PERSONAL LOAN
WINNERS for 2021

Sometimes you need some extra cash to tackle your money goals. Whether the loan is for a big purchase or consolidating debt, our list of winners can help you get there. And while many of the winners are our partners, this did not influence our decisions or opinions. Our opinions are our own.

Best-Of Awards > Personal Loans

Best Personal Loan for Good Credit

Lightstream

on LightStream's website

on LightStream's website

Min. Credit Score

660

Est. APR

2.49 - 19.99%

Loan Amount

$5,000 - $100,000

Pros

  • No fees.
  • Competitive rates among online lenders.
  • Offers .5% rate discount for setting up autopay.
  • Special features including rate beat program and satisfaction guarantee.

Cons

  • No option to pre-qualify on its website.
  • Requires several years of credit history.
  • Does not offer direct payment to creditors with debt consolidation loans.

Qualifications

  • Minimum credit score: 660.
  • Several years of credit history.
  • Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage.
  • Strong payment history with few or no delinquencies.
  • Investments, retirement savings or other evidence of an ability to save money.
  • Enough income to pay existing debts and a new LightStream loan.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. AutoPay discount of .50% points is only available when selected prior to loan funding. Rates without AutoPay will be .50% points higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an Equal Housing Lender. ©2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Read full review
Min. Credit Score

660

Est. APR

2.49 - 19.99%

Loan Amount

$5,000 - $100,000

Pros

  • No fees.
  • Competitive rates among online lenders.
  • Offers .5% rate discount for setting up autopay.
  • Special features including rate beat program and satisfaction guarantee.

Cons

  • No option to pre-qualify on its website.
  • Requires several years of credit history.
  • Does not offer direct payment to creditors with debt consolidation loans.

Qualifications

  • Minimum credit score: 660.
  • Several years of credit history.
  • Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage.
  • Strong payment history with few or no delinquencies.
  • Investments, retirement savings or other evidence of an ability to save money.
  • Enough income to pay existing debts and a new LightStream loan.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. AutoPay discount of .50% points is only available when selected prior to loan funding. Rates without AutoPay will be .50% points higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an Equal Housing Lender. ©2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Read full review
Why this Lender made the list

LightStream wins for good-credit borrowers with low rates, no fees and fast funding. It offers a lowest-rate guarantee and $100 to unhappy customers.

Read our methodology

Best Personal Loan for Fair Credit

Upgrade

on Upgrade's website

on Upgrade's website

Min. Credit Score

560

Est. APR

5.94 - 35.47%

Loan Amount

$1,000 - $50,000

Pros

  • Allows secured and joint loans.
  • Offers a wide range of repayment terms.
  • Offers a 0.5% rate discount for setting up autopay.
  • Offers significant rate discount for checking account customers.
  • Offers rate discount with direct payment to creditors on debt consolidation loans.

Cons

  • Charges origination fee.
  • No co-signed loan option.

Qualifications

  • Minimum credit score: 560.
  • Minimum annual income: $35,000; average borrower income is $87,000.
  • Minimum credit history: 3 years.
  • Minimum number of accounts on credit history: 2.
  • Minimum monthly free cash flow: $800.
  • Maximum debt-to-income ratio: Varies between 55% and 65% including the loan you’re applying for and mortgage payments. To see your post-loan DTI, calculate your monthly payments on a personal loan, and then add them to your debt-to-income calculation.
  • Average loan amount is $10,000.
  • Average repayment term is 40 months.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: 2.9% to 8%.

Disclaimer: Personal loans made through Upgrade feature APRs of 5.94%-35.47%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Read full review
Min. Credit Score

560

Est. APR

5.94 - 35.47%

Loan Amount

$1,000 - $50,000

Pros

  • Allows secured and joint loans.
  • Offers a wide range of repayment terms.
  • Offers a 0.5% rate discount for setting up autopay.
  • Offers significant rate discount for checking account customers.
  • Offers rate discount with direct payment to creditors on debt consolidation loans.

