Personal Loan Reviews

Read NerdWallet reviews of personal loans, plus cash advance and buy now, pay later apps. Compare loans from multiple lenders to get one with costs and features that match your needs.

Get started with personal loans

NerdWallet's top-rated personal loans

SoFi 2025 Personal Loan Review

4.5

NerdWallet rating 
  • Multiple rate discounts.
  • Large loans available.
  • Has a joint loan option.

Upgrade 2025 Personal Loan Review

5.0

NerdWallet rating 
  • Multiple rate discounts.
  • Allows secured and co-signed loans.
  • Fast funding.

Discover 2025 Personal Loan Review

5.0

NerdWallet rating 
  • Competitive APRs.
  • No fees.
  • Same- or next-day funding.

LightStream 2025 Personal Loan Review

4.5

NerdWallet rating 
  • Competitive APRs.
  • Rate discounts available.
  • No fees.

Upstart 2025 Personal Loan Review

4.5

NerdWallet rating 
  • Accepts borrowers from across the credit spectrum.
  • Same- or next-day funding.
  • Has a secured loan option.

Happy Money 2025 Personal Loan Review

4.0

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Direct payment to creditors with debt consolidation loans.
  • Hardship assistance or program for borrowers in need.

Best Egg 2025 Personal Loan Review

4.5

NerdWallet rating 
  • Wide range of loan amounts.
  • Has secured loan options.
  • Direct payment to creditors with debt consolidation loans.

LendingClub 2025 Personal Loan Review

5.0

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Direct payment to creditors with debt consolidation loans.
  • Same- or next-day funding.

NerdWallet rates lenders on a scale from 1 to 5 stars. See our personal loan rating methodology.

More loan reviews by category

SoFi 2025 Personal Loan Review

4.5

NerdWallet rating 
  • Multiple rate discounts.
  • Large loans available.
  • Has a joint loan option.

Upgrade 2025 Personal Loan Review

5.0

NerdWallet rating 
  • Multiple rate discounts.
  • Allows secured and co-signed loans.
  • Fast funding.

Discover 2025 Personal Loan Review

5.0

NerdWallet rating 
  • Competitive APRs.
  • No fees.
  • Same- or next-day funding.

LightStream 2025 Personal Loan Review

4.5

NerdWallet rating 
  • Competitive APRs.
  • Rate discounts available.
  • No fees.

Happy Money 2025 Personal Loan Review

4.0

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Direct payment to creditors with debt consolidation loans.
  • Hardship assistance or program for borrowers in need.

Achieve 2025 Personal Loan Review

4.0

NerdWallet rating 
  • Multiple rate discounts.
  • Direct payment to creditors with debt consolidation loans.
  • Has a joint loan option.

Other ways to borrow: Buy now, pay later and cash advance apps

Sezzle offers interest-free payment plans to shoppers online and in stores, but keep an eye on fees.
PayPal’s Pay Later lets you divide the cost of an online purchase into smaller installments with no fees.
MoneyLion Instacash gives app users small cash advances, but you’ll pay a fee to get funds instantly.
Zip divides your purchase into four or eight equal payments, but it charges an installment fee.

These products have their own rating systems. Read our buy now, pay later rating methodology and cash advance apps rating methodology.

Most recent personal loan reviews

Current App Cash Advance: 2025 Review

2.5

NerdWallet rating 
  • Offers larger advances than competitors.
  • No mandatory fees.
  • Accepts external bank accounts.

Chime MyPay Cash Advance: 2025 Review

4.0

NerdWallet rating 
  • No mandatory fees.
  • Does not request tips.
  • Funds available in one day.

Abe Review: Private Student Loans

5.0

NerdWallet rating 

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