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
OneMain Financial Personal Loans: 2024 Review
- Option to choose and change your payment date.
- Joint and secured loans.
- Fast funding.
LightStream Personal Loans: 2024 Review
- No fees.
- Rate discount for autopay.
- Long repayment terms.
Upgrade Personal Loans: 2024 Review
- Multiple rate discounts.
- Secured and joint loans.
- Mobile app to manage loan payments.
Rocket Loans Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Rate discount for autopay.
- Fast funding.
Happy Money Personal Loans: 2024 Review
- Option to pre-qualify with a soft credit check.
- Offers direct payment to creditors.
- No late fee.
LendingPoint Personal Loans: 2024 Review
- Soft credit check to pre-qualify.
- Fast funding.
- Offers mobile app to manage loan payments.
Avant Personal Loans: 2024 Review
- Fast funding.
- Option to pre-qualify with a soft credit check.
- Mobile app to manage loan.