Upgrade Debt Consolidation Loan
Upgrade
$1k–$50k
24–84 mo
Best for: This loan is ideal for fair-credit borrowers looking to manage multiple debts with .
Upgrade
$1k–$50k
24–84 mo
Best for: This loan is ideal for fair-credit borrowers looking to manage multiple debts with .
LendingClub
$1k–$40k
24–60 mo
Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
$5k–$100k
24–84 mo
Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
LendNation
$50–$1.5k
1–6 mo
Best for: This service is best for individuals needing immediate cash with minimal documentation.
MoneyKey
$200–$3.5k
3–12 mo
Best for: It's best for those needing immediate cash without extensive credit checks.
Brigit
$50–$250
1–1 mo
Best for: This service is best for individuals with a regular income who require a small cash infusion quickly.
Dave
$25–$500
1–1 mo
Best for: Ideal for individuals with a steady income who may not qualify for traditional loans, seeking a simple and fast cash advance.
OppLoans
$500–$4k
9–18 mo
Best for: This lender is best for those needing emergency funds quickly without strict credit requirements.
Speedy Cash
$50–$5k
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Best for: Best for borrowers who require immediate cash and have a steady income to meet repayment requirements.
CashNetUSA
$100–$3k
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Best for: This service is best for individuals needing immediate cash solutions, especially for emergency expenses.
ACE Cash Express
$100–$2k
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Best for: This service is best for those needing immediate cash for unexpected expenses and who can repay quickly.
RISE Credit
$500–$5k
4–26 mo
Best for: This service is best for borrowers needing fast funds without the hefty fees of traditional payday loans.
Check Into Cash
$50–$3k
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Best for: This service is best for individuals needing fast cash for emergencies, with loans ranging from $50 to $3,000.
Advance America
$100–$5k
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Best for: Best for those needing immediate cash with flexible borrowing amounts between $100 and $5,000.
NetCredit
$1k–$10k
6–60 mo
Best for: This service is best for individuals needing immediate financial assistance and who may have trouble qualifying with other lenders.
OppLoans
$500–$4k
9–18 mo
Best for: This service is best for individuals who need emergency cash and may struggle to get approved by traditional lenders.
DCU (Digital Federal Credit Union)
$500–$150k
12–84 mo
Best for: This loan is best for DCU members seeking a straightforward auto loan with no application fees.
$5k
12–84 mo
Best for: This loan is best for active military personnel and veterans looking for favorable terms without dealer markups.
CarMax Auto Finance
$2k–$75k
36–72 mo
Best for: This service is best for those looking to finance a used car purchase conveniently through CarMax's extensive inventory.
Wells Fargo
$5k–$100k
12–72 mo
Best for: These loans are best for borrowers with good credit who want quick access to funds for purchasing a vehicle.
Ally Financial
$5k–$75k
12–84 mo
Best for: Best for individuals seeking financing for new or used vehicles with flexible loan terms from 12 to 84 months.
PenFed Credit Union
$500–$100k
12–84 mo
Best for: This loan is best for US residents looking for quick approval and a low starting APR for car financing.
Bank of America
$7.5k–$100k
12–75 mo
Best for: This lender is best for those with good credit looking for a reliable and quick auto loan solution.
Chase
$4k–$100k
12–72 mo
Best for: It's best for those with good credit looking for flexible loan amounts between $4,000 and $100,000.
Navy Federal Credit Union
$250–$100k
12–96 mo
Best for: This loan is best for military personnel and their families who are looking for low-interest rates on vehicle financing.
$5k–$50k
24–60 mo
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.
$15k–$750k
60–360 mo
Best for: This product is ideal for homeowners looking for quick access to funds for home improvements, debt consolidation, or other major expenses.
Best Egg
$2k–$50k
36–60 mo
Best for: Individuals with a credit score of at least 600 seeking personal loans for debt consolidation or home improvement.
