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
Bank of America Balance Assist Small-Dollar Loan: 2024 Review
- Charges flat fee.
- Offers small loans up to $500.
- No credit score requirement.
Upstart Auto Loan Refinancing: 2024 Review
Upstart matches applicants to the best auto refinancing offer from a network of lenders, and doesn’t require a minimum credit history.
Ascent Bootcamp Loans Review
Ascent provides loans to pay for approved tech bootcamps and career training programs. The loans may also cover living expenses.
Blair Income Share Agreement Review
Blair offers income share agreements for every college major; applications for funding may be closed.
myAutoloan.com Auto Purchase, Refinance and Lease Buyout Loans: 2024 Review
myAutoLoan.com offers loans for new and used purchases, refinancing and lease buyouts with no origination fee.
Capital One Auto Finance Purchase and Refinance Loans: 2024 Review
Capital One Auto Finance lets you pre-qualify to see rates and shop for a car online from participating dealerships. It also offers auto refinance loans.
Consumers Credit Union Auto Purchase and Refinance Loans: 2024 Review
Consumers Credit Union is an Illinois-based credit union that makes auto loans nationwide. Membership is required, but joining is simple.
LightStream Auto Purchase, Refinance and Lease Buyout Loans: 2024 Review
LightStream provides auto loans for new and used car purchases, refinancing and lease buyouts to borrowers with good to excellent credit.
RateGenius Auto Loan Refinance and Lease Buyout Loans: 2024 Review
RateGenius offers auto loan refinancing and lease buyout loans. It finds the best qualifying loan and rate for each applicant within its lender network.
Custom Choice Powered by Monogram Review: Private Student Loans
Custom Choice offers multiple in-school repayment options and doesn't have late fees.
Funding U Review: Private Student Loans
Funding U offers student loans to undergraduate students without credit or a co-signer at eligible four-year colleges.
TD Bank Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- No origination fee.
- Fast funding.
OpenRoad Lending Auto Loan Refinancing: 2024 Review
OpenRoad Lending specializes in auto loan refinancing and works with a network of lenders to match applicants to the lowest-rate loan offer.
LendingClub Auto Loan Refinancing: 2024 Review
LendingClub provides auto loan refinancing with up to two pre-qualified offers.
Carvana Review 2024: Financing, Buying, Selling
Carvana is an online used-car retailer that also offers financing for the cars it sells.