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.

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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’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

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Santander Personal Loans: 2024 Review

  • No origination fee.
  • Option to pre-qualify with a soft credit check.
  • Direct payment to creditors with debt consolidation loans.

Zable Personal Loans: 2024 Review

  • Preapproval option with soft credit check.
  • Borrowers can change their repayment date.
  • Fast funding.

Auto Approve Auto Loan Refinancing and Lease Buyout Loans: 2024 Review

Auto Approve matches applicants to the best auto refinancing or lease buyout loan from a network of lenders.

RoadLoans Auto Loans: 2023 Review

RoadLoans is the online, direct-lending division of Santander Consumer USA. Auto financing is provided through Chrysler Capital, and vehicles must be purchased within a specific dealer network.

Truist Ready Now Loan Review

  • Charges fixed fee.
  • Offers small loans up to $1,000.
  • No credit score requirement.

Wells Fargo Flex Loan: 2024 Review

  • Charges flat fee.
  • Offers small loans of $250 and $500.
  • No hard credit check.

Westlake Financial Auto Loans: 2023 Review

Westlake Financial provides auto loans for new and used vehicles, but borrowers must buy from a network of 50,000-plus designated dealerships.

Alliant Credit Union Auto Purchase and Refinance Loans: 2024 Review

Alliant Credit Union is a digital credit union that offers auto purchase and refinance loans to its members. It offers attractive rate discounts and is easy to join.

Navy Federal Credit Union Auto Purchase and Refinance Loans: 2024 Review

To apply for a Navy Federal auto loan, you must first be a credit union member. Eligibility goes beyond current and retired members of the armed forces and includes other military connections.

Gravity Lending Auto Refinance and Lease Buyout Loans: 2024 Review

Gravity Lending matches applicants to the best auto refinancing or lease buyout loan from a network of lenders.

Reach Financial Personal Loans: 2024 Review

  • Direct payment to creditors with debt consolidation loans.
  • Fast funding.
  • Customizable repayment terms.