Compare 26 Lenders After a Prospifi Search

Use this comparison to shortlist two or three lenders whose minimum amount, term range and fee policy match your needs, then check each lender's current terms yourself. The page describes 26 lenders; it does not rank them.

We are an independent loan-request service, not a lender. The companies below are separate businesses. Listing a lender here does not mean it takes part in our request form, and none of them has paid for inclusion or reviewed this page. We do not link out to them.

Figures come from each lender's published terms and from recent independent reviews. Lenders change amounts, fees and rates often, and terms vary by state, so treat every number as a starting point. APRs are left out of the table for that reason; the rates page explains typical personal loan rates by credit profile.

Online lenders tend to accept a wider range of credit and often charge origination fees, credit unions cap rates and require membership, and banks favor existing customers with strong credit. Knowing the type tells you a great deal before you read any offer, including one reached through a Prospifi search.

Online lenders usually publish APR ceilings of 35.99% and fund within a business day or two. Federal credit unions may not charge more than 18% APR on most loans, which protects members seeking a loan with low credit score history, although approval standards can be firm. Banks rarely charge origination fees on a personal loan, and several lend only to people who already hold an account.

For amounts under $2,000, the choice narrows. Several lenders in the table start at $2,000 or more, and three start at $5,000. Credit unions and a handful of online lenders cover the smallest requests.

Online lenders make up fourteen of the lenders compared, with minimums from $300 to $5,000 and terms from one to seven years. Most charge an origination fee and accept applications entirely online.

If a Prospifi search has produced mostly online names, this group is where differences in fees matter most.

SoFi

SoFi offers personal loans from $5,000 to $100,000 with terms of two to seven years. An origination fee is optional on many loans: borrowers can accept a fee in exchange for a lower rate. Same-day funding is often available. The high minimum makes SoFi a fit for larger consolidations by borrowers with good credit, and a poor match for a small bill.

OneMain Financial

OneMain Financial offers personal loans from $1,500 to $35,000 over 24 to 60 months, with higher minimums in some states. It operates branches in most states alongside its website and offers secured loans backed by a vehicle. Origination fees are either a flat amount or a percentage, depending on the state. It considers applicants with limited or damaged credit, and its rates sit toward the upper end of the range. No lender here offers "any credit loans" in the literal sense; each one reviews every application.

Avant

Avant offers personal loans of $2,000 to $35,000 with terms of 24 to 60 months. It charges an administration fee of up to 9.99% and is known for considering fair and rebuilding credit; reviewers cite minimum scores in the 550 to 580 range. Funds often arrive the next business day. Loans are issued through a partner bank.

Discover

Discover offers personal loans of $2,500 to $40,000 over 36 to 84 months and charges no origination fee. Its top APR is below that of most online lenders, which reflects a focus on personal loans with low interest rates for good credit; reviewers cite a minimum score near 660. Discover can pay creditors directly for debt consolidation and does not accept co-signers.

Oportun

Oportun offers personal loans from $300 to $10,000 with terms of 12 to 54 months, one of the lowest minimums in the group. It considers applicants with no credit history and often funds the same day. An administrative fee of up to 10% may apply, and loans are not offered in every state.

Happy Money

Happy Money focuses on credit card consolidation, with personal loans of $5,000 to $40,000 over 24 to 60 months. Its APR ceiling is lower than most online lenders', and an origination fee may apply. Reviewers cite a minimum score near 640. It is not available in a few states and funds more slowly than some competitors.

Upgrade

Upgrade offers personal loans of $1,000 to $50,000 with terms from 24 to 84 months and charges an origination fee of 1.85% to 9.99% on every loan. It accepts fair credit, allows joint applications and offers secured options. Funds typically arrive within a business day of approval, and it can send payments directly to creditors.

Achieve

Achieve offers personal loans of $5,000 to $50,000 over 24 to 60 months. An origination fee applies and varies by borrower. Co-borrowers are allowed, and rate discounts may be available for consolidating debt or showing retirement savings. The $5,000 minimum equals the largest request our own form accepts, so Achieve suits the top of that range.