Cons

  • Charges origination fee.
  • No co-signed loan option.

Qualifications

  • Minimum credit score: 560.
  • Minimum annual income: $35,000; average borrower income is $87,000.
  • Minimum credit history: 3 years.
  • Minimum number of accounts on credit history: 2.
  • Minimum monthly free cash flow: $800.
  • Maximum debt-to-income ratio: Varies between 55% and 65% including the loan you’re applying for and mortgage payments. To see your post-loan DTI, calculate your monthly payments on a personal loan, and then add them to your debt-to-income calculation.
  • Average loan amount is $10,000.
  • Average repayment term is 40 months.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: 2.9% to 8%.

Disclaimer: Personal loans made through Upgrade feature APRs of 5.94%-35.47%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Read full review
Why this Lender made the list

Upgrade, a fair-credit lender, has competitive rates plus ways to get a rate discount. It offers joint and secured loans, and financial education for customers.

Read our methodology

Best Personal Loan for Bad Credit

Upstart

on Upstart's website

on Upstart's website

Min. Credit Score

580

Est. APR

6.76 - 35.99%

Loan Amount

$1,000 - $50,000

Pros

  • Accepts borrowers new to credit.
  • Able to fund loans within one business day.
  • Offers direct payment to creditors with some debt consolidation loans.
  • Allows borrowers to choose and change payment date.

Cons

  • Borrowers can choose from only two repayment term options.
  • Charges origination fee.
  • No mobile app to manage the loan.

Qualifications

  • Minimum credit score: 580.
  • Minimum credit history: None, this lending platform accepts borrowers with credit history too limited to produce a FICO score.
  • Minimum gross income: $12,000.
  • Employment: Full-time job, full-time job offer starting in 6 months, a regular part-time job, or another source of regular income.
  • Must have U.S. residential street address where borrower resides (unless military personnel on active duty).
  • Must be at least 18 years old.
  • Valid email account required.
  • Personal bank account with U.S. routing number required.

Available Term Lengths

  • 3 to 5 years

Fees

  • Origination fee: 0% - 8%.
  • Late fee: 5% of past due amount or $15, whichever is greater.

Disclaimer: The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 24.4% and 36 monthly payments of $36 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

Read full review
Min. Credit Score

580

Est. APR

6.76 - 35.99%

Loan Amount

$1,000 - $50,000

Pros

  • Accepts borrowers new to credit.
  • Able to fund loans within one business day.
  • Offers direct payment to creditors with some debt consolidation loans.
  • Allows borrowers to choose and change payment date.

Cons

  • Borrowers can choose from only two repayment term options.
  • Charges origination fee.
  • No mobile app to manage the loan.

Qualifications

  • Minimum credit score: 580.
  • Minimum credit history: None, this lending platform accepts borrowers with credit history too limited to produce a FICO score.
  • Minimum gross income: $12,000.
  • Employment: Full-time job, full-time job offer starting in 6 months, a regular part-time job, or another source of regular income.
  • Must have U.S. residential street address where borrower resides (unless military personnel on active duty).
  • Must be at least 18 years old.
  • Valid email account required.
  • Personal bank account with U.S. routing number required.

Available Term Lengths

  • 3 to 5 years

Fees

  • Origination fee: 0% - 8%.
  • Late fee: 5% of past due amount or $15, whichever is greater.

Disclaimer: The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 24.4% and 36 monthly payments of $36 per $1,000 borrowed. There is no down payment and no prepayment penalty. Average APR is calculated based on 3-year rates offered in the last 1 month. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

Read full review
Why this Lender made the list

Upstart stands out for its innovative underwriting model that considers nontraditional data to qualify borrowers, even those with lower credit scores.

Read our methodology

Best Personal Loan for Excellent Credit

SoFi

on SoFi's website

on SoFi's website

Min. Credit Score

680

Est. APR

4.99 - 19.63%

Loan Amount

$5,000 - $100,000

Pros

  • No fees.
  • Offers co-sign and joint loan options.
  • Offers .25% rate discount for setting up autopay.
  • Offers unemployment protection.
  • Provides mobile app to manage your loan.

