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.
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NerdWallet's top-rated personal loans
SoFi Personal Loans: 2024 Review
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.
Upgrade Personal Loans: 2024 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Discover Personal Loans: 2024 Review
- No origination fee.
- Option to pre-qualify with a soft credit check.
- Fast funding.
LightStream Personal Loans: 2024 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms.
Upstart Personal Loans: 2024 Review
- Accepts borrowers new to credit.
- Fast funding.
- Option to change your payment date.
Happy Money Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
Best Egg Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Wide range of loan amounts.
- Secured loan options.
LendingClub Personal Loans: 2024 Review
- Joint loan option.
- Direct payment to creditors with debt consolidation loans.
- Option to pre-qualify with a soft credit check.
NerdWallet rates lenders on a scale from 1 to 5 stars. See our personal loan rating methodology.
More loan reviews by category
SoFi Personal Loans: 2024 Review
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.
Upgrade Personal Loans: 2024 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Discover Personal Loans: 2024 Review
- No origination fee.
- Option to pre-qualify with a soft credit check.
- Fast funding.
LightStream Personal Loans: 2024 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms.
Happy Money Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
Achieve Personal Loans: 2024 Review
- Multiple rate discounts.
- Direct payment to creditors with debt consolidation loans.
- Option to pre-qualify with a soft credit check.
Other ways to borrow: Buy now, pay later and cash advance apps
Varo Cash Advance 2024 Review
Apple Pay Later: 2024 Review
Klover App 2024 Review: Cash Advances in Exchange for Your Data
SoLo Funds 2024 Review: Peer-to-Peer Cash Advances
Empower App 2024 Review: Cash Advances
Sezzle Buy Now, Pay Later: 2024 Review
PayPal Pay in 4: 2024 Review
MoneyLion Instacash 2024 Review: Cash Advances
Zip Buy Now, Pay Later: 2024 Review
Brigit 2024 Review: Paycheck Advances
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
Edly Issued by FinWise Bank Review: Private Income-based Repayment Student Loans
Edly offers income-based private student loans to students within two years of graduation.
Personify Financial Personal Loans: 2024 Review
- Accepts borrowers with bad credit.
- Checks borrowers’ credit and ability to repay.
- Fast funding.
Auto Credit Express Financing: Review 2024
Auto Credit Express matches bad-credit borrowers with car dealers and lenders that may be able to provide an auto loan.
CarMax Review 2024: Financing, Buying, Selling
CarMax buys cars and offers online and in-store appraisal. The company also provides used car financing through CarMax Auto Finance.
Bank of America Auto Purchase and Refinance Loans: 2024 Review
Bank of America offers many ways to apply for auto loans, including online, by phone, in a branch and at certain dealerships.
Yrefy Review: Yrefy Student Loan Refinancing
Yrefy differs from other student loan companies in that it refinances defaulted student loans.
Tally App Review 2024: Consolidate Your Credit Card Debt
- Fast funding.
- Automatically pays high-interest cards first.
- No hard credit pull.
Caribou Auto Loan Refinancing: 2024 Review
Caribou offers auto loan refinancing through a network of lenders. Borrowers receive several pre-qualified offers for comparison.
PenFed Auto Purchase and Refinance Loans: 2024 Review
PenFed is a Virginia-based credit union that makes auto loans nationwide. Because of its open charter, anyone can apply for a PenFed credit union auto loan.
DCU Auto Purchase, Refinance and Lease Buyout Loans: 2024 Review
Digital Federal Credit Union is based in Massachusetts but makes auto loans nationwide. Membership is required, and there are many ways to join.
Alliant Credit Union Personal Loans: 2024 Review
- Fast funding.
- Wide range of loan amounts.
- Rate discount for autopay.
INvestED Student Loan Reviews: Student Loan Refinancing and Private Student Loans
INvestED provides student loans and refinancing for Indiana residents and borrowers who attended school in Indiana
Axos Bank Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Can fund loans within one week.
- Option to change your payment date.
ISL Education Lending Reviews: Student Loan Refinancing and Private Student Loans
ISL offers refinancing before you graduate and low rates on its in-school products.
Universal Credit Personal Loans: 2024 Review
- Direct payment to creditors with debt consolidation loans.
- Fast funding.
- Offers multiple rate discounts.