Affirm
$50–$17.5k
3–60 mo
Best for: This service is best for those seeking interest-free payment options and a straightforward repayment process without hidden fees.
Possible Finance
$50–$500
2–2 mo
Best for: This service is best for individuals seeking short-term financial relief without the dangers associated with traditional payday loans.
Better Mortgage
$50k–$3M
180–360 mo
Best for: This service is ideal for homeowners looking to refinance without origination fees and with a quick online process.
FourLeaf Federal Credit Union
$10k–$500k
60–240 mo
Best for: This HELOC is best for borrowers seeking a no-closing-cost option and who prefer interest-only payments during the draw period.
LightStream (Truist)
$5k–$100k
24–84 mo
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.
Wells Fargo
$3k–$100k
12–84 mo
Best for: Existing Wells Fargo customers with a credit score of 660 or higher who need flexible loan amounts.
Alliant Credit Union
$1k–$50k
12–60 mo
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.
Discover
$2.5k–$40k
36–84 mo
Best for: These loans are best for individuals looking to consolidate debt, improve their homes, or cover unexpected medical expenses without incurring origination fees.
AUTOPAY
$5k–$100k
24–84 mo
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.
Upgrade
$1k–$50k
24–84 mo
Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
Avant
$2k–$35k
24–60 mo
Best for: This service is best for individuals looking for quick access to funds for personal expenses, such as medical bills or home improvements.
$5k–$1000.0k
60–240 mo
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.
myAutoloan
$8k–$100k
24–84 mo
Best for: Individuals with good credit looking for on auto loans between $8,000 and $100,000.
$300–$10k
12–48 mo
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.
American Express
$2k–$250k
1–18 mo
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.
Rocket Mortgage
$50k–$3M
180–360 mo
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.
Citizens Bank
$5k–$50k
36–84 mo
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.
College Ave
Up to $1k
60–180 mo
Best for: This loan is ideal for undergraduate and graduate students, as well as parents seeking to cover educational costs with manageable repayment options.
Happy Money
$5k–$40k
24–60 mo
Best for: This loan is best for individuals seeking to lower their interest rates and improve their financial health through debt consolidation.
Navy Federal Credit Union
$250–$50k
6–180 mo
Best for: These loans are best for military personnel and their families seeking flexible financing options without origination fees.
Happy Money
$5k–$40k
24–60 mo
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.
PenFed Credit Union
$600–$50k
12–60 mo
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.
Spring EQ
$25k–$500k
60–360 mo
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.
Sallie Mae
$1k–$200k
60–180 mo
Best for: These loans are ideal for undergraduate, graduate, and career training students looking for varied repayment options.
Rocket Mortgage
$50k–$3M
180–360 mo
Best for: It's ideal for tech-savvy borrowers looking for a fast, fully digital mortgage application process.
Capital One
$4k–$100k
36–72 mo
Best for: Individuals with a good credit score looking for flexible auto financing options.
Earnest
$5k–$500k
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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.
Prosper
$2k–$50k
24–60 mo
Best for: Individuals with fair credit scores (600+) looking for personal loans between $2,000 and $50,000.
LendingClub
$1k–$40k
24–60 mo
Best for: Individuals with fair credit seeking personal loans for debt consolidation or major purchases.
Upstart
$1k–$50k
36–60 mo
Best for: Borrowers with fair credit looking to consolidate high-interest debt into manageable payments.
SoFi
$5k–$100k
24–84 mo
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.
Better Mortgage
$50k–$2M
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Best for: This service is best for homebuyers and homeowners looking to refinance without hidden fees or complicated processes.
LightStream
$5k–$100k
24–240 mo
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.
Carvana
$1k–$100k
24–84 mo
Best for: Individuals with fair to good credit scores looking for flexible financing options for vehicle purchases.
PenFed Credit Union
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Best for: Military members and veterans seeking some of the lowest personal loan APRs available, though open to all Americans.