Cons

  • No secured loan option.

Qualifications

  • Must legally be an adult in your state.
  • Must be a U.S. citizen, permanent resident or visa holder.
  • Must be employed, have sufficient income or have an offer of employment to start within the next 90 days.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Fixed rates from 4.99% APR to 19.63% APR (with AutoPay). SoFi rate ranges are current as of August 11, 2021 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

Read full review
Min. Credit Score

680

Est. APR

4.99 - 19.63%

Loan Amount

$5,000 - $100,000

Pros

  • No fees.
  • Offers co-sign and joint loan options.
  • Offers .25% rate discount for setting up autopay.
  • Offers unemployment protection.
  • Provides mobile app to manage your loan.

Cons

  • No secured loan option.

Qualifications

  • Must legally be an adult in your state.
  • Must be a U.S. citizen, permanent resident or visa holder.
  • Must be employed, have sufficient income or have an offer of employment to start within the next 90 days.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Fixed rates from 4.99% APR to 19.63% APR (with AutoPay). SoFi rate ranges are current as of August 11, 2021 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

Read full review
Why this Lender made the list

SoFi caters to excellent-credit borrowers with low rates and no fees. It offers a mobile app to manage your loan, plus perks like career and financial advice.

Read our methodology

Best Personal Loan for Home Improvement

Lightstream

on LightStream's website

on LightStream's website

Min. Credit Score

660

Est. APR

2.49 - 19.99%

Loan Amount

$5,000 - $100,000

Pros

  • No fees.
  • Competitive rates among online lenders.
  • Offers .5% rate discount for setting up autopay.
  • Special features including rate beat program and satisfaction guarantee.

Cons

  • No option to pre-qualify on its website.
  • Requires several years of credit history.
  • Does not offer direct payment to creditors with debt consolidation loans.

Qualifications

  • Minimum credit score: 660.
  • Several years of credit history.
  • Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage.
  • Strong payment history with few or no delinquencies.
  • Investments, retirement savings or other evidence of an ability to save money.
  • Enough income to pay existing debts and a new LightStream loan.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. AutoPay discount of .50% points is only available when selected prior to loan funding. Rates without AutoPay will be .50% points higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an Equal Housing Lender. ©2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Read full review
Min. Credit Score

660

Est. APR

2.49 - 19.99%

Loan Amount

$5,000 - $100,000

Pros

  • No fees.
  • Competitive rates among online lenders.
  • Offers .5% rate discount for setting up autopay.
  • Special features including rate beat program and satisfaction guarantee.

Cons

  • No option to pre-qualify on its website.
  • Requires several years of credit history.
  • Does not offer direct payment to creditors with debt consolidation loans.

Qualifications

  • Minimum credit score: 660.
  • Several years of credit history.
  • Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage.
  • Strong payment history with few or no delinquencies.
  • Investments, retirement savings or other evidence of an ability to save money.
  • Enough income to pay existing debts and a new LightStream loan.

Available Term Lengths

  • 2 to 7 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. AutoPay discount of .50% points is only available when selected prior to loan funding. Rates without AutoPay will be .50% points higher. To obtain a loan, you must complete an application on LightStream.com which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an Equal Housing Lender. ©2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Read full review
Why this Lender made the list

LightStream stands out for home improvement loans with low rates, no fees, large loan amounts and extended loan terms.

Read our methodology

Best Personal Loan From a Bank

Marcus by Goldman Sachs

on Goldman Sachs's website

on Goldman Sachs's website

Min. Credit Score

660

Est. APR

6.74 - 19.74%

Loan Amount

$3,500 - $40,000

Pros

  • No fees.
  • Wide variety of repayment term options.
  • Offers .25% rate discount for setting up autopay.
  • Offers direct payment to creditors for debt consolidation loans.


