
6.99–35.99%
Term
36–60mo
Amount
$2k–$50k
Best for
This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
Minimum credit score 600
US citizen or permanent resident
Valid bank account
APR
7.74–35.99%
Term
24–84mo
Amount
$1k–$50k
Best for
This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
Minimum credit score 640
US citizen or permanent resident
Verifiable income
APR
6.25–35.99%
Term
24–60mo
Amount
$5k–$50k
Best for
This service is best for individuals looking for quick access to funds for personal expenses, such as medical bills or home improvements.
US resident
Age 18+
Valid SSN
APR
9.95–35.99%
Term
24–60mo
Amount
$2k–$35k
Best for
This service is best for individuals with good credit seeking to consolidate their student loans without additional fees and with added member benefits.
US citizen or permanent resident
Employed or have an offer starting within 90 days
Bachelor degree or higher from eligible school
APR
4.24–10.37%
Term
60–240mo
Amount
$5k–$1000.0k
Best for
This option is best for borrowers who want to access up to 95% of their home value quickly and easily through a digital process.
Homeowner with sufficient equity
US resident (not available in NY, HI, UT)
Property appraisal required
APR
8.5–11.5%
Term
60–360mo
Amount
$25k–$500k
Best for
This product is best for small businesses looking for immediate access to funds without extensive paperwork. It's particularly suitable for those with a revenue-based qualification process.
FICO score 660+
Business at least 1 year old
Average monthly revenue $3,000+
APR
—
Term
1–18mo
Amount
$2k–$250k
Best for
This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.
No minimum credit score required
US resident in eligible state
Valid bank account or debit card
APR
19.9–35.95%
Term
12–48mo
Amount
$300–$10k
Best for
These loans are best for individuals looking for amounts between $600 and $50,000 without any origination fees and a straightforward application process.
PenFed membership required (open to all via Voices for Americas Troops association)
US citizen or permanent resident
Age 18+
APR
6.09–17.99%
Term
12–60mo
Amount
$600–$50k
Best for
These loans are best for military personnel and their families seeking flexible financing options without origination fees.
Navy Federal membership required (active duty, veterans, DoD civilians, and their families)
US citizen or permanent resident
Age 18+
APR
8.99–18.0%
Term
6–180mo
Amount
$250–$50k
Best for
This service is best for tech-savvy individuals who prefer managing their mortgage application online, as well as those looking for FHA, VA, or conventional loans.
US citizen or permanent resident
Valid employment and income documentation
Minimum credit score applies
APR
6.875–7.148%
Term
180–360mo
Amount
$50k–$3M
Best for
This loan is ideal for undergraduate and graduate students, as well as parents seeking to cover educational costs with manageable repayment options.
US citizen or permanent resident
Enrolled at eligible school
Creditworthy cosigner may be required
APR
2.09–17.99%
Term
60–180mo
Amount
Up to $1k
Best for
These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.
US citizen or permanent resident
Age 18+
Valid SSN
APR
7.49–22.44%
Term
36–84mo
Amount
$5k–$50k
Best for
This product is ideal for homeowners looking for quick access to funds for home improvements, debt consolidation, or other major expenses.
Homeowner with sufficient equity
Good credit score
Reliable payment history
APR
6.75–15.0%
Term
60–360mo
Amount
$15k–$750k
Best for
This loan is best for individuals with a credit score of 640 or higher who are seeking to simplify their payments and save on interest.
US citizen or permanent resident
Age 18+
Valid SSN
APR
8.95–35.99%
Term
24–60mo
Amount
$5k–$40k
Best for
This loan is best for individuals seeking to lower their interest rates and improve their financial health through debt consolidation.
US citizen or permanent resident
Age 18+
Valid SSN
APR
8.95–35.99%
Term
24–60mo
Amount
$5k–$40k
Best for
Existing Wells Fargo customers with a credit score of 660 or higher who need flexible loan amounts.
US citizen or permanent resident
Age 18+
Valid SSN
APR
6.74–24.49%
Term
12–84mo
Amount
$3k–$100k
Best for
These loans are ideal for individuals looking for low-interest rates and no hidden fees, especially if they have a credit score of 640 or higher.
Alliant Credit Union membership required (open to all via joining Foster Care to Success)
US citizen or permanent resident
Age 18+
APR
6.75–16.0%
Term
12–60mo
Amount
$1k–$50k
Best for
This service is ideal for homeowners looking to refinance without origination fees and with a quick online process.
Minimum credit score 620
US property owner
Proof of income and employment
APR
5.5–7.5%
Term
180–360mo
Amount
$50k–$3M
Best for
Individuals with fair credit seeking personal loans for debt consolidation or major purchases.
US citizen or permanent resident
Age 18+
Valid SSN
APR
6.53–35.99%
Term
24–60mo
Amount
$1k–$40k
Best for
These loans are ideal for undergraduate, graduate, and career training students looking for varied repayment options.