Navy Federal Credit Union
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Best for: Veterans and military families who want competitive rates, flexible loan amounts, and zero-fee personal loans.
Rocket Loans
$2k–$45k
36–60 mo
Best for: Borrowers who need fast funding for debt consolidation and value brand reliability
Wells Fargo
$3k–$100k
12–84 mo
Best for: Existing Wells Fargo customers with good credit and large debt consolidation needs ($25K+)
$5k–$40k
24–60 mo
Best for: Borrowers with significant credit card debt who want a structured payoff plan
Marcus by Goldman Sachs
$3.5k–$40k
36–72 mo
Best for: Borrowers with good credit who want a truly fee-free debt consolidation loan
CommonBond
$5k–$500k
60–180 mo
Best for: Borrowers who want competitive rates and care about social impact
Citizens Bank
$10k–$500k
60–240 mo
Best for: Existing Citizens Bank customers or borrowers with high student loan balances ($100K+)
$10k–$300k
60–240 mo
Best for: Borrowers with good credit (680+) refinancing $10,000+ in student loans who value personalized service
Laurel Road
$5k–$300k
60–240 mo
Best for: Healthcare professionals (doctors, nurses, dentists) refinancing student loans
Splash Financial
$5k–$500k
60–240 mo
Best for: Borrowers who want to compare multiple refinance offers without multiple applications
Achieve
$5k–$50k
24–60 mo
Best for: Immigrants with SSN and established credit (620+) looking for larger loan amounts
LendingPoint
$1k–$36.5k
24–72 mo
Best for: Immigrants with SSN and work authorization but limited US credit history
OneMain Financial
$1.5k–$30k
24–60 mo
Best for: Immigrants needing larger loan amounts ($5,000+) who can visit a branch in person
Self Financial
$520–$3.6k
12–24 mo
Best for: Immigrants who need to establish a US credit history from scratch before applying for traditional loans or credit cards
$1k–$35k
6–60 mo
Best for: Immigrants who prefer a major bank and have passport or ITIN but no SSN, especially for moderate loan amounts
Alliant Credit Union
$1k–$100k
12–60 mo
Best for: Immigrants with ITIN who want predictable, low-cost borrowing from a credit union with open membership
Happen Bank
$1k–$40k
24–60 mo
Best for: Immigrants who have a US-based cosigner or spouse willing to co-borrow, or permanent residents with established banking relationships
Upstart
$1k–$75k
36–60 mo
Best for: Educated immigrants with professional employment but thin US credit history who can benefit from non-traditional underwriting
Wells Fargo
$3k–$100k
12–84 mo
Best for: Existing Wells Fargo customers who have an ITIN and at least fair credit
Oportun
$300–$10k
12–48 mo
Best for: Recent immigrants with no SSN and no US credit history who need a small loan and want to start building credit
Upgrade
$1k–$75k
24–84 mo
Best for: Immigrants with fair or bad credit who need flexible approval requirements, or newcomers applying with a US-based cosigner
$500–$25k
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Best for: Military members and veterans seeking credit union rates without strict eligibility.
Armed Forces Bank
$500–$25k
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Best for: Active duty members who value on-base banking convenience.
USAA
$2.5k–$100k
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Best for: Active duty, veterans, and military families seeking competitive personal loan rates.
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Best for: Borrowers with fair or poor credit.
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Best for: Couples or co-borrowers wanting joint application discount.
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Best for: Borrowers focused on paying off credit card debt.
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Best for: Borrowers who want secured loan options or prefer direct creditor payment.
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Best for: Couples or co-borrowers who benefit from joint loan rate discounts.
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Best for: Borrowers seeking flexible repayment terms from a proven lending platform.
BlueVine
$5k–$250k
6–12 mo
Best for: Best for small businesses with at least two years of operation and strong revenue.
OnDeck
$5k–$250k
3–24 mo
Best for: Best for established businesses needing quick cash with good revenue.