Cons

  • No co-sign, joint or secured loan option.

Qualifications

  • Minimum credit score: 660 FICO.
  • May need to provide proof of income, including recent pay stubs or bank statements.
  • May need to provide Social Security number, Individual Tax ID number or a photo ID.

Available Term Lengths

  • 3 to 6 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions. Receive a 0.25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details.

Read full review
Min. Credit Score

660

Est. APR

6.74 - 19.74%

Loan Amount

$3,500 - $40,000

Pros

  • No fees.
  • Wide variety of repayment term options.
  • Offers .25% rate discount for setting up autopay.
  • Offers direct payment to creditors for debt consolidation loans.


Cons

  • No co-sign, joint or secured loan option.

Qualifications

  • Minimum credit score: 660 FICO.
  • May need to provide proof of income, including recent pay stubs or bank statements.
  • May need to provide Social Security number, Individual Tax ID number or a photo ID.

Available Term Lengths

  • 3 to 6 years

Fees

  • Origination fee: None.
  • Late fee: None.

Disclaimer: Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions. Receive a 0.25% APR reduction when you enroll in AutoPay. This reduction will not be applied if AutoPay is not in effect. When enrolled, a larger portion of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See loan agreement for details.

Read full review
Why this Lender made the list

Marcus by Goldman Sachs stands out among banks that offer personal loans for low rates, no fees, fast funding and flexible payment options.

Read our methodology

Best Personal Loan for Debt Consolidation

Discover

on Discover's website

Min. Credit Score

660

Est. APR

6.99 - 24.99%

Loan Amount

$2,500 - $35,000

Pros

  • No origination fee.
  • Offers direct payment to creditors with debt consolidation loans.
  • Offers mobile app to manage loan.
  • Able to fund loans within one business day.
  • Wide variety of repayment term options.

Cons

  • Charges late fee.
  • No co-signed, joint or secured loan options.
  • No rate discount for autopay.

Qualifications

  • Minimum credit score: 660; borrower average is 750.

  • Must be a U.S. citizen or permanent resident.
  • Must be at least 18 years old.
  • Must have a minimum household income of $25,000.

Available Term Lengths

  • 3 to 7 years

Fees

  • Origination fee: None.
  • Late fee: $39.

Disclaimer: This is not a commitment to lend from Discover Personal Loans. Your approval for a loan is determined once you apply and is based on your application information and credit history. Your APR will be between 6.99%-24.99% based upon creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 6.99% APR for a term of 72 months, you’ll pay just $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select. Not all applications will be approved.

Read full review
Min. Credit Score

660

Est. APR

6.99 - 24.99%

Loan Amount

$2,500 - $35,000

Pros

  • No origination fee.
  • Offers direct payment to creditors with debt consolidation loans.
  • Offers mobile app to manage loan.
  • Able to fund loans within one business day.
  • Wide variety of repayment term options.

Cons

  • Charges late fee.
  • No co-signed, joint or secured loan options.
  • No rate discount for autopay.

Qualifications

  • Minimum credit score: 660; borrower average is 750.

  • Must be a U.S. citizen or permanent resident.
  • Must be at least 18 years old.
  • Must have a minimum household income of $25,000.

Available Term Lengths

  • 3 to 7 years

Fees

  • Origination fee: None.
  • Late fee: $39.

Disclaimer: This is not a commitment to lend from Discover Personal Loans. Your approval for a loan is determined once you apply and is based on your application information and credit history. Your APR will be between 6.99%-24.99% based upon creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 6.99% APR for a term of 72 months, you’ll pay just $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select. Not all applications will be approved.

Read full review
Why this Lender made the list

For consumers who want to consolidate debt, Discover offers low rates and no origination fee, plus a streamlined process to pay off high-interest credit.

Read our methodology

DISCLAIMER

California: California Finance Lender loans arranged pursuant to Department of Business Oversight Finance Lenders License #60DBO-74812.

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