Bank Loans: Top Banks Offering Personal Loans 2019

Qualifications

• Get a preapproval offer.
• Be the primary cardholder on an eligible American Express Card, and be in good status with American Express at the time of application.

Available Term Lengths

• 1 to 4 years

Fees

• Origination fee: None.
• Late fee: $39.
• Unsuccessful payment fee: Amount not disclosed.
• Prepayment fee: None.

Qualifications

• Minimum credit score required: 660; borrowers' average score is about 750.
• Minimum gross income required: $25,000, but typically much higher.
• Minimum credit history: Not provided.
• Maximum debt-to-income ratio: Not provided.

Available Term Lengths

• 3 to 7 years

Fees

• Origination fee: None.
• Late fee: $39.

Disclaimer: This is not a commitment to lend from Discover Personal Loans. Your approval for a loan is determined once you apply and is based on your application information and credit history. Your APR will be between 6.99-24.99% based upon creditworthiness at time of application. Not all applications will be approved.

Qualifications

• At least 18 years old (19 in Alabama; 21 in Mississippi and Puerto Rico).
• Valid U.S. bank account, Social Security number or tax ID.
• 660+ credit score.

Available Term Lengths

• 3 to 6 years

Fees

• Origination fee: None.
• Late fee: None.

Disclaimer: Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans).Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.

Qualifications

• No minimum credit score, income or debt-to-income ratio requirements disclosed.
• Live in one of the states that PNC serves.

Available Term Lengths

• 6 months to 5 years

Fees

• Origination fee: None.
• Late fee: Greater of $40 or 10% of amount due, after 15-day grace period.

Qualifications

• No minimum credit score, income or debt-to-income ratio requirements.
• Not available in Wisconsin.

Available Term Lengths

• 2 to 5 years

Fees

• Origination fee: None.
• Late fee: 5% of monthly payment, capped at $39.
• Returned payment fee: 5% of monthly payment, capped at $39.

Qualifications

• Minimum credit score of 660.
• No minimum income specified.
• Maximum debt-to-income ratio varies depending on loan purpose.

Available Term Lengths

• 2 to 7 years

Fees

• Origination fee: None.
• Late fee: None.

Disclaimer: Your loan terms are not guaranteed and may vary based loan purpose, length of loan, loan amount, credit history and payment method (AutoPay or Invoice). Rate quote includes AutoPay discount. AutoPay discount is only available when selected prior to loan funding. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. You may be required to verify income, identity and other stated application information. Payment example: Monthly payments for a $5,000 loan at 12.8% APR with a term of 3 years would result in 36 monthly payments of $168. Some additional conditions and limitations apply. Advertised rates and terms are subject to change without notice. SunTrust Bank is an Equal Housing Lender. ©2019 SunTrust Banks, Inc. All rights reserved. SUNTRUST, LIGHTSTREAM and the LightStream logo are trademarks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners. Lending services provided by SunTrust Bank.

Qualifications

• Become a Wells Fargo customer.
• Typically have a good credit score, above 660.

Available Term Lengths

• 1 to 5 years

Fees

• Origination fee: None.

Qualifications

• At least 18 years old (19 in Alabama; 21 in Puerto Rico).
• Good credit history.
• Minimum annual income of $24,000.

Available Term Lengths

• 3 to 7 years

Fees

• Origination fee: None.

Qualifications

• Minimum credit score: Not provided, but typically above 680.
• Minimum credit history: Not provided.
• Minimum annual income: $10,500.
• Maximum debt-to-income ratio: Not provided.

Available Term Lengths

• 1 to 7 years

Fees

• Origination fee: None.
• Late fee: None.

Qualifications

• Good or excellent credit.
• U.S. Bank account open for at least 120 days.

Available Term Lengths

• 1 to 5 years

Fees

• Origination fee: None.
• Late fee: $29 after 5 day grace period.
• Unsuccessful payment fee: $25.
• Prepayment fee: 1% of loan amount, ranging from $50 to $100 if loan is paid off within first 12 months.