US citizen or permanent resident (international students may apply with eligible cosigner)
Age 18+
Valid SSN
APR
2.99–16.38%
Term
60–180mo
Amount
$1k–$200k
Best for
This service is best for individuals with good credit looking for customizable repayment plans and the option to skip payments once a year.
US citizen or permanent resident
Bachelor degree from eligible institution
Minimum credit score required
APR
4.15–14.9%
Term
—
Amount
$5k–$500k
Best for
This service is best for homebuyers and homeowners looking to refinance without hidden fees or complicated processes.
US citizen or permanent resident
Valid income documentation
Property in eligible state
APR
6.5–8.0%
Term
—
Amount
$50k–$2M
Best for
This loan is best for borrowers looking for larger amounts, ranging from $5,000 to $100,000, without the burden of origination fees or prepayment penalties.
US citizen or permanent resident (or valid visa holder)
Age 18+
Valid SSN
APR
7.74–35.49%
Term
24–84mo
Amount
$5k–$100k
Best for
This loan is best for borrowers who need larger amounts ($5,000 to $100,000) and prefer long repayment terms of up to 20 years.
US citizen or permanent resident
Age 18+
Valid SSN
APR
6.49–24.89%
Term
24–240mo
Amount
$5k–$100k
Best for
It's ideal for tech-savvy borrowers looking for a fast, fully digital mortgage application process.
US citizen or permanent resident
Age 18+
Valid SSN
APR
6.17–6.5%
Term
180–360mo
Amount
$50k–$3M
Best for
Individuals with fair credit scores (600+) looking for personal loans between $2,000 and $50,000.
US citizen or permanent resident
Age 18+
Valid SSN
APR
8.99–35.99%
Term
24–60mo
Amount
$2k–$50k
Best for
Individuals with a good credit score looking for flexible auto financing options.
US resident
Age 18+
Valid SSN
APR
4.91–14.99%
Term
36–72mo
Amount
$4k–$100k
Best for
Borrowers with fair credit looking to consolidate high-interest debt into manageable payments.
US citizen or permanent resident
Age 18+
Valid SSN
APR
6.3–35.99%
Term
36–60mo
Amount
$1k–$50k
Best for
Individuals with fair to good credit scores looking for flexible financing options for vehicle purchases.
US resident
Age 18+
Valid SSN
APR
6.9–27.9%
Term
24–84mo
Amount
$1k–$100k
Best for
Military members and veterans seeking some of the lowest personal loan APRs available, though open to all Americans.
Exceptional APRs from a military-rooted credit union — open to everyone but especially compelling for veterans.
APR
6.09%
Term
—
Amount
—
Best for
Veterans and military families who want competitive rates, flexible loan amounts, and zero-fee personal loans.
Best-in-class military personal loans with massive range, zero fees, and standout Career Kickoff option.
APR
8.74–18.0%
Term
—
Amount
—
Best for
Borrowers who need fast funding for debt consolidation and value brand reliability
SSN required
US address
Minimum 640 credit score
APR
9.116–29.99%
Term
36–60mo
Amount
$2k–$45k
Best for
Existing Wells Fargo customers with good credit and large debt consolidation needs ($25K+)
SSN required
US address
Good credit history
APR
5.74–19.99%
Term
12–84mo
Amount
$3k–$100k
Best for
Borrowers with significant credit card debt who want a structured payoff plan
SSN required
Minimum 640 credit score
Minimum $2,000 in credit card debt
APR
5.99–24.99%
Term
24–60mo
Amount
$5k–$40k
Best for
Borrowers with good credit who want a truly fee-free debt consolidation loan
SSN required
US address
Good credit history
APR
6.99–24.99%
Term
36–72mo
Amount
$3.5k–$40k
Best for
Borrowers who want competitive rates and care about social impact
US citizen or permanent resident
Bachelor's degree minimum
Employed or have job offer
APR
4.44–8.99%
Term
60–180mo
Amount
$5k–$500k
Best for
Existing Citizens Bank customers or borrowers with high student loan balances ($100K+)
US citizen or permanent resident
Bachelor's degree or higher
Minimum annual income $24,000
APR
4.89–9.74%
Term
60–240mo
Amount
$10k–$500k
Best for
Borrowers with good credit (680+) refinancing $10,000+ in student loans who value personalized service
US citizen or permanent resident
Bachelor's degree or higher
Minimum income $35,000
APR
4.86–8.44%
Term
60–240mo
Amount
$10k–$300k
Best for
Healthcare professionals (doctors, nurses, dentists) refinancing student loans
US citizen or permanent resident
Degree from accredited institution
Minimum annual income $36,000
APR
4.49–8.89%
Term
60–240mo
Amount
$5k–$300k
Best for
Borrowers who want to compare multiple refinance offers without multiple applications
US citizen or permanent resident
Bachelor's degree or higher
Minimum income varies by lender
