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 Personal Loans: 2024 Review

5.0

NerdWallet rating 
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.

Upgrade Personal Loans: 2024 Review

5.0

NerdWallet rating 
  • Multiple rate discounts.
  • Secured and joint loans.
  • Mobile app to manage loan payments.

Discover Personal Loans: 2024 Review

5.0

NerdWallet rating 
  • No origination fee.
  • Option to pre-qualify with a soft credit check.
  • Fast funding.

LightStream Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • No fees.
  • Rate discount for autopay.
  • Long repayment terms.

Upstart Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • Accepts borrowers new to credit.
  • Fast funding.
  • Option to change your payment date.

Happy Money Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Offers direct payment to creditors.
  • No late fee.

Best Egg Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Wide range of loan amounts.
  • Secured loan options.

LendingClub Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • 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

5.0

NerdWallet rating 
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers.

Upgrade Personal Loans: 2024 Review

5.0

NerdWallet rating 
  • Multiple rate discounts.
  • Secured and joint loans.
  • Mobile app to manage loan payments.

Discover Personal Loans: 2024 Review

5.0

NerdWallet rating 
  • No origination fee.
  • Option to pre-qualify with a soft credit check.
  • Fast funding.

LightStream Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • No fees.
  • Rate discount for autopay.
  • Long repayment terms.

Happy Money Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Offers direct payment to creditors.
  • No late fee.

Achieve Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • 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’s cash advance may be useful for Varo bank customers who need cash fast and want more than two weeks to pay it back.
Apple Pay Later lets you pay for a purchase in four equal installments with no interest or fees.
Klover cash advances are helpful for users who need to bridge a small income gap and are comfortable with the app’s data collection practices.
SoLo Funds allows you to request a cash advance from its community of lenders. Approval takes a few days, which is much longer than competitors, but all fees are optional.
Empower’s advances are small but funded quickly. The app may approve gig workers or freelancers with unpredictable income.
Sezzle offers interest-free payment plans to shoppers online and in stores, but keep an eye on potential fees.
PayPal’s Pay in 4 lets you buy now and pay later with a simple plan that charges zero interest and 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 equal payments, but it charges an installment fee.
Brigit is a cash advance app that doesn’t request tips to get an advance. It does charge a monthly fee that may be worth paying if you use the app’s budgeting and credit-building features.

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

RefiJet Auto Loan Refinance and Lease Buyout Loans: 2024 Review

RefiJet offers auto loan refinancing, lease buyout loans and cash-out refinancing. Applicants work with a financial services representative throughout the loan process.

Ally Auto Refinance and Lease Buyout Loans: 2024 Review

Ally Auto Refinance offers pre-qualified rate estimates for auto refinance and lease buyout loans.

Tresl Auto Refinance and Lease Buyout Loans: 2024 Review

Tresl offers auto loan refinancing and lease buyout loans from a network of lenders. Each customer works with a dedicated Tresl advisor throughout the financing process.

Autopay Auto Purchase, Refinance and Lease Buyout Loans: 2024 Review

Autopay works with more than 20 lenders to offer variable loan terms for auto refinancing and lease buyout loans.

iHELP Reviews: Student Loan Refinancing and Private Student Loans

iHELP refinances student loans and partners with community banks to offer college loans.

NaviRefi Review: Navient Student Loan Refinancing

5.0

NerdWallet rating 
NaviRefi is now available to all qualified borrowers.

NetCredit Personal Loans: 2024 Review

1.5

NerdWallet rating 
  • Fast funding.
  • Adjustable payment dates.
  • Borrowers with low credit scores may qualify.

Stride Funding: Income Share Agreement Review

4.5

NerdWallet rating 
Stride Funding offers income share agreements and is best for students pursuing high-paying careers who are within two years of graduation.

Brazos Review: Refinancing Student Loans and Private Student Loans

Brazos offers private student loans to borrowers from Texas. It offers refi and parent loans for Texas residents only.

Chicago Student Loans by A.M. Money Review: Private Student Loans

4.5

NerdWallet rating 
Chicago Student Loans by A.M. Money offers private student loans to students that are Illinois residents attending an Illinois school.

Advantage Education Loan Reviews: Student Loan Refinancing and Private Student Loans

The nonprofit Kentucky Higher Education Student Loan Corp. offers fixed-rate Advantage Education Loans.

EDvestinU Reviews: Student Loan Refinancing and Private Student Loans

EDvestinU offers refinancing and private student loans issued and serviced by the nonprofit New Hampshire Higher Education Loan Corp.

PenFed Personal Loans: 2024 Review

4.5

NerdWallet rating 
  • Option to pre-qualify with a soft credit check.
  • Option to add a co-signer.
  • Rate discount for autopay.

Citizens Bank Reviews: Student Loan Refinancing and Private Student Loans

Citizens Bank lets borrowers who aren't U.S. citizens take out and refinance student loans.

PNC Reviews: Student Loan Refinancing and Private Student Loans

PNC student loans offer a half-point interest rate discount for making automatic payments.