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
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.
Chase Auto Loan Review 2024
Chase Auto provides loans for new and used vehicles, but borrowers must buy from one of 10,000-plus dealerships in the Chase network.
iLending Auto Loan Refinancing: 2024 Review
iLending specializes in auto loan refinancing and assigns a dedicated loan consultant to work with each applicant.
Edly Issued by FinWise Bank Review: Private Income-based Repayment Student Loans
Edly offers income-based private student loans to students within two years of graduation.