Prosper

Prosper is a marketplace lender: investors fund personal loans of $2,000 to $50,000, usually over two to five years. Origination fees range from 1% to 9.99%. Reviewers cite minimum scores of 600 to 640, and joint applications are accepted. Funding can take as little as one business day after final approval.

Happen Bank (formerly LendingClub)

Happen Bank, the new name of LendingClub, offers personal loans from $1,000 to as much as $75,000 with terms of two to seven years. An origination fee of up to roughly 10% applies to many loans. Reviewers cite a minimum score near 600. It accepts co-borrowers and can pay creditors directly.

Universal Credit

Universal Credit, a brand operated by Upgrade, offers personal loans of $1,000 to $50,000 over three, five or seven years. It charges an origination fee of 5.25% to 9.99% on its loans and accepts scores from about 580. The combination of a certain fee and a high starting APR means it is best compared against at least one other offer.

Best Egg

Best Egg offers personal loans of $2,000 to $50,000 over 36 to 60 months with an origination fee of 0.99% to 9.99%. Funding takes one to three business days after it confirms your details. It also offers loans secured by home fixtures. Loans are not available in a few states.

60 Month Loans

60 Month Loans is a smaller online lender offering personal loans of roughly $2,600 to $10,000 directly, with terms of one to five years. Its APRs start at 25%, origination fees run from 0% to 7% by state, and it operates in sixteen states. Reviewers report an income requirement of $48,000 and no joint applications.

Upstart

Upstart is a lending platform that weighs education and employment along with credit, and it has no formal minimum score. Personal loans range from $1,000 to $75,000 over 36 or 60 months, with higher minimums in a few states. Origination fees run from 0% to 12%. Funds often arrive the next business day, and co-signers are not accepted.

Credit unions account for six of the lenders compared, and they offer the lowest minimum amounts and rate ceilings in the group. Membership is required before a loan is funded, and joining is easier than many people expect.

Borrowers hunting for the lowest rates for personal loans should check this group first.

Patelco Credit Union

Patelco offers personal loans from $300 to $100,000 with terms from six months to seven years. Membership is open to people in parts of Northern California and to anyone who joins a partner financial-literacy nonprofit. Reviewers cite a minimum score near 630, and co-signers, co-borrowers and collateral are accepted.

First Tech Federal Credit Union

First Tech offers personal loans of $500 to $50,000, generally over 12 to 60 months, with no origination fee. As a federal credit union it cannot charge more than 18% APR. Membership is available through partner employers, residence in Lane County, Oregon, or joining an affiliated association.

BECU

BECU, based in Washington State, offers personal loans up to $50,000 with terms up to 84 months. Membership is open to people who live, work or study in Washington and parts of Oregon and Idaho, and through certain affiliations. Its published APR ceiling is below 20%.

Navy Federal Credit Union

Navy Federal offers personal loans from $250, the lowest minimum on this page, up to $50,000 without a co-applicant. Terms run to 60 months for personal expenses, with no origination fee and an 18% APR cap. Membership requires a military or Department of Defense connection, including family members.

PenFed Credit Union

PenFed offers personal loans of $600 to $50,000 over 12 to 60 months with no origination fee and a top APR just under 18%. Anyone can join by opening a savings account with a $5 deposit. You can check a rate before joining, and funding usually takes one to two business days after approval.

Alliant Credit Union

Alliant offers personal loans of $1,000 to $100,000 over 12 to 60 months with no origination fee and same-day funding in many cases. Membership is available through a $5 donation to a partner charity, among other routes. Reviewers note that a membership waiting period may apply before you can borrow.

Banks make up the remaining six lenders, and most charge no origination fee. Several favor existing customers, either by requiring an account or by offering them larger amounts, longer terms or rate discounts.

TD Bank

TD Bank's Fit Loan, its personal loan product, ranges from $2,000 to $50,000 over 36 to 60 months with no origination fee. It is available in about fifteen eastern states and Washington, D.C. Approval can come the same day, with funds usually sent by the next business day.

