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
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
LendKey Review: Student Loan Refinancing and Private Student Loans
LendKey connects borrowers with student loans from community banks and credit unions. It also services its own loans.
Education Loan Finance Reviews: Student Loan Refinancing and Private Student Loans
Education Loan Finance offers dedicated customer support for student loan borrowers.
MEFA Reviews: Student Loan Refinancing and Private Student Loans
MEFA loans doesn't have a formal deferment or forbearance program for economic hardship, so they're best for borrowers with strong job security or prospects.
RISLA Review: Student Loan Refinancing and Private Student Loans
RISLA offers income-based repayment, making it a good choice for borrowers who may require flexibility in the future.
Federal Student Loans Review: Subsidized and Unsubsidized Direct Loans
Federal direct student loans don’t require credit or income to apply. They are the most widely used college lending option.
Nelnet Bank Reviews: Private Student Loans and Student Loan Refinancing
Nelnet Bank student loans and student loan refinancing are an option for borrowers who need a co-signer or who might need flexibility on payments in the future.
Laurel Road Student Loan Refinancing Review
Laurel Road refinances undergraduate, graduate and parent student loans, specializing in loans for medical and dental residents.
Splash Financial Review: Student Loan Refinancing
Splash Financial is a marketplace that gives you offers from multiple lenders to refinance your student loans.
Navy Federal Credit Union Reviews: Student Loan Refinancing and Private Student Loans
Navy Federal Credit Union offers its members an 18-month grace period for repayment, but no deferment options.
MPOWER Reviews: Student Loan Refinancing and Private Student Loans for International Students
MPOWER offers hard-to-find student loans and refinancing for international and DACA students.
Ascent Review: Private Student Loans
Ascent offers undergraduate and graduate student loans for those with and without a co-signer.
Sallie Mae Private Student Loans Review
Sallie Mae offers flexible repayment options and is one of the only lenders serving part-time students.
College Ave Reviews: Private Student Loans and Student Loan Refinancing
College Ave offers private student loans with multiple repayment options and lets borrowers refinance at any repayment term between five and 20 years.
PenFed Student Loan Refinancing Review
5.0
NerdWallet ratingPenFed is one of the few lenders to allow married couples to refinance together.
First Tech Federal Credit Union Student Loan Refinancing Review
First Tech has a team of student loan specialists and lets borrowers choose to make lower monthly payments starting out.