APR
4.96–9.99%
Term
60–240mo
Amount
$5k–$500k
Best for
Immigrants with SSN and established credit (620+) looking for larger loan amounts
SSN required
US address
Minimum 620 credit score
APR
6.25–35.99%
Term
24–60mo
Amount
$5k–$50k
Best for
Immigrants with SSN and work authorization but limited US credit history
SSN required
US address
Minimum $35,000 annual income
APR
7.99–35.99%
Term
24–72mo
Amount
$1k–$36.5k
Best for
Immigrants needing larger loan amounts ($5,000+) who can visit a branch in person
ITIN or SSN
US address
Proof of income
APR
11.99–35.99%
Term
24–60mo
Amount
$1.5k–$30k
Best for
Immigrants who need to establish a US credit history from scratch before applying for traditional loans or credit cards
SSN or ITIN accepted
No credit check required
No minimum credit score
APR
15.92%
Term
12–24mo
Amount
$520–$3.6k
Best for
Immigrants who prefer a major bank and have passport or ITIN but no SSN, especially for moderate loan amounts
SSN, ITIN, or passport accepted
US address
Good credit typically required
APR
8.14–24.99%
Term
6–60mo
Amount
$1k–$35k
Best for
Immigrants with ITIN who want predictable, low-cost borrowing from a credit union with open membership
SSN or ITIN accepted
Alliant membership required (open to anyone)
Limited credit history may qualify
APR
8.74–11.74%
Term
12–60mo
Amount
$1k–$100k
Best for
Immigrants who have a US-based cosigner or spouse willing to co-borrow, or permanent residents with established banking relationships
SSN required
Joint/co-borrower applications available
Permanent residents eligible
APR
6.53–35.99%
Term
24–60mo
Amount
$1k–$40k
Best for
Educated immigrants with professional employment but thin US credit history who can benefit from non-traditional underwriting
US citizen or permanent resident
Some visa holders accepted
SSN required
APR
6.3–35.99%
Term
36–60mo
Amount
$1k–$75k
Best for
Existing Wells Fargo customers who have an ITIN and at least fair credit
SSN or ITIN accepted
Must be existing Wells Fargo customer
Minimum 660 credit score
APR
6.74–25.99%
Term
12–84mo
Amount
$3k–$100k
Best for
Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit
SSN, ITIN, or passport accepted
No credit history required
No minimum credit score
APR
35.95–35.99%
Term
12–48mo
Amount
$300–$10k
Best for
Immigrants with fair or bad credit who need flexible approval requirements, or newcomers applying with a US-based cosigner
SSN, passport, or valid visa
Permanent residents or visa holders
Minimum 580 credit score
APR
7.74–35.99%
Term
24–84mo
Amount
$1k–$75k
Best for
Military members and veterans seeking credit union rates without strict eligibility.
Solid credit union option with broad eligibility including military members.
APR
6.25–18.0%
Term
—
Amount
$500–$25k
Best for
Active duty members who value on-base banking convenience.
Convenient on-base banking for service members and veterans.
APR
8.99–17.99%
Term
—
Amount
$500–$25k
Best for
Active duty, veterans, and military families seeking competitive personal loan rates.
Top pick for military families with low rates, high limits, and zero fees.
APR
7.09–16.99%
Term
—
Amount
$2.5k–$100k
Best for
Borrowers with fair or poor credit.
Most accessible option for lower credit scores.
APR
—
Term
—
Amount
—
Best for
Couples or co-borrowers wanting joint application discount.
Best for joint applicants seeking lower rates.
APR
—
Term
—
Amount
—
Best for
Borrowers focused on paying off credit card debt.
Purpose-built for credit card debt payoff with competitive rates.
APR
—
Term
—
Amount
—
Best for
Borrowers who want secured loan options or prefer direct creditor payment.
Strong choice for borrowers wanting secured loan options or direct creditor payment.
APR
—
Term
—
Amount
—
Best for
Couples or co-borrowers who benefit from joint loan rate discounts.
Excellent for joint applicants or borrowers who value dedicated human specialists. Low starting APR is highly competitive.
APR
—
Term
—
Amount
—
Best for
Borrowers seeking flexible repayment terms from a proven lending platform.
Well-established lending platform with flexible terms and proven track record. Wide term range gives excellent payment flexibility.
APR
—
Term
—
Amount
—
Best for
Best for small businesses with at least two years of operation and strong revenue.
Business at least 2 years old
Annual revenue $120,000+
FICO 650+
APR
6.2%
Term
6–12mo
Amount
$5k–$250k
Best for
Best for established businesses needing quick cash with good revenue.
Business at least 1 year old
Annual revenue $100,000+
FICO 625+
APR
29.9%
Term
3–24mo
Amount
$5k–$250k