PNC Bank

PNC offers personal loans of $1,000 to $35,000 with no origination fee. Rates and terms vary by ZIP code, and checking customers who use autopay receive a small discount. The $1,000 minimum is low for a large bank, which makes PNC relevant for smaller needs.

U.S. Bank

U.S. Bank offers personal loans of $1,000 to $50,000 to its customers over 12 to 84 months, and up to $25,000 over as long as 60 months to non-customers, in all fifty states. There is no origination fee. Customers can receive funds within hours; transfers to other banks take a few days.

Wells Fargo

Wells Fargo offers personal loans of $3,000 to $100,000 over 12 to 84 months with no origination fee. Reviewers report that applicants generally need an existing account that has been open for at least a year. Customers with a qualifying checking account receive an autopay discount.

M&T Bank

M&T Bank offers personal loans of $2,000 to $50,000 with terms from 12 to 84 months, the longest terms being reserved for larger amounts. It operates mainly in the Northeast and Mid-Atlantic, so availability depends on where you live.

Regions Bank

Regions Bank offers personal loans of $2,000 to $35,000, typically over three to five years, across the South and Midwest. Reviewers report that applicants generally need to have been customers for six months or more, and that secured options are available.

Our comparison was compiled from lenders' published terms and from recent independent reviews, and the 26 names were drawn from a longer list of lenders that offer loans of $5,000 or less. The order within each group carries no meaning.

We excluded lenders whose typical APRs exceed 36%, since rates above that level are widely regarded as unaffordable for small loans. We also left out cash-advance apps and products that are due in a single lump sum.

Nothing here is an endorsement of any lender, of Prospifi or of any other name in a search result, and we receive no payment from these lenders for appearing on this page. If you find a figure that has changed, the lender's own disclosure is correct and ours is out of date.

Applying directly makes sense when you already know which lender you want, perhaps from a Prospifi search,, while a request form saves time when you do not. Each route ends the same way, with a lender's written offer.

Going direct gives you control: you choose the lender, read its terms and apply once. Many of the lenders above let you check a rate with a soft inquiry first. The cost is time, since each application asks for the same details again.

A request form such as ours sends your details once to lenders that may respond. You do not choose the lender in advance, and the lenders reached may differ from those on this page. Whichever route you take, compare the offer with the typical personal loan rates for your credit profile, and check our eligibility guide first.

The best fit depends on the amount, your credit profile, the monthly payments you can manage and how quickly you need funds. A simple way to narrow the field is to start with your biggest constraint.

• Need under $1,000: look at Navy Federal, Patelco, First Tech, PenFed or Oportun, which have the lowest minimums.
• Fair or rebuilding credit: online lenders such as Avant, Upgrade, Upstart and OneMain Financial consider a wider range of scores.
• Good or excellent credit: banks and credit unions with no origination fee usually cost less; personal loans for good credit are where fee-free lenders compete hardest.
• Consolidating card debt: lenders that pay creditors directly simplify the process.
• Speed: several online lenders and credit unions fund the same or next business day.

For worked payment examples at a specific amount, see the $2,000 loan guide or use the personal loan calculator.

A Prospifi search often starts a comparison, and this list is meant to extend it. People who look up one name usually benefit from seeing how other lenders differ on minimums, fees and membership.

Prospifi is not among the 26 lenders above, and our site is not affiliated with Prospifi or prospifi.com. We have no information about that company's terms and make no comparison with it. Its own website is the source for anything about its products.

The useful habit is the same whichever name you began with. Collect at least two offers, compare the APR and the total repaid, and choose on cost. A Prospifi search, a credit union visit and our form are simply three places to begin.

• Typical rates — APR ranges by credit profile
• Eligibility — what lenders usually ask for
• How to Get the Lowest Rates for Personal Loans — steps that improve an offer
• Review — how to read lender reviews
• Apply — send one